Zach Mick
Sr. Loan Officer | NMLS# 1715872
I’m a Sr. Loan Officer with Lower Mortgage (Lower, LLC) in Bonita Springs, Florida. NMLS #1715872. I’ve been living and lending in Southwest Florida since 2018, and before becoming a Sr. Loan Officer I worked on 1,000+ closings as a Loan Of... Show More
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Reviews from Web
I always know my clients are in great hands when working with Zach Mick. He is incredibly knowledgeable, communicates clearly, and is always one step ahead throughout the lending process. As a Realtor, having a lender I can trust to not only...
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Josh and Zach made everything so easy and fast. They helped us every step of the way and explained everything while always keeping us informed of what we needed and what to expect. I would highly recommend Lower Mortgage. My wife and I thank...
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Reply from Zach Mick
October 8th, 2026 03:50 PM
Keith, thank you so much for taking the time to share this! Josh and I really enjoyed working with you and your wife, and we're glad the process felt easy and that you always knew what was coming next. That's exactly what we aim for. Congratulations...
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Zack and Josh were ao helpful throughout the process. They were always available to answer any questions along the way.
Reply from Zach Mick
October 8th, 2026 03:51 PM
Gabriela, thank you for the kind words! Josh and I are so glad we could be there to answer your questions and help you through every step. It was a pleasure working with you. Congratulations, and please reach out anytime if there's ever anything...
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Very responsive and helpful
Reply from Zach Mick
October 4th, 2026 12:51 AM
Mark, I'm happy to hear that you found me responsive and helpful. At Lower, providing a supportive experience is a priority for me and the team. Thank you for your feedback!
Very knowledgeable and professional! They really went the extra mile to make us feel confortable and informed throughout the entire process. Would highly recommend the lower mortgate team!
Reply from Zach Mick
October 2nd, 2026 07:00 PM
Ivan, I'm grateful for your kind words about my knowledge and professionalism. It's important to me and the team at Lower to ensure you feel comfortable and informed throughout the process. Thank you for your recommendation!
Lots of communication. Smooth process with the documents especially since we were remote.
Reply from Zach Mick
September 9th, 2026 02:41 PM
Cynthia, thank you so much for the kind words! We loved working with you on this one - closing in just 17 days while coordinating everything remotely took some real teamwork - even a full remote closing, awesome! We are glad the process felt...
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Fast response and all went smooth
Reply from Zach Mick
September 4th, 2026 12:13 PM
Hi Cortnee! I am so pleased with that we were able to move closing up almost a week to accommodate our mutual client - that was just 17 business days from contract to close! What an awesome result for her - and she was very pleased as well...
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friendly, helpful, great communication
Reply from Zach Mick
August 27th, 2026 07:34 PM
Rachelle, I'm pleased to hear that you found my communication friendly and helpful. Thank you for sharing your kind words!
Zach is extremely knowledgeable and is always ahead of what needs to be done. He presents all the options clearly so you can make the best decision possible. Truly makes the process easy and painfree.
Reply from Zach Mick
August 19th, 2026 06:32 PM
Bruce, thank you so much for the kind words and for trusting me with your loan. Staying ahead of what's needed and laying out your options clearly is exactly the experience I aim to give every client. I'm glad the process felt easy and painfree,...
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Zack was quick with the loan approval. He was available during closing when I needed him.
Reply from Zach Mick
August 19th, 2026 06:32 PM
Christopher, thank you for the great review and for the opportunity to work on your loan. Moving quickly (less than 2 week close!) on approval and being available when you needed me at closing is exactly how I try to operate. Closings can be...
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About
I’m a Sr. Loan Officer with Lower Mortgage (Lower, LLC) in Bonita Springs, Florida. NMLS #1715872. I’ve been living and lending in Southwest Florida since 2018, and before becoming a Sr. Loan Officer I worked on 1,000+ closings as a Loan Officer Assistant. I help buyers, homeowners, investors and realtor partners across Bonita Springs, Naples, Fort Myers, Estero and Cape Coral with conventional, FHA, VA, jumbo, condo, second-home, investment and refinance loans, plus DSCR, bank statement and asset qualifier options. Licensed in FL, GA, NH, MI, OH, AZ, NC, TN, SC, IL and TX..
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
Conventional
FHA
VA
DSCR
Business Bank Statement
Purchase
Refinance
Cashout Refinance
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- NMLS# 1715872
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.