Zach is the best! He answered all of our questions thoroughly and was helpful throughout the entire home buying process.

Zach is awesome! He is very responsive and is great with helping things to run smoothly. You are definitely in great hands with this one!

Above and beyond service! We couldn't be happier with how efficient and fast the process was. Zac is great!

Zach is great to work with. He is always willing to go the extra mile and is awesome at communicating all of the details. He is quick to address any issues that may come up in the lending approval process and I very much appreciate his help with my clients.

Zach is AWESOME! He is clear, honest, and always gets us the best rate possible. I’d recommend everyone to work with Zach!

Very friendly and knowledgeable. He was a pleasure to work with and would definitely use his services again.

Zach is the man! He is very knowledgable about which loan options are availible for your individual situation. He also values the connections made with clients which is evident in the way he communicates throughout the loan process and after. I could not recommend Zachary Watson enough for your loan needs.

Zach and his team are top notch lenders who offer million dollar loan experiences! Zach is wise behind his years and goes above and beyond for his clients. You can guarantee that he and his team will continually have your best interests at heart. Zach takes pride in finding the best case scenario every time. He is honest, trustworthy, and consistent. There’s no one else I’ll trust with my home lo... More

Zach and his team are top notch lenders who offer million dollar loan experiences! Zach is wise behind his years and goes above and beyond for his clients. You can guarantee that he and his team will continually have your best interests at heart. Zach takes pride in finding the best case scenario every time. He is honest, trustworthy, and consistent. There’s no one else I’ll trust with my home loan needs. They make the process smooth, affordable, and enjoyable!! Less

Zach is super knowledgeable, great at what he does and an awesome person. Give him a call for mortgage needs.

Zach is such a great person to work with! He is so helpful, a great communicator, and so kind! He has had my best interest in mind from the very beginning. I can confidently say he is one of the best! I would recommend him to anyone!

It is hard to find honest people when it comes to financing. Zach was absolutely amazing!! He worked so hard for us. Every obstacle we encountered, Zach was there to explain to us what we had to do to overcome. We never felt like a number with Zach. Highly recommended! Thank you Zach for what you did for my family!!

Zach is truly the best!! We’ve done two mortgages with him and he walked us through the process very clearly and is very knowledgeable about the loan process. He answered our questions thoroughly and made the process as simple as possible. We highly recommend him!!

I am very impressed with Zach and his promptness with the services he provides. He is reliable and professional. I highly recommend Zach for all of your home mortgage needs.

Zach was so helpful in getting us a great rate on our home purchase, and each time we refinanced after that. He’s very organized, very knowledgeable, and will get the best rate possible for you too! Would use him again!

Super fast, really professional!!

Zach was very helpful and informative when we purchased our first home

It doesn’t get better than Zach! He is so kind, honest, and hardworking. When we purchased our first home he made the process so simple and stress free. We closed in two weeks & scored an awesome rate. You won’t regret choosing him as your loan officer.

Zach Watson is an outstanding loan officer. He communicates well and stays on top of his loans and gets the job done. I can recommend him enough.

Zack and his team are very easy to work with. They are always able to answer question quickly. Clients are prepared for closing, which makes transactions go smoothly.

The experience of working with Zach was exceptional. He was patient with my numerous first-time homebuyer questions, informative through keeping up with market trends, and made the lender-borrower relationship personal. This was evident in quick responses during “off-hours” and he was incredibly trustworthy throughout each interaction. I couldn’t recommend him enough as a partner in the home buyi... More

The experience of working with Zach was exceptional. He was patient with my numerous first-time homebuyer questions, informative through keeping up with market trends, and made the lender-borrower relationship personal. This was evident in quick responses during “off-hours” and he was incredibly trustworthy throughout each interaction. I couldn’t recommend him enough as a partner in the home buying process. Less

Zach was a wonderful lender to work with. He took time to answer all of our questions and was always quick to respond. Zach was super clear and transparent with us, and we felt confident that we had chosen someone trustworthy to work with. He will do everything he can to make the best deal for you. I highly recommend!

Zach is so helpful! He helped us all along our long road to becoming home owners and we are so glad he was able to help us through all the craziness of home buying!

As a Realtor, I work with many loan officers. At a certain point, all loans are the same, right? Where Zach excels is in the lower-than-average closing costs and that he keeps checking rates, even after locking, to see if they go down again. Outstanding! Clients are very happy. And we’ve never missed or extended a deadline. Love the accuracy.

Zach really knows his stuff! When my brother and I were looking to move out, the first hope was an affordable apartment. The thought of buying a home seemed so far out of reach financially, but with a little help and know how from Zach, my brother was able to purchase a home! We moved in shortly after and he started building equity instead of paying rent. I know it wouldn't have been so easy if Z... More

Zach really knows his stuff! When my brother and I were looking to move out, the first hope was an affordable apartment. The thought of buying a home seemed so far out of reach financially, but with a little help and know how from Zach, my brother was able to purchase a home! We moved in shortly after and he started building equity instead of paying rent. I know it wouldn't have been so easy if Zach wasn't there for each step of the way! Less

As a title insurance professional, I have the opportunity to work with many loan officers. Zach does a great job, he consistently demonstrates a high level of expertise, professionalism, and dedication, making every transaction personable, smooth and efficient.

Zach is truly an amazing lender. He kicks butt on so many levels. His service and care is unparalleled. I would highly recommend him to all my friends and family.

Zach was amazing, he worked with us to truly get us the best loan we could for a house. 10/10 would recommend and work with again.

Zach was great to work with!! Made things so easy and whole process very smooth! Would recommend him to our friends, family and absolutely anyone else!!

Zach Watson provided excellent guidance and service in helping us get a mortgage for our home purchase. He went above and beyond to understand our situation and find the best financing options. On one occasion, we suggested an unusual way to manage the loan and he did the research to let us know if it was feasible. He definitely represented our interests. I highly recommend him.

Zach was awesome! He was easy to work with, very efficient, and always happy and willing to answer any questions we had. He made our home buying experience breezy which was much appreciated. He was great and we'd be happy to work with him again!

Zach was awesome to work with! We were first time home buyers and had so many questions about the whole process. Zach was so patient and would answer every question we had and made sure that we understood what was happening. Every step was explained clearly and he made a seemingly scary process so easy!

I've interacted with many people over the years regarding how and where I spend my money. Without a doubt, Zach stands out as the most honest and trustworthy individual I've encountered. He always prioritizes the customer's best interests, and if any mistakes occur, he promptly rectifies them. If you're seeking help with one of life's biggest decisions, I highly recommend Zach at Integrity First ... More

I've interacted with many people over the years regarding how and where I spend my money. Without a doubt, Zach stands out as the most honest and trustworthy individual I've encountered. He always prioritizes the customer's best interests, and if any mistakes occur, he promptly rectifies them. If you're seeking help with one of life's biggest decisions, I highly recommend Zach at Integrity First Financial. Less

I am so grateful that my sister sent me to seminar on the home buying process set up by Zachary Watson and Colt Johnson Real Estate (These two make an amazing team!). I was very hesitant, because I work at a financial institution and I thought that Zach would not be able to get me as good of a rate or take care of me as well. I was wrong. Zach is AMAZING. Buying your first home is very frightenin... More

I am so grateful that my sister sent me to seminar on the home buying process set up by Zachary Watson and Colt Johnson Real Estate (These two make an amazing team!). I was very hesitant, because I work at a financial institution and I thought that Zach would not be able to get me as good of a rate or take care of me as well. I was wrong. Zach is AMAZING. Buying your first home is very frightening, and I was very back and for with Zach for a couple of months before I choose to work with him. He was very patient and answered my millions of questions before I had even agreed to work with him. I feel like his primary goal is to make sure is clients are educated on the process and making sure that the trust he builds is earned. Zach still reaches out to make sure everything with the new house and mortgage is going well. Zach has earned a customer for life and 5 star review from me. Less

Working with Zach was the best experience! He works hard for his customers and is tenacious in his pursuit of the perfect loan fit for each situation. I highly recommend using Zach for your next loan!

Zach is amazing!! He is well educated, quick to answer and very cost efficient! He has the ability to help with so many mortgage products for any situation!! Highly recommend using him for your next real estate need!

Zach was awesome to work with throughout the whole home buying experience. He made it easy and smooth. I would definitely recommend him to anyone looking to buy a home.

Zach was so amazing to work with! He kept us updated as things fluctuated and changed. He made sure we always knew all options we had.

Going in as a first time home buyer Zach made the process a lot less stressful, easily understandable and he was great to work with. Would definitely recommend!

Zach was incredibly knowledgeable and very helpful throughout our home buying and mortgage process. Highly recommend working with him.

Zach is the best loan officer I know. He has been in the industry for a long time and is super knowledgeable. More important than his knowledge and experience is that he actually cares about his clients. I have been able to witness firsthand how he treats each of his clients and he will go above and beyond to make sure they not only get the best deal, but have a great experience. It can be stres... More

Zach is the best loan officer I know. He has been in the industry for a long time and is super knowledgeable. More important than his knowledge and experience is that he actually cares about his clients. I have been able to witness firsthand how he treats each of his clients and he will go above and beyond to make sure they not only get the best deal, but have a great experience. It can be stressful when buying a home or when considering if a refinance is the right move. Zach takes the whole process and makes it simple, easy, and stress free. The loan officer you choose to work with is the difference between a great experience versus a nightmare. Whether you are looking to buy or refinance, if you choose to work with Zach, you won’t be disappointed. I couldn’t recommend him enough. Less

Zach made our first-time home buying experience practically seamless! Awesome to work with!

Zach has been amazing to work with! I have known Zach for many years. He has the utmost integrity, in everything he does, was true to his word. He was patient in answering my questions. He was knowledgeable about the process, and willing to go the extra mile. Zach went out if his way to work with my schedule. I have 100% trust in Zach and would use his services again should rhe the need arise!

Zachary Watson works incredibly hard to make sure you understand everything that you're doing. He is there day and night to answer any questions you have. If you have Zachary Watson as your loan officer you can be rest assured that you have someone that actually cares and will do anything to make you feel comfortable with your purchase of your home.

Zachary was amazing when it came to buying our house. He was very open and thorough with what we needed to do to have all of our finances in order. He was always open and available to talk with us to run numbers and see what would work best for us. He was amazing to work with and I would highly recommend anyone looking to buy your home to have Zachary help you all of the finances you won't be dis... More

Zachary was amazing when it came to buying our house. He was very open and thorough with what we needed to do to have all of our finances in order. He was always open and available to talk with us to run numbers and see what would work best for us. He was amazing to work with and I would highly recommend anyone looking to buy your home to have Zachary help you all of the finances you won't be disappointed! Less

Zach is the best. He was the loan officer for my wife and I on our first home. He was so easy to work with and made the process so simple and easy! I recommend anyone to reach out to him if you’re looking to buy a home, you won’t regret it!

Zach is as good as they get, he is well informed about the market, the process, and paperwork. He explains things in very clear and simple terms and helped us with both or first home and second. Zach went above and beyond to help us find a realtor that we could trust. He’s honest, kind, and energetic. I’d definitely recommend working with him and his team.

Zach is such a knowledgeable, genuine, and friendly person! We loved working with him as we bought our first home. His dedication and attention to detail did not go unappreciated and he never hesitated to take the time to make sure we understood everything about the process. 10/10 would recommend for anyone!

Zach is the best! He is always so helpful and available to answer any questions whenever we need. Zach is always on top of everything, and gets you what you ask for right away, even if it’s a weekend or late at night. I would recommend Zach to anyone.

Zach is the absolute best! He helped us get a loan for our first house and it made a huge difference in our lives. He explained everything and when we had questions he was always available to answer and clarify things for us. Would 1,000% go to Zach again for a loan!

Beyond satisfied with their process, professionalism and transparency. It always feel better to work with a local small business owner that cares vs a corporate company that just wants numbers over people.

Zach helped me during the course of buying my new home. I had a lot of questions during the process and he was always so willing to help me understand everything and answer all my question. He was extremely helpful, courteous, and professional. I would highly recommend using Zach when you are buying a home. He made me feel like my loan was as important to him as it was to me, I never felt overloo... More

Zach helped me during the course of buying my new home. I had a lot of questions during the process and he was always so willing to help me understand everything and answer all my question. He was extremely helpful, courteous, and professional. I would highly recommend using Zach when you are buying a home. He made me feel like my loan was as important to him as it was to me, I never felt overlooked. A truely delightful experience! Less

Zach is a stud! Love working with him! He takes his time to help you understand more of what he is doing for you and your family! I would refer EVERYONE to him!

Zach gets 10 stars. I can't believe how seamless our experience became when we got started with him. We had a unique situation trying to get approved with self-employment taxes. Zach would be the first guy I recommend to ANYone, especially self-employed individuals. Zach is SO good at what he does, and sometimes you just want it done the right way, no taking chances. That's Zach. We had tried for... More

Zach gets 10 stars. I can't believe how seamless our experience became when we got started with him. We had a unique situation trying to get approved with self-employment taxes. Zach would be the first guy I recommend to ANYone, especially self-employed individuals. Zach is SO good at what he does, and sometimes you just want it done the right way, no taking chances. That's Zach. We had tried for the better part of a month to get qualified and kept hitting walls everywhere we went. Once Zach got involved we were qualified and on the road to closing within a week. They say brokers make you broker but in complete transparency Zach was able to get us the LOWEST rate and then it got even LOWER under contract because he knows what the heck he's doing. He knows how to deal and negotiate with banks. He also used our sellers incentive money smarter than anyone else we had been on with. He is ALWAYS working and reachable, which is such an underappreciated quality. I leave very honest reviews everywhere I go, I say it like it is, I appreciate others doing the same when I read their reviews. Unbiased. I'm just being honest and giving you a heads up that you're gonna love this guy. Thanks for your help Zach, you're the man. Less

Zach helped us to finance our most recent home. He is a very knowledgeable, friendly, kind, considerate, and compassionate person. I trust Zach to have his customers best interest in mind.

Zach is amazing to work with. He made the whole home buying process so much simpler and helped us through every step of buying our first home. We’ve recommended him to so many friends and family since and loved working with him. Zach is the best there is!

Zach is such a great person to help you buy or refinance a house. He was available to answer any questions whenever we needed him. He is knowledgeable and friendly!

We love doing business with Zach! He is honest and so genuine - just a great guy. We are so lucky to call him a friend and know we are in good hands!

Zach was awesome helping us with our home loan! From start to finish he was very helpful answering all our questions! Will definitely use him again when we need to refinance!

Zach was absolutely awesome. It was my first time ever buying a house and he was great about answering any questions I had without making me feel dumb. He made sure to calculate through several different loan options to make sure I was getting the best deal. Super nice guy and I highly recommend working with him!

Zach wanted to make sure that we understood the process from beginning to end. He was so grateful to us that we chose to use him, and we felt taken care of the entire time. Refinancing can be overwhelming, but Zach walked us through step by step and we came out with great results! I would recommend him 100% to anyone!!

I have known Zach for almost 10 years now. As an experienced Realtor, I have worked with great and not so great lending services. Zach is at the TOP of his field. His knowledge, experience, and service are uuntouchable. I recommend him 100%.

We have worked with Zach for our initial mortgage and our refinance. He worked hard to find us the best rates and made the whole process quick and easy!

Zach was awesome to work with! He helped us find the best rate & made buying a home simple. He went above and beyond to help us!! He also helped us refinance and made that process easy too. We will definitely go to him again with any mortgage and financing concerns.

I found Zach to be very knowledgeable and friendly. He helped us through a difficult refinance with Integrity and Patience. I would highly recommend him for any of your next mortgage needs.

Working with Zach was absolutely awesome! He is so on top of things and was very organized! The process was quick and I felt that he made the mortgage refinance as painless and as quick as possible! Thank you Zach for such a great experience!

Zach was awesome to work with! He was helpful and knowledgeable. He patiently explained several different options to my wife and I. I highly recommend working with Zach!

Zach Watson is amazing and I can’t recommend working with him enough! He is knowledgeable and proficient, communicates well, and is patient with and open to any and all questions (and never makes you feel silly for asking them!) He has a way of being forthcoming and honest while also being exceptionally kind, humble, and concerned for those he’s working with! I recommend Zach to all of my friends... More

Zach Watson is amazing and I can’t recommend working with him enough! He is knowledgeable and proficient, communicates well, and is patient with and open to any and all questions (and never makes you feel silly for asking them!) He has a way of being forthcoming and honest while also being exceptionally kind, humble, and concerned for those he’s working with! I recommend Zach to all of my friends and family and honestly trust him 100%. Less

Zach is honest and very competent! He knows the ins and outs of mortages and how to get the very beat rates possible. He is incredible to work with!!! Best experience ever! Made our refinance easy!!!

Zach was great to work with. Knew the answer to all our silly questions and also the answers to what we didn’t know to ask.

Zach was easy to communicate with and a fantastic support during the buying process. Absolutely professional - one of the best!

Zach is great to work with. Really cared about trying to find the best situation and financing for us. I would recommend him as well as utilize his business again and again!

Zach was an exceptional lender for our primary home purchase. He worked quickly and efficiently, yet didn't miss a single detail. We will definitely be using him again for our next home purchase or refi!

Zach is phenomenal to work with! He helped us learn, look and eventually purchase a home. He helped talk over the financial side with me making sure I completely understood every aspect of the loan. He was very pro active and got our loan approved ahead of schedule. If you’re looking for someone to help with your mortgage loan look no further than Zach Watson.

Zach made miracles happen for us in securing financing for our new home. I had other good options and Zach promised to beat them no matter what. I was doubtful when he told me what he could do for us, but he delivered and kept his word on every detail of the loan and closing. I would recommend Zach to anyone looking for a home loan for sure and would not even explore other options, if I am ever i... More

Zach made miracles happen for us in securing financing for our new home. I had other good options and Zach promised to beat them no matter what. I was doubtful when he told me what he could do for us, but he delivered and kept his word on every detail of the loan and closing. I would recommend Zach to anyone looking for a home loan for sure and would not even explore other options, if I am ever in the market again. Thanks again Zach! Less

Zac has always been so helpful to us with all our mortgage needs! So great to work with.

Zach is AMAZING! I cannot say enough good things about the work he does. He answered my endless amount of questions throughout the process and was there every step of the way. He was always on the lookout for the very best rates and was on top of getting us a better one as soon as things changed. I love how detail oriented he is. Don’t hesitate working with him. He is the BEST!

It was easy working with Zach. He is very knowledgeable and we felt like he had our best interest in mind the entire process.

With the passing of my partner and loss of income Zach was able to refinance my home at a lower interest rate and save me 300.00 a month I am so thankful to him your awesome Zach 😊

I love working with Zac. He will go out of his way to get the best interest rate for you. I will definitely use Zac again.

Zack Mande the lending process super easy took care of all of my needs and explained everything as detailed as possible! I will not go to anyone else in the future! Zack is my guy, and he should be yours too!

Working with Zach was a pleasure during my recent purchase. He was very personable and helped guide me through the process from start to finish. He was quick to respond to my questions and resolved any issues, especially with underwriting. He, of course got me the best rate. Zach was so personable, that I felt like family. I would highly recommend him for any mortgage transactions. I look for... More

Working with Zach was a pleasure during my recent purchase. He was very personable and helped guide me through the process from start to finish. He was quick to respond to my questions and resolved any issues, especially with underwriting. He, of course got me the best rate. Zach was so personable, that I felt like family. I would highly recommend him for any mortgage transactions. I look forward to working with him during my next purchase. Less

Working with Zach to reach our financial and Home goals was a great experience. Not only is he friendly and considerate to our family’s needs, he is very conscientious and attentive to the details, large and small. Would totally recommend him to anyone, and would work with him again.

Zach was so awesome to work with. He went above and beyond to help us get our first house which was over a 6 month process. He would take our phone calls, run numbers for us and answer all of our questions even when he was crazy busy. Zach really does care about his clients and does everything he can to help you get into the house you want.

Zach was very personable and great to work with. He was very knowledgeable, clearly explained all of our options, and took the time to thoroughly answer any questions. We were buying a house remotely from another state, but Zach made the process very smooth and stress free. I would definitely work with Zach again.

Zach helped us get our first home. He made the entire mortgage process simple and understandable. I was worried about all the moving pieces and thought it would be complicated but he did a great job making sure everything was easy. Also, I appreciated that he made sure to get me the best deal.

Zach was excellent to work with! He was willing to go the extra mile to make sure our needs/wants were met ! I felt very confident and satisfied!

Zach completely nailed the financing process for us on our home purchase. Talked thru more scenarios than a normal homebuyers would probably ever ask, ran every one of them down to the ground in dollars and cents, and in then end we got more than we expected. We'll be calling him again for our next purchase.

Zach is easy to work with, accessible, and super helpful.

Zach is the man with the skills to take care of you. My wife and I both own businesses so lending can be as fun as gouging out my eyes with rusty spoons. Zach knows what he is doing and lead us to getting amazing loans for our properties. He is good at keeping us in the loop and being transparent with underwriting. I highly recommend him.

Worked with Zach on a home mortgage and he is great! Wonderful communication, does an incredible job working on all factors of the mortgage with great rates, closing costs, his the full package. Would recommend for anyone.

Zach helped me out, flawless experience. My favorite thing was, this is my first home and I had so many questions and felt kind of stupid, but he answered all of them, and did it in such a way where I actually felt smart about what I already knew. He knows his stuff and is very kind. I recommend him to everyone!

We used Zach for our own mortgage, and as real estate agents, we have referred him to several clients. We can always depend on Zach to find the right product for our clients because he has the nuanced knowledge and expertise. As well as having wonderful people skills, Zach is intelligent, a critical thinker, a good problem solver, and a great communicator. We trusted him with our own mortgage and... More

We used Zach for our own mortgage, and as real estate agents, we have referred him to several clients. We can always depend on Zach to find the right product for our clients because he has the nuanced knowledge and expertise. As well as having wonderful people skills, Zach is intelligent, a critical thinker, a good problem solver, and a great communicator. We trusted him with our own mortgage and will continue to trust him with our real estate clients. We can't recommend him enough! Cody and Alisha Hidalgo Less

Zach was amazing to work with! He was able to sit us down and really go over all the different options and the pros and cons of each. He was great at communicating everything in a way we could understand. He also always kept us in the loop and was quick to respond to questions we had during the process. His deep knowledge helped us get a great loan! I highly recommend using Zach!

Zach did an outstanding job walking us through the process start to finish. Would do business with them again for sure.

This was the best experience we could ask for. Zach was great about answering questions, explaining things, and keeping us completely in the loop of the process. We we could give 10 stars we would. Loved that he even cared about us enough to take time from his family vacation to move into cell service for our closing just in case we had any questions. Zach makes you feel the personal touch of buy... More

This was the best experience we could ask for. Zach was great about answering questions, explaining things, and keeping us completely in the loop of the process. We we could give 10 stars we would. Loved that he even cared about us enough to take time from his family vacation to move into cell service for our closing just in case we had any questions. Zach makes you feel the personal touch of buying a home! Less

I'm incredibly grateful for the outstanding support provided by zach throughout the house closing process. His expertise, responsiveness, and attention to detail ensured a smooth and hassle-free experience. He went above and beyond to address my concerns and guide me every step of the way. Thank you for your exceptional service!

Zach Watson helped with our home refinance. He is very dependable. He is knowledgeable to make sure you get the best deals. He is very prompt, kind, and so great to work with. I highly recommend Zach to anyone looking to buy a home or refinance an existing home. He is Amazing!!!

Zach was a pleasure to work with. He was available for us from start to finish. He kept us informed of market trends and made recommendations on loans for us.

Zach is the best broker you will ever find. He is honest, works hard, and communicates with you through every step. We recommend him to everyone looking for a mortgage loan! I know we won't be working with anyone but Zach for our future mortgage needs!

Zach was great to work with. We feel like he went above and beyond. And was even there over a year later when we needed help on another issue.

I have used Zach and his team several times refinancing. They are professional, responsive, timely, and their fees were lower. Highly recommend!

I've worked with Zach a couple of times. In each instance he made it a great experience. I will definitely work with him again!

Zach has been an absolute pleasure to work with. Me and my wife bought our new home back in 2020, and Zach made every step easy for us. You know he cares about his clients because he is always reaching out seeing how we are doing or wishing us happy birthday on our birthdays. I would recommend Zach to anyone!

We have done multiple loans with Zach and he has always been super helpful. He has been doing loans for sometime now and has a lot of info on the mortgage market.