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Zack Pappuleas at CrossCountry Mortgage
Branch Manager | NMLS #2071748

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Eagle, ID. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering... Show More
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My husband and I were first-time home buyers who found a FSBO property to call home. Zack and Sara walked us through every step and provided additional support where we didn't have realtors to guide us. We would tell anyone looking to buy to...
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Reply from Zack Pappuleas
August 3rd, 2026 04:53 PM
Janine, I'm grateful for your kind words and recommendation. I'm pleased to hear that you and your husband felt supported throughout the home buying process, especially with a FSBO property. It was wonderful working with you both, and I'm here...
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Zack is an absolute stud. Both he and Sara worked very hard to get us to the finish line. I highly recommend Zack and his team to all my clients and friends. He takes great care with everyone. Thanks Zack!
Reply from Zack Pappuleas
July 31st, 2026 03:29 PM
Kelly, I appreciate your kind words and recommendation. I'm glad to hear that you felt well taken care of by both Sara and me. It was great working with you to reach the finish line, and I look forward to assisting you and your clients in the...
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Zack has been thorough in educating us in our first home buying experience. Was very communicative throughout the process, keeping us in the loop and making sure we had confidence and comfort in our mortgage decisions. Definitely would recommend....
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Reply from Zack Pappuleas at CrossCountry Mort...
August 9th, 2026 03:18 AM
Thank you so much Samone for the opportunity to help you on your move to Colorado! Thank you for the kind words as well! I hope you both are loving Colorado!
Zack and his team went above and beyond for me and my family!
Reply from Owner
October 20th, 2026 02:15 PM
Kegan, I'm glad to hear that you and your family had such a positive experience with me and my team. At CrossCountry Mortgage, LLC, going above and beyond for our clients is always our goal.
Zack was incredible!!! As a first time home buyer I had lots of questions. Zack is knowledgeable and extremely professional. Could of asked for a better lending agent. Recommend 100%
Reply from Owner
October 20th, 2026 03:44 PM
Clayton, I'm glad to hear that you felt supported and your questions were answered during your first-time home buying experience. At CrossCountry Mortgage, LLC, providing knowledgeable and professional service is always my goal. Thank you for...
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Zack Pappuleas at CrossCountry Mortgage has received a review with 5 star rating from Jacob P
Reply from Owner
October 20th, 2026 03:52 PM
Jacob, thank you for your positive rating! I'm pleased to know that you had a good experience with me at CrossCountry Mortgage, LLC.
Zack is very communicative! He was super fast when helping me get my house and is very helpful with the whole process!
Reply from Owner
October 20th, 2026 01:45 PM
Reyna, I'm pleased to hear that you found my communication and assistance helpful throughout the process. At CrossCountry Mortgage, LLC, ensuring a smooth experience for you is always my priority.
Personal home loan with Zack was fantastic! Great process for getting docs to his team and great communication throughout the process.
Reply from Owner
October 20th, 2026 05:35 PM
I'm pleased to hear that the home loan process was smooth and that you experienced great communication with my team and me, Criterion. At CrossCountry Mortgage, LLC, we strive to make the documentation process as efficient as possible.
The best in the league!! Zack and team took great care of us and took care of every detail to the end!
Reply from Owner
October 12th, 2026 03:36 PM
Thank you so much Kim for trusting us with your home purchase and for the 5 star review!
Zack is amazing to work with. I have done several transactions with him and he is always so on top of it and very communicative. My clients are always happy and appreciative after working with him. Thank you Zack for being an honest and trustworthy...
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Reply from Owner
October 10th, 2026 05:36 AM
Thank you Gianna for trusting me with your clients and for the kind review!
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About
Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Eagle, ID. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #2071748 | Branch NMLS #2181128
Products & Services
Mortgage Lender
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Cash-Out Refinances
DSCR Loans
Profit & Loss Only Mortgage
Bank Statement Mortgages
Specialities
Loans: Conventional, FHA, VA, USDA, Jumbo, Construction NonQM-Bank Statement, Asset, P&L, 1099, DSCR
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Positions
- CrossCountry Mortgage - Branch ManagerMay 18th, 2026 - Current
- Waterstone Mortgage - Mortgage Loan OriginatorJan 9th, 2023 - May 15th, 2026
Memberships
- Canyon County Regional REALTORS®
- Mortgage Coach
- Business Networking International (BNI)
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Year Started
2021
Time Zone
Mountain Standard Time (MST)
Licenses
- 2071748
Gallery





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+4
Awards
2023 Rookie of the...
2024 Presidents Cl...
2025 Presidents Cl...
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Achievements
- 2026 Scotsman Guide Top Originator
Hobbies
- Camping
- Hunting
- Fishing
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Disclaimer
CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095