ONE LENDER DOES NOT DO IT ALL!

It is no secret that financing a mortgage is one of the most significant decisions you will make. Trying to find the right home loan can be difficult. Finding the right company to help you get your loan can be even more confusing and/or frustrating. With literally hundreds of lenders to choose from, borrowers can easily become overwhelmed.

That's why with The Z Mortgage Team, we aspire to meet your individual needs through our array of unique loan programs. Since mortgage loans are our primary business, we are able to concentrate our efforts on implementing the industry's newest and most innovative streamline processes to get you, our client, the best deal in the least amount of time. We currently represent 55+ lenders, This allows us to always have very competitive rates and programs. As important as rates are, service and client satisfaction is of the utmost importance to us.

Many present and future homeowners have questions concerning the best possible way to structure their financing. Whether you are buying your first home, refinancing your present home, building your dream home or purchasing an investment property,The Z Mortgage Team has the expertise you need to make your financing experience as pleasant and enjoyable as possible. We have a loan program for every credit type and in many cases can have an approval for you within hours.

*New Home Purchase *Refinance *Construction Loans *Reverse Mortgage *2nd Mortgages

 Shilo Zitting,

A Salt Lake City native, is going on his 10^th year of experience in the mortgage industry and has been with Vintage Lending (Broker) for the past year.  However, with his years of experience in originating loans and fantastic customer service, Shilo uses his creative financing “know how” to find you a loan that fits your individual needs as well as educate you on your financial goals. Shilo can offer borrowers a broad range of knowledge about the mortgage business, the offered products, and some directional insight.  Combining the winning blend of an outgoing personality with a creative mind, he is committed to helping you make the right decision with complete guidance.

Shilo is a true professional who treats each of his clients as if they are family. He is always available to answer any question you may have and will be a part of your entire loan process.  Call or email at any time!

Previous to being a Mortgage Broker Shilo worked as a Sales Manager/Personal Trainer at a local gym. There he learned the importance of customer service and gained his passion for healthy living and working out and the importance of client guidance/structure. When not working on mortgages,  you can expect Shilo to be actively working out, playing sports, or spending time with his family.

David Card Or DC for short, 

is our Processor. He ensures that your file has everything it needs to transform that pile of paperwork into your new monthly payment or the set of keys to your new home. David has been in real estate lending since 1999 with most of his expertise in the areas of loan processing and guidelines. David will ensure that your loan file is handled professionally, timely and with great care.

1. Get independent advice on your financial options. As independent mortgage brokers and mortgage agents, we’re not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We’ll start by getting to know you and your homeownership goals. We’ll make a recommendation, drawing from available mortgage products that match your needs, and we will decide together on what’s right for you.

2. Save time with one-stop shopping. It could take weeks for you to organize appointments with competing mortgage lenders — and we know you’d probably rather spend your time house-hunting! We work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.

3. We negotiate on your behalf. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of homebuyers. You can count on our market knowledge to secure competitive rates and terms that benefit you.

4. More choice means more competitive rates. We have access to a network of major lenders, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by credit unions, trust companies, and other sources.

5. Ensure that you’re getting the best rates and terms. Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let us investigate to see if there is an alternative to better suit your needs.

6. Get access to special deals and add-ons. Many financial institutions would love to have you as a client, which is why they often offer incentives to attract credit worthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. We do the math on which offers might be worth your attention when it comes to financing or mortgage insurance — so you get the perks you deserve.

7. Things move quickly! Our job isn’t done until your closing date goes smoothly. We’ll help ensure your mortgage transaction takes place on time and to your satisfaction.

8. Get expert advice. When it comes to mortgages, rates, and the housing market, we’ll speak to you in plain language. We can explain the various mortgage terms and conditions so you can choose confidently.

9. No cost to you. There’s absolutely no charge for our services on typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

10. Ongoing support and consultation. Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.