Zach Mick
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Zach
Zach helps homebuyers, homeowners, investors, and realtor partners navigate the mortgage process with clear communication, practical guidance, and a service-first approach. He works with clients throughout Florida and surrounding communities, helping them compare financing options and feel confident from pre-approval through closing. Zach has experience with conventional loans, FHA loans, VA loans, jumbo financing, condo financing, second homes, investment properties, refinances, and cash-out refinances. He also helps clients explore Non-QM mortgage options, including DSCR (Debt Service Coverage Ratio) loans for real estate investors, bank statement loans for self-employed borrowers, and asset qualifier loans for clients who may qualify based on available assets rather than traditional income documentation. Based in Bonita Springs, Zach regularly helps clients and referral partners throughout Florida, including Bonita Springs, Naples, Fort Myers, Estero, Cape Coral, and surrounding communities. He is licensed in Florida, Michigan, Georgia, New Hampshire, Illinois, Ohio, South Carolina, and Arizona, allowing him to assist buyers and homeowners in multiple markets. Zach’s approach is simple: provide honest guidance, communicate quickly, and help each client understand the numbers before making a decision. His goal is to be a trusted mortgage resource for buyers, homeowners, investors, and real estate professionals who want a lender who is responsive, knowledgeable, and committed to helping the process move smoothly.
I am licensed in: FL, GA, NH, MI, OH, AZ, NC, TN, SC
It had been a long time since I purchased my last home and Zach and his team made the process very pleasant and very seamless. They were attentive. Zach was always there when I had a question or a concern. He was quick to answer. His team is amazing. I have already recommended him to a few of my friends and I will continue to do so and continue to partner with Zach in the future. I highly recommend them.
Kathryn S.
Verified Customer
July 2, 2026
I cannot say enough great things about Zach! My husband and I worked with him to buy our dream home and he made the process so smooth. Communication was always clear. He was prompt to reply to all my emails. He even worked closely with my realtor which was greatly appreciated. I recommended him to my brother who’s about to begin house hunting and would recommend to anyone who’s looking for an amazing lender!
Maria N.
Verified Customer
June 3, 2026
Working with Zach Mick (NMLS ID: 1715872) and his team at Lower Mortgage was hands-down the best financial decision we made during our home-buying journey. From day one, Zach proved to be an elite professional who is deeply knowledgeable, proactive, and completely transparent.The mortgage process can easily become overwhelming, but Zach kept us completely at ease. He provided daily status updates, anticipated every underwriter requirement before it became an issue, and answered our questions instantly. His ability to clearly explain complex loan scenarios made us feel secure and confident in our decisions.We closed exactly on time with a fantastic rate and zero unexpected fees! If you want a stress-free, lightning-fast home financing experience with a lender who genuinely cares about your goals, do yourself a favor and call Zach. He has earned our business for life!
Mnappy2015 N.
Verified Customer
June 3, 2026
They were very knowledgeable about the process and what was best for our situation. Easy to work with and quick to respond to questions and helpful suggestions.
Jeannettemclauchlan N.
Verified Customer
June 3, 2026
This was such an amazing experience. They had answer all questions made us understand what was needed and expected. They were always there through this whole process. High recommend Zack Mick for all your mortgage needs!!
Kistin K.
Verified Customer
June 13, 2026
Zach made this process easy and took care of business from 2 time zones away. zach Was eaay to communicate with and explained Everything we had questions about.
Douglas S.
Verified Customer
June 12, 2026
Communication was excellent and the process was smooth.
Christopher K.
Verified Customer
June 10, 2026
Zach and his team had great communication and that is big for us!!!!
Zachary B.
Verified Customer
May 28, 2026
Zach is top notch in his profession. He clearly explained everything in detail and at all times answered any questions I had. I highly recommend Zach for your loan application needs. I very smooth process. Thank you, Zach!
Jeff H.
Verified Customer
June 1, 2026
Zach and the team at Lower exceeded our expectations. Their attention to detail, communication, and support made the entire process smooth and straightforward. We’re so thankful to them for helping us secure our new home in the Georgia mountains. Highly recommended.
Tammie L.
Verified Customer
December 10, 2025