Zach Mick
Contact
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
Josh and Zach made everything so easy and fast. They helped us every step of the way and explained everything while always keeping us informed of what we needed and what to expect. I would highly recommend Lower Mortgage. My wife and I thank very much for making the loan process seem easy.
Keith C.
Verified Customer
October 5, 2026
Zack and Josh were ao helpful throughout the process. They were always available to answer any questions along the way.
Gabriela F.
Verified Customer
October 1, 2026
Very responsive and helpful
Mark H.
Verified Customer
September 27, 2026
Very knowledgeable and professional! They really went the extra mile to make us feel confortable and informed throughout the entire process. Would highly recommend the lower mortgate team!
Ivan U.
Verified Customer
September 25, 2026
Lots of communication. Smooth process with the documents especially since we were remote.
Cynthia A.
Verified Customer
September 9, 2026
Fast response and all went smooth
Cortnee C.
Verified Customer
September 4, 2026
friendly, helpful, great communication
Rachelle G.
Verified Customer
August 20, 2026
Zach is extremely knowledgeable and is always ahead of what needs to be done. He presents all the options clearly so you can make the best decision possible. Truly makes the process easy and painfree.
Bruce S.
Verified Customer
August 19, 2026
Zack was quick with the loan approval. He was available during closing when I needed him.
Christopher D.
Verified Customer
August 18, 2026
Josh Mick has been my "go to" lender for a decade and Zach is just as wonderful
Rachael R.
Verified Customer
August 18, 2026