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Several factors can affect your ability to get low mortgage rates. Credit score, down payment, the home you want to buy or refinance, the length of the loan, how much you borrow, and even when and where you're borrowing can all have an impact on what sort of home loan interest rates you can obtain.
Finding the lowest mortgage interest rates is only one factor to be considered when shopping for a home loan. Other considerations, such as closing costs and the type of mortgage, will affect your overall costs as well.
Fill out the below Mortgage Rate & Cost Request form to the best of your knowledge and I will get back to you as quickly as possible with an estimated scenario.
1634 Deer Lane #2 Louisville, KY 40205
Licensed in: Kentucky (KY), Ohio (OH), Indiana (IN), Tennesse (TN)
About Zachary Morris
NMLS ID 1326238
M. Zachary Morris (Zach), born and raised in Dayton, Ohio, graduated from the University of Kentucky. His educational successes and his strong work ethic led him to his work in the housing industry.
Zach is now a Geneva Financial Branch Manager in Louisville, KY who will service Indiana, Kentucky, Tennessee, and Ohio. When asked what he likes the most about his role in helping clients with their mortgage needs, Zach said his answer is simple.
"I learned early on through my volunteer experiences at God's Pantry, Bluegrass Care and Rehabilitation, and the Head Start Program, that my job would have to involve helping people. That's exactly what I do. I work with people to help them by finding the best loan needed for their situation, and that's a good feeling."
MORTGAGE LOAN PROGRAMS & RESOURCES
USDA RURAL LOANS
FIRST-TIME HOMEBUYER PROGRAMS
DOWN PAYMENT ASSISTANCE PROGRAMS
HOME EQUITY LINE OF CREDIT (HELOC)
MORTGAGE PAYMENT CALCULATOR
MORTGAGE FREQUENTLY ASKED QUESTION (FAQ)
DIY, DESIGN & HOME FINANCE BLOG
What My Clients Say
“First Time Home Buyer Experience Made Easy!”
Over the course of a six-month purchasing period, Zach was there day and night, would answer every question and if he didn’t know the answer, wasn’t afraid to admit that. Instead, he would put my nerves and high tide anxiety at ease with diligently researched, but most importantly, CORRECT answers. This may seem like a hit against his expertise, but my loan was an FHA loan and I soon became aware these aren’t the norm in the real estate world. The fact that he would push ego aside and research things for me, only proved that he was willing to do what was best for me as a client, rather than push along a loan, only to pull a ‘whoops’ at signing day, which so many first-time home owners encounter.
Bias is bias, but if it’s true, it’s true; I would highly recommend Zach for all your mortgage needs. Also, just to reference his parent company Geneva, they’re easy to deal with as well. The paperwork process was done online, with user-friendly reps and website interface, making the purchasing process smooth. Geneva is a company out of Arizona, so the time difference actually really works in your favor as a buyer on the east coast, because you can have all of your questions answered outside of business hours.
“Couldn’t have done it without Zach”
Zach was very on top of getting me a loan for my first home purchase. Great rate, and the loan was completed within a month. My girlfriend and I were able to move in quickly. We love our new home and couldn't have done it without Zach.