Conventional Loans
The go-to for buyers with solid credit. Down payments as low as 3% for eligible buyers, and mortgage insurance that comes off as you build equity.
North Metro Atlanta Home Loans
Every great round starts with the right caddy.
Buying a home is a lot like playing a new course. You need a plan, the right club for every shot, and someone in your corner who knows where the hazards are. I'm Zach, and I'll be on your bag from pre-approval to the closing table.
- USMC Veteran
- Since 2020 Helping buyers
- 4.7 ★ 26 client reviews
Pick your shot
Where are you on the course?
Buying my first home
Not sure where to start? We'll walk the whole course together, one hole at a time.
See the process →Moving up or relocating
Line up your next home and your financing so you can make a strong, confident offer.
Compare loans →Veteran or active duty
VA loans from a fellow Marine who knows the benefit you earned and how to use it.
VA loans →Refinance or tap equity
Lower your payment, shorten your term, or put your home's equity to work.
Refi options →What's in the bag
The right club for every shot
No two buyers play the same round. Here are the loan programs I use most, and who each one fits best.
FHA Loans
More forgiving on credit scores and down payment, as low as 3.5%. A great fit when you need a little more flexibility to get in the game.
VA Loans
For veterans, active duty, and eligible surviving spouses. $0 down for eligible borrowers, no monthly mortgage insurance, and competitive rates.
Jumbo Loans
For homes priced above conforming loan limits. Common across North Fulton and Forsyth County, and something I handle regularly.
First-Time Homebuyer Programs
Low down payment options and down payment assistance programs that can help you get the keys sooner than you think.
Refinance
Lower your rate, change your term, or drop mortgage insurance. I'll run the numbers and tell you honestly if a refi makes sense.
Home Equity & Cash-Out
Use the equity you've built for renovations, debt consolidation, or big life goals, through a cash-out refinance or home equity option.
Not sure which club to pull?
That's my job. Tell me about your goals and I'll recommend a strategy, no pressure.
Ask the CaddyPlay the course
Six holes from tee box to closing table
Here's exactly what happens, so you always know where you are and what's next.
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Hole 1
Tee Off: Strategy Call
A quick, no-pressure conversation about your goals, budget, and timeline. We'll map the course before you swing.
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Hole 2
Pre-Approval
We review income, assets, and credit so you know your number and can shop with a letter sellers take seriously.
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Hole 3
Find Your Home
Shop with your agent. I'm available nights and weekends to run numbers on any home before you make an offer.
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Hole 4
Under Contract
Offer accepted. We lock in your loan, order the appraisal, and set a clear timeline to closing.
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Hole 5
Underwriting
I keep you, your agent, and the attorney updated at every turn so there are no surprises on the back nine.
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Hole 6
Sink the Putt: Closing
Sign, get your keys, and celebrate. Then I'm still your caddy for any refi or equity questions down the road.
Your scorecard
Estimate your monthly payment
Play with the numbers to see what fits your budget. When you're ready, I'll give you real figures based on your situation.
Estimated monthly payment
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| Principal & interest | $0 |
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| Property tax | $0 |
| Homeowners insurance | $0 |
| Est. mortgage insurance | $0 |
| HOA | $0 |
| Loan amount | $0 |
For education only. Estimates are not a loan offer or commitment to lend. Mortgage insurance is a rough estimate for conventional loans under 20% down; FHA, VA, and other programs differ. Actual rate, payment, and terms depend on credit, property, and program.
Semper Fi
VA loans from a Marine who's been there
You earned this benefit. As a Marine Corps veteran, I know how to make it work for you: $0 down for eligible buyers, no monthly mortgage insurance, and guidance from someone who speaks your language.
- $0 down payment for eligible borrowers
- No monthly mortgage insurance
- VA streamline & cash-out refinance options
- Help getting your Certificate of Eligibility
NMLS
#2021072
Meet your caddy
Hi, I'm Zach.
A good caddy doesn't swing the club for you. He reads the green, knows the yardage, and helps you make smart decisions under pressure. That's how I approach every loan.
I'm a United States Marine Corps veteran and have been helping families buy homes since 2020. Today I'm proud to work with CrossCountry Mortgage, giving my clients the programs and support of a national lender with the personal attention of a local loan officer.
First home, next home, or refinance, my goal is the same: bring clarity and strategy to the process and be there when you need me, nights and weekends included.
I live in Cumming, Georgia with my wife and our three boys. When I'm not working, you'll find me in the gym, with my family, or on the golf course.
- 🎖️ USMC Veteran
- 👨👩👦👦 Husband & dad of 3
- ⛳ Golf & fitness
- 📍 Cumming, GA
From the gallery
What clients say
"We couldn't be happier with our experience working with Zach. He was attentive to our needs, communicated exceptionally well throughout the loan process, and always made sure we understood each step."
"They were able to quickly start the process while explaining everything clearly as we moved along. No pressure tactics, just excellent service with our needs in mind."
"Zach made the process so smooth and truly went above and beyond in every aspect. He was so easy to communicate with and reach anytime."
Caddy tips
Mortgage advice, one short video at a time
Rate updates, buyer tips, and plain-English answers to the questions everyone asks. Follow along wherever you scroll.
Rules of the game
Common questions
How much house can I afford?
A common guideline is keeping housing costs around 28% of gross monthly income and total debt around 36%, though many programs allow more. Try the calculator above, then let's look at your real numbers together.
What credit score do I need?
Conventional loans typically start around 620. FHA and VA programs can be more flexible. If your score needs work, I'll give you a game plan to improve it.
How much do I need for a down payment?
Less than most people think. VA loans can be $0 down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3%. Down payment assistance may also be available.
How long does pre-approval take?
Often the same day or next business day once I have your documents. Pre-approval is free and gives you a clear budget before you start shopping.
Does checking my options hurt my credit?
A strategy call doesn't touch your credit at all. When it's time for pre-approval, I'll explain exactly when and how your credit will be reviewed.
Should I refinance right now?
It depends on your current rate, how long you plan to stay, and your goals. I'll run a no-cost review and tell you honestly whether it makes sense.
The 19th hole
Let's talk strategy
Call, text, or send a note. I'll get back to you quickly, and there's never any pressure.
- Office(404) 504-8456
- Mobile(603) 921-8087
- EmailZachary.Clor@ccm.com
- Address2920 Ronald Reagan Blvd, Suite 113
Cumming, GA 30041 - HoursMon–Fri 8am–5pm
Evenings & weekends by appointment