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Zach

Zach Mick

Sr. Loan Officer

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NMLS ID# 1715872

Contact
Mobile: (239) 469-8328
Monday: 9am – 5pm
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm

About Zach

**About Zach** Zach Mick is a Senior Loan Officer with Lower Mortgage in Bonita Springs, Florida (NMLS #1715872). He helps homebuyers, homeowners, real estate investors and realtor partners with purchase and refinance loans, with clear communication, practical guidance, and a service-first approach.   Zach has lived and worked in Southwest Florida since 2018. Before becoming a Senior Loan Officer, he worked as a Loan Officer Assistant on more than 1,000 closings. He serves clients in Bonita Springs, Naples, Estero, Fort Myers, Cape Coral, Marco Island, and communities throughout Florida.    Zach works with conventional, FHA, VA, and jumbo loans, condo financing, second homes, investment properties, refinances, and cash-out refinances. He also helps clients explore Non-QM options, including DSCR (Debt Service Coverage Ratio) loans for real estate investors, bank statement loans for self-employed borrowers, and asset qualifier loans for borrowers who may qualify based on available assets rather than traditional income documentation.   Zach is licensed as a mortgage loan originator in Alabama, Arizona, Florida, Georgia, Illinois, Michigan, New Hampshire, North Carolina, Ohio, South Carolina, Tennessee and Texas. That lets him help buyers and homeowners in Florida and in each of those states.   His approach is simple: give honest guidance, respond quickly, and help each client understand their options before making a decision. Zach also writes weekly Southwest Florida mortgage Q&As and a local weekend guide, Henry’s Happenings, at zachmick.substack.com. Client reviews are on Experience.com.

I am licensed in: FL, GA, NH, MI, OH, AZ, NC, TN, SC, IL, TX, AL

How much house
can I afford?

Fine-tune your payment based on interest, rates, term, and down payment.

Est. Monthly Payment
(P&I, Taxes & Insurance)

$1,814.04
Loan Term

Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.


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