From pre-approval to closing day — I make homeownership simple, personal, and stress-free.
Every milestone — from first conversation to keys in hand. Tap a phase to explore.
We discuss your goals, timeline, and budget. No pressure, no jargon — just honest guidance on which loan fits your situation.
Your application is reviewed for credit score and finances. Two key numbers: DTI (ideally ≤36%) and LTV (ideally ≤80% to avoid PMI).
You receive your letter — giving you negotiating power and confidence to make competitive offers in any market.
Stable payments for the life of the loan. Best for long-term buyers.
Lower initial rate. Great if you plan to move or refinance soon.
For veterans & active duty. Often zero down required.
Lower credit requirements. Great for first-time buyers.
Zero down for eligible rural properties. Available near most NWA areas.
Leverage existing equity to fund your next purchase.
Your pre-approval sets your range. Use the calculators below to dial in your comfort zone before you start touring homes.
I have deep relationships with top agents across NWA. I'm happy to connect you with someone who knows your target neighborhood.
When you find the right home, I can lock your interest rate to protect you from market movement while we close.
Typically 1–2% of the purchase price, held in escrow. It shows the seller you're serious and applies toward your down payment at closing.
A licensed inspector evaluates the property top to bottom. You can negotiate repairs or seller credits based on findings before moving forward.
Your lender orders an independent appraisal to confirm the home's value matches the purchase price. I'll keep you updated every step of the way.
Your file moves to underwriting for a full review. I respond to any conditions fast so nothing slows your timeline.
Underwriting has approved your loan. You'll receive your Closing Disclosure with final numbers at least 3 business days before closing day.
Bring a valid government-issued photo ID and your certified check or wire confirmation for closing costs. Your agent will confirm the exact amount beforehand.
Do a last check of the home — typically 24 hours before closing — to confirm its condition and that any agreed repairs were completed.
You'll sign your closing documents at the title company. Once the loan is funded and the deed is recorded — the home is officially yours.
I'm still here. Questions about your first payment, escrow changes, or refinancing down the road — just call or text me directly.
I enroll every client in Homebot at no charge. Each month you'll get a personalized report tracking your home's value, equity, and current mortgage rates — so you stay in control of your biggest investment.
"I got into this business because I believe buying a home should feel empowering, not overwhelming. My goal is simple: get you the right loan, at the right terms, with zero surprises."
My direct cell is on this page for a reason. When you call or text, I answer. No transfers, no hold music, no strangers.
NWA is competitive. I move fast — because in this market, the buyer with the strongest pre-approval wins. I'll make sure that's you.
You'll never wonder what's happening. I walk you through every number, every document, every milestone. No jargon. No surprises.
I live and work in NWA. My relationships with local REALTORS, builders, and title companies mean your loan closes on time — every time.
Self-employed? Investor? Unique situation? I specialize in creative financing that most loan officers simply can't access.
I've sat across from hundreds of families at their most vulnerable financial moment. Your trust is never taken for granted.
I'm not limited to cookie-cutter programs. Here's what I can access for you.
These are estimates. When you're ready for real numbers, I'm one call away.
Fill in the details and hit Calculate.
Fill in the details and hit Compare.
Fill in your income and debts to see your budget.
Analyze a rental property's NOI, cap rate, and cash-on-cash return before you make an offer.
Fill in your property details and hit Analyze.
Real answers to the questions every buyer asks. Tap any card to expand.
An escrow account is managed by your lender to automatically pay your property taxes and homeowner's insurance. Each month, a portion of your payment is set aside — so you never face a surprise large bill.
MIP (Mortgage Insurance Premium) applies to FHA loans. It protects the lender — not you — if you default. It comes in two parts: an upfront fee of 1.75% (rolled into the loan) and an annual fee paid monthly (0.45%–1.05%).
Paying "points" (prepaid interest) lowers your rate. One point = 1% of the loan amount. Whether it's worth it depends on how long you plan to stay. I'll calculate your break-even point so the decision is crystal clear.
PMI (Private Mortgage Insurance) is required on conventional loans when your down payment is less than 20%. It protects the lender. Once you reach 20% equity — through payments or appreciation — you can request cancellation.
Closing costs typically run 2–5% of the loan amount and cover lender fees, title insurance, appraisal, and prepaid items like homeowner's insurance and property taxes. You'll receive a Closing Disclosure 3 days before closing with exact numbers.
A mortgage application triggers a "hard inquiry" which can temporarily lower your score by a few points. However, multiple mortgage inquiries within a 14-45 day window are typically counted as a single inquiry by scoring models.
"Zack made the entire process so easy. As first-time buyers, we were nervous — but he was always available and explained everything clearly. We closed on time without any stress!"
"I've bought three homes and Zack was the best loan officer I've ever worked with. He got me pre-approved quickly and fought hard to get me a great rate."
"We used a VA loan and Zack was incredibly knowledgeable. He walked us through every benefit available and made sure we didn't leave any money on the table."
"From the QR code on our pre-approval letter to the keys in our hands — Zack was with us every step. This website gave us so much confidence going into the market!"
No pressure — just honest guidance from a loan officer who's genuinely invested in your success.
5306 W Village Pkwy #1
Rogers, AR 72758
I work when you work — reach out anytime
NMLS# 1405474 | Company NMLS# 3112
First Colony Mortgage · Rogers, AR
Equal Housing Lender