Team Mr. Mortgage @ eMortgage Lending, Inc Bonita Rd, Bonita

Zach is amazing! He was with us from day 1 until the day my boyfriend and I closed on a property. I feel lucky to have met him and worked with him. He's easy to talk to and will advocate for you always. Zach also has great recommendations on people to work with during the purchasing process (real state agents, insurance, etc). Thank you Zach for being with us and making our dream come true!

I had a friend that referred me to Zach when I started my search for a new home. At first I was confused if I should just go with a mortgage through my bank, or talk to a loan officer like Zach. Without a doubt, I am so happy that I went with Zach. I swear this man never stops working for his clients. Buying a home has it's stressful moments, but Zach was always there to explain everything. If I had a random question at 9pm on a Saturday, Zach would either respond that night, or first thing in the morning before 7am. This support channel (Zach) is exactly what you want when going through the home buying process.

My experience working with Zach was great! I highly recommend him to those looking to buy. He works fast and was on top of everything. We were able to close incredibly fast. Don't think twice! Zach is the best in the business.

I truly recommend Zach at Team Mr. Mortgage. He is very resourceful and helpful with any questions I had with my home purchase. He worked fast and had me approved within a few hours with getting me the best rate possible. Thank you again Zach for all you have done. You truly went above and beyond.

Had one of the easiest procedure with David Muñoz with our cash out refinance. We were reaching out for help, and meet some aggressive loan officers. David being also bilingual gave me the easiest confidence to work with him. I highly recommend David also cause he was always there to reach out when he was needed with all my questions.

I had been previously working with another Loan Officer who was not bad at all. He had been responding to my questions in a reasonable amount of time, but I was referred to Mr. Zach Kraft by a close friend to check out the rate I was being offered. Since my first conversation with Zach I saw another level of customer service. The previous guy was good, but Zach was GREAT! Not only did I get a better rate but Zach was on call with any and all questions or concerns at all times. He didn't mind explaining things to me over and over to ensure my peace of mind. Since this was the first home I would be buying and I am in contract management, I HAD A TON OF QUESTIONS.. lol. I often times felt like I was over asking but Zach didn't mind at all, he encouraged it to ensure I felt good all the way through the process. To anyone reading this, YES I recommend Zach... seriously I don't see how this could have been a better experience from a customer service perspective.

Zach made what felt impossible POSSIBLE! He honestly wants to do the very best for you. If it wasn’t for him I don’t think my family and I would of bought a house. You WILL NOT regret using Zach! He makes everything easy to understand and comprehend. My family and I can’t thank you enough Zach!

Zach is amazing! I was very lucky to be referred to him by one of my colleagues. The loan application was unbelievably simple! Within the first 24h, he got me pre-approved and I was able to start looking for a home right away. Since this was my first time buying a home, I had a lot of questions and concerns, but Zach made the entire process very painless. Not only was he quick to respond to my questions but he took the time to patiently educate me along the way. I highly recommend Zach to anyone and everyone who is looking to buy a home. Thank you, Zach!

Best in the business! From the start, Zach wanted to help my family get into house. He explained the process from day one. We didn’t have any surprises as first time home buyer’s. Great with communication! As someone with a type A personality, I couldn’t have asked for more from Zach.

Zach Kraft is very passionate about what he does! My wife and I went to him to refinance our home and pull out equity. He walked us through every detail and gave a comprehensive explanation of all the terms and language we hadn't previously been exposed to. When we asked questions, he was patient and made sure we felt comfortable with the process before moving on. He made the entire experience feel very personal and tailored to our situation. Zach walked us through every last detail regarding our options and benefits and how to maximize its value.  He was quick to respond via text, always willing to jump to make a phone call. Ultimately, he was able to get us the interest rate we were looking for with money back! Zach could not have been more helpful and professional throughout the entire process.