Headshot of Zak Raffel

Zak Raffel

Loan Officer

Zak Raffel Team

NMLS #1470292

Adress
102 Chestnut Ridge Rd Suite 200
Montvale, NJ 07645
Contact Methods
Email
tel Phone
201-746-6777
mobile Mobile
(914) 419-5638
fax Fax
201-591-7965
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Zak

It is a privilege to work with my clients and help them buy their home while delivering a world class experience they deserve. Since there is so much that goes into buying a home, my top priority is to educate and explain every aspect of your mortgage and ensure that you become a customer for life.

Finding the best loan product to suit your needs at the best rate possible is a given. It is the intangibles, the client customer care that makes the difference when working with me.

When I am not working, you will find me with my wife and two young boys, cherishing every moment I have with them.

Thank you for taking a moment out of your day to read this and learn a little bit about me.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
First-time homebuyers and their family celebrating in their new home

Buying your first home is possible

Are you dreaming of owning your own home, but it feels impossible to get started? Navigating the homebuying process can be overwhelming, but you're more ready than you think!

We guide you every step of the way – simplifying the process and shaping your homebuying power, so you feel confident all the way home.

Let's get started

Recent Posts and Articles

Blog

  • Woman with laptop on her cell phone prepares for mortgage rates to drop.
    Published on

    Mortgage Rates: How To Prepare For A Drop

    Prepare for future rate drops with our guide on mortgage rates. Learn how to improve your credit, save for a down payment, and explore loan options to get ready.

  • A two-story white house with a vibrant garden exemplifies homeownership and the considerations for the average down payment on a house.
    Published on

    What is the Average Down Payment on a House?

    Curious what the average down payment is on a house? Learn how factors like home price, loan type, and location influence what you need to save in this guide.

  • A happy family, husband, wife, and child, standing in front of their home window, showcasing the benefits of a Home Equity Line of Credit (HELOC).
    Published on

    What Is A Home Equity Line Of Credit (HELOC)?

    Explore how a Home Equity Line of Credit (HELOC) can fund major expenses and learn about the application process, interest rates, and the pros and cons.

  • Parent organizing and labeling boxes in living room to prepare for new school year.
    Published on

    Home Organization Tips For The School Year

    Prepare your home for the new school year with these organizational tips: set up homework spaces, reorganize rooms, optimize the kitchen, and find storage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

Zak was great every step of the way! I will highly recommend him to all my friends!
Andrea L.
Zak was perfect. Def will recommend him to family/friends.
Rebecca M.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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