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Zach Smith

I want you to feel at home with your loan; now, and until your next loan.

Zach Smith · Loan Officer

NMLS# 1800215

Zach Smith

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Mortgage Advisor

Xpert Home Lending Inc.

NMLS# 1800215

(303) 562-5971
About

Meet Zach

The right loan isn't the biggest one you qualify for. It's the one you can still sleep with when the market gets loud.

Areas Served

CO

I’ve been learning the art of mortgages and real estate from the inside out since 2018.

I started at MegaStar Financial’s headquarters in 2018 as a loan processor and LO assistant, working and auditing files through underwriting, escrow, and title, which is where you find out what actually makes a loan close on time and what makes one fall apart three days before closing.

By early 2020 I originated my first loan, and was kicked into the deep end with the refinance and purchase boom. In my first 2 years, I closed over $22 million, was named Rookie of the Year in 2020, #1 LOA in 2021, and recognized as a Five Star Mortgage Professional Rising Star in 2021.

But I had to step away due to the origination market’s cliff in 2022, and see what else I was capable of. I found myself with 2 years of B2B commercial roofing sales under my belt, working as a vendor contractor representative for commercial and multifamily property managers, municipal facilities, and building owners across the Front Range.

It was a different product but the same job: sit and communicate with someone through an important, complex, expensive but affirmative decision, and do my best to make it feel simple for them.

I'm back in lending with Jim Nolte and the Ultimate Lending Team at Greenlight Mortgage Group because this is where my work matters most.

My approach feels boring on purpose. You get a real pre-approval instead of a maybe. You always know the next step without chasing me for it. I'll show you the total cost, not just rate, and I will tell you when the honest answer isn't an easy one to hear. Nothing worth doing is easy.

I work with first-time buyers, house hackers, and folks who want their property to function as not just a home, but an investment. We’ll work together to ensure you understand exactly how that financing works well before you’ve walked away from the closing table.

The best part of my job is that I love clear communication: before the offer is submitted, and during the loan, with not just you, but your agent, and the listing agent when our offer is submitted. I can’t help but feel the need to stay in touch with weekly updates during your loan process, because appraisal, underwriting, and clear to close are awesome moments that you won't experience often.

But I don’t go silent just because the loan process is done: I’ll be checking in after you close. Because your loan journey likely won't end there, if I'm doing my job as best as I can.

I do all this, because the bar is in the dirt for the average LO nowadays.

I want you to feel at home with your loan. From now, until the next one.

1 States Licensed
Zach's Advantage

Why choose Zach?
 
 
 
 

01

Speed That Sets Records

Xpert Home Lending Inc. consistently closes loans faster than the competition. A smoother process and happier clients.

02

Direct Access, Always

You work directly with your Xpert advisor and their team— no call centers, no runaround.

03

Proven Track Record

Thousands of successful closings backed by 5-star client reviews.

04

Hundreds of Options

Not all situations are Cookie Cutter. With over 150 possible lenders to match with your loan file, Zach is uniquely capable of finding the perfect fit for your unique situation.

Plan Your Purchase

Mortgage Payment Calculator
 
 

Payment Estimator Zach's Calculator
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Estimated Monthly Payment

$2,076

Principal & Interest $2,076
Loan Amount $320,000
Start Working with Zach

No obligation. Takes about 2 minutes.

Loan Programs

Available programs

Conventional Loans FHA Loans VA Loans USDA Loans Jumbo Loans Reverse Mortgages Bank Statement Loans Non-QM Loans ITIN Loans Asset Utilization Loans HELOCs Down Payment Assistance Bridge Loans DSCR Loans Commercial Loans Hard Money Loans
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Zach

Zach Smith

Mortgage Advisor

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