Most people start with a bank because it’s familiar. The trade-off is you only see that bank’s products at that bank’s rates. We have access to 160+ lenders, which means we shop the market for competitive rates and the right loan program for your situation—not just what’s on one shelf. We also provide something no bank or lender can: Home Price Protection at no cost to you for your first 12 months. If local home values decline after you close, you may receive a cash payout. It’s a benefit of working with our team, and no one else offers it.

Learn More:
How to Choose the Right Mortgage Lender or Broker

A common concern buyers have is what happens if home values drop after closing. That’s exactly why the REZILOANS Team includes Home Price Protection at no cost to you. It’s a contract tied to your local home price index. If values in your area decline past a set threshold during the contract term, you receive a cash payout. No claims to file. No appraisals. No other mortgage provider offers this.

Learn More:
What Is Home Price Protection?
Home Price Protection vs. PMI vs. Homeowner’s Insurance: What Each Actually Covers

Most purchase loans close in 30 to 45 days from application—and when time is tight, we can often move faster. Refinances may close sooner depending on the scenario. Your timeline depends on property type, how quickly you get documents in, and lender volume. Your loan officer gives you a realistic estimate upfront and keeps you updated every step. No surprises.

Learn More:
What Underwriting Really Looks For in a Mortgage Loan

Yes—and you should. A preapproval shows sellers you’re serious, tells you exactly what you can afford, and gives you an edge when competing for a home. The process is straightforward: credit pull, income verification, asset documentation. Most preapprovals last 60 to 90 days, and your loan officer can refresh it if anything changes. In competitive markets, preapproval wins offers.

Learn More:
What Happens After You’re Pre-Approved for a Mortgage

A VA loan is backed by the Department of Veterans Affairs—available to veterans, active-duty service members, and certain surviving spouses. The advantages: zero down payment, no PMI, and competitive rates. You’ll need a Certificate of Eligibility (COE), which Zack can pull for you. With 25 years of lending experience, military service, and access to 160+ lenders, he finds the best VA terms available—not just the first option.

Learn More:
Understanding the Benefits of a VA Loan for Veterans and Service Members

Most veterans qualify: 90 days during wartime, 181 days during peacetime, or 6 years in the Reserves or National Guard. Certain surviving spouses are eligible too. Zack is an Army veteran—he knows the documentation, the process, and the lender quirks that can slow a VA deal down. He’ll pull your COE and get you moving without making you explain your service history twice.

If another lender told you it was too complicated, or you’re not sure where you stand after a divorce, a career change, or a rough stretch with credit—that’s exactly the call Zack takes every day. He’s spent 25 years working with borrowers who don’t fit standard guidelines. With 160+ lenders across conventional, FHA, VA, and non-traditional programs, he finds paths where others couldn’t. He’ll be direct about what’s realistic. No guessing.