Zach P. Smith is a seasoned Senior Loan Officer with Chariot Financial, located in Lakewood, Colorado. Since graduating from Colorado State University and entering the mortgage and real estate industry in 2003, Zach has specialized in assisting first-time homebuyers, real estate investors, and those seeking refinancing options, including reverse mortgages. He is proficient in a variety of loan types, such as Conventional, FHA, VA, Jumbo, down payment assistance, and USDA Guaranteed Loans. Zach's primary goal is to empower his clients with the knowledge needed to make informed decisions, providing detailed estimates of monthly mortgage payments, closing costs, and down payment requirements. A Colorado resident since 1988, Zach enjoys outdoor activities, music, and spending time with his family. NMLS 21934.