Zephan Gilani - Absolute Home Mortgage
Mortgage Loan Originator - Absolute Home Mortgage ...
Zephan Gilani is an IT and finance expert, merging a passion for customer service with tech innovation. With a degree in Networking Communications Management, Zephan has shined as a Mortgage Loan Officer, leveraging artificial intelligence ... Show More
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Reviews from Web
I originally was working on a VA loan when I was going to purchase this house 3 1/2 weeks into the process near closing. The VA told me there was an issue with the home and which they could not provide the lending. We almost lost the purchase...
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Reply from Owner
April 28th, 2026 12:00 AM
Thank you so much for this incredible review. Situations like yours are exactly why I love what I do, when things get complicated and the pressure is on, that’s when having the right team matters most. I know how stressful it was when the VA...
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Zephan and his team are phenomenal to work with. After having issues with a VA purchase from Navy Fed, Zephan was able to help us flip the deal into a conventional loan and close in just under 3 weeks from start to finish. The process was seamless...
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Reply from Zephan Gilani
August 30th, 2025 12:48 AM
I'm truly glad I could assist in turning your situation around with the VA purchase. It's great to hear that you found the process seamless, and it's always rewarding to help make things work smoothly and efficiently. Thank you for trusting...
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Everything was so smooth. You hear nightmare stories about getting a mortgage and the closing process. Everything was explained to us in ways we could understand and it was clear exactly what we needed to provide to keep the process moving...
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Reply from Zephan Gilani
August 24th, 2025 12:48 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
I had no idea what I was doing buying a house. I am a very thorough person and like to understand the processes that take place when making a big transaction like this. Zephan was my sherpa up this huge mountain. He was there morning, noon,...
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Reply from Owner
April 28th, 2026 12:00 AM
Thank you so much for such an incredible review. I truly appreciate the trust you placed in me throughout such an important milestone. Buying a home for the first time can absolutely feel like climbing a mountain, especially when you want to...
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Zephan was verTy communicative and worked really hard to make my closing date
Reply from Zephan Gilani
August 20th, 2025 01:20 PM
I enjoyed working with you. Thank you for the great feedback.
Zephan is extremely knowledgable and easy to work with, making it feel like you really have someone who has your best interest in mind. Buying a home is extremely stressful, but Zephan and his team make it as seemless and worry free as it can...
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Reply from Zephan Gilani
August 10th, 2025 02:22 PM
Thank you for the 5-Star review. If you need anything, feel free to give us a call.
I can’t recommend Zephan enough. From the very beginning, he was incredibly professional,knowledgeable and above all patient- walking us thru every step of the mortgage process. Whether it was answering my endless questions, helping gather...
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Reply from Owner
April 28th, 2026 12:00 AM
Thank you so much for such a thoughtful and amazing review. It truly means a lot to me. Buying a home is one of the biggest financial decisions someone can make, and my goal is always to make sure my clients feel informed, confident, and fully...
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Zephan was always available for us whenever we needed! He was extremely professional while also always looking out for us as we navigated the process of being first time homeowners. Even after we closed, he is still checking in with us For...
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Reply from Zephan Gilani
August 8th, 2025 01:08 PM
I enjoyed working with you. Thank you for the great feedback.
With this being our first time buying a house, we didn’t know where to begin or who to look to for advice. Zephan was there from the start and is still helping us post closing with all of our questions! He’s professional, down to earth and...
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Reply from Owner
April 28th, 2026 12:00 AM
Thank you so much for the kind words! Helping first-time homebuyers is always special because I know how overwhelming the process can feel when you’re stepping into it for the first time. My goal is always to be more than just your lender,...
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There aren’t enough !!!!!! for how great Zeph is! This is my second time purchasing a home, and there was no question I had to use Zeph again. This time around I threw quite a few curve balls at Zeph, but he made sure we got to closing in 30...
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Reply from Owner
April 28th, 2026 12:00 AM
Thank you so much for this amazing review! Honestly, repeat clients are the biggest compliment I can receive and the fact that there was no question about working together again means a lot to me. Every deal has its own challenges, and this...
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About
Zephan Gilani is an IT and finance expert, merging a passion for customer service with tech innovation. With a degree in Networking Communications Management, Zephan has shined as a Mortgage Loan Officer, leveraging artificial intelligence to transform financial services. His mix of technical knowledge and financial insight has boosted efficiency, strengthened client bonds, and spurred innovations. Recognized by Forbes as a Rising Star in the Mortgage Industry, he has also earned the Five Star Professional award for four years, showcasing his commitment to excellence and forward-thinking in financial solutions.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Mortgage Lending: Purchases & Refinances
Conventional Loans
Government Lending: VA, FHA & USDA
Construction Loans: New Construction & Renovations
1st Time Home Buyer
Absolute and Crown Product List
VA Loan
Jumbo Loan
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Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 1601852
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Disclaimer
All borrowers may apply, not all may qualify. This document is provided by Absolute Home Mortgage Corporation. All rights reserved. This advertisement was not issued, reviewed, or approved by HUD, FHA, VA, or any other government agency. Absolute Home Mortgage Corporation is not acting on behalf or at the direction of FHA/HUD or the federal government. This is not a commitment to lend. Rates, prices, guidelines, and minimum requirements are subject to change at any time. Some products may not be available in all states. Subject to review of credit and/or collateral. Terms may apply. Absolute Home Mortgage Corporation is an Equal Housing Lender.
Absolute Home Mortgage Corporation, D/B/A Absolute, Absolute Home Mortgage, Absolute Home Mortgage Corp, Crown Home Mortgage, Fidelity Direct, Fidelity Direct Mortgage, MEP, Mortgage Equity, Mortgage Equity Partners. NMLS ID# 176743 (www.nmlsconsumeraccess.org); Please visit https://ahmcloans.com/state-licensing/ for full state licensing information. 165 Passaic Avenue, Suite 411, Fairfield NJ 07004. Phone number 855-888-2462. Alabama Consumer Credit License # 22912; Arizona Mortgage Banker License # 1008055; California – DFPI Financing Law License #603L578; Colorado Mortgage Company Registration; Connecticut Mortgage Lender License # ML-176743; Delaware Office of the State Bank Commissioner Lender License #025694; District of Columbia Mortgage Dual Authority License # MLB176743; Florida Office of Financial Regulation Mortgage Lender License # MLD424, Mortgage Lender Servicer License # MLD2617; Georgia Mortgage Lender License/Registration # 176743; Idaho Mortgage Broker/Lender License # MBL-2080176743; Illinois Residential Mortgage Lender MB. 6761437; Indiana-DFI Mortgage Lending License # 70384; Kentucky Mortgage Company License # MC889240; Maine Supervised Lender License # 176743; Maryland Division of Financial Regulation Mortgage Lender License # 176743; Massachusetts Mortgage Lender License and Mortgage Broker License # MC176743; Michigan 1St Mortgage Broker/Lender License # FL0024163, 2nd Mortgage Broker/Lender Registrant # SR0024199; New Hampshire Mortgage Banker License # 176743MB; Licensed by the New Jersey Department of Banking and Insurance - Residential Mortgage Lender License # 9826392; Licensed Mortgage Banker-NYS Department of Financial Services, NY Mortgage Banker License #LMBC 111237; North Carolina Mortgage Lender License #L-177842; Licensed under Ohio Mortgage Lending Act Certificate of Registration #RM.850254.000; Oklahoma Mortgage Lender License # ML016776; Oregon Mortgage Lending License # 176743, NMLS ID # 176743; Licensed by the Pennsylvania Department of Banking and Securities License #34628; Rhode Island Lender License # 20234665LL, Rhode Island Loan Broker License #20244695LB; South Carolina BFI Mortgage Lender # MLS-176743, MLS - 176743 OTN #1, MLS - 176743 OTN #2, MLS - 176743 OTN #3; Tennessee Mortgage License # 221915; Texas- SML Mortgage Banker Registration; Vermont Lender License # LL-176743; Virginia State Corporation Commission # MC-5924; West Virginia Mortgage Lender License # ML-176743.