Zack Tarbet - Mortgage Loan Officer

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United States
Colorado Springs, CO
Zack Tarbet - Mortgage Loan Officer

I help Veterans use their VA loan Nationwide 🇺🇸
100+ 5 ⭐️ reviews on google
300+ Families served and counting
Mortgage Lender
US Army Veteran
NMLS 2040562

10/30/2026

Closing Day for a unique loan NO Pay stubs needed
No Tax returns needed
Perfect loan for self employed or fixed income borrowers

10/30/2026

Veterans don't let your VA loan go to waste!
If you want help comment below or DM me!
I run a team of mortgage professionals helping veterans from coast to coast!
719-259-2246
Nmls2040562

10/28/2026

What most veterans get wrong about the VA loan could be costing them a home.
Here are 5 common VA loan myths:
1. "I can only use it once."
Your VA entitlement can often be reused, subject to eligibility and lender guidelines.
2. "I need perfect credit."
VA does not set a minimum credit score, although individual lenders may set their own credit requirements, and your credit can still affect approval and terms.
3. "It's only for first-time buyers."
A VA loan is for an eligible veteran buying a primary home, not just a first home, and not just while you are on active duty.
4. "You can't buy a multi family."
Yes, eligible veterans can buy up to 4 units, if you live in one unit as your primary home and rent the others, subject to VA and lender guidelines.
5. "You can't buy a fixer upper."
VA has a renovation program that can let eligible buyers roll approved repairs into the loan, subject to VA and lender guidelines, appraisal, and program requirements.
If you are a veteran, active-duty, or PCSing and wondering what a VA loan can actually do for you, message me "VA" and I will walk through your next step, starting with your COE and pre-approval check.

10/24/2026

Paying a $150+ cleaning fee only to be handed a chore list before a 10 AM checkout has finally pushed travelers to their limit. 🧼❌

Airbnb has started cracking down on excessive checkout chores, meaning hosts shouldn’t expect guests to strip beds, wash linens, or vacuum while still paying premium turnover fees.
Meanwhile, hotels are winning back guests simply by letting them leave the key on the nightstand and walk out the door. No chores, no hidden fees, no stress.

Is this policy shift enough to keep you booking vacation rentals, or have you officially switched back to hotels for good?

What’s the most unreasonable checkout chore a host has ever asked you to do? Share your story in the comments below! 👇

10/22/2026

The home's seller covered the full amount, through something called a seller concession.

Here's how that works. When you write an offer, you can ask the seller to put money toward your closing costs. If they agree, it goes into the contract, and that money covers costs you would otherwise bring to the closing table.

This veteran almost took a different path. Earlier in the search, they looked at a new build and steered away from it. The builder's in-house lender didn't explain things clearly enough for them.

My take: when a veteran understands every number in front of them, they can decide with confidence. That's the job.

If you're a veteran shopping for a home, ask about seller concessions before you write your offer. And keep asking questions until the answers make sense to you.

What's one part of buying a home you wish someone had explained better?

10/20/2026

Veterans need more education on the VA Loan! That’s what I’m here for! Veterans you can buy a home with no money down, no private mortgage insurance, and better interest rates. Do not be pushed into another loan!

10/20/2026

The VA funding fee is a one-time government fee required on most VA purchase and refinance loans.

It directly offsets the taxpayer cost of the VA loan program, keeping it self-sustaining.

First-time home buyers placing less than 5% down pay a 2.15% fee on purchase loans.

Repeat buyers placing less than 5% down pay a higher fee of 3.3%.

Putting down 5% to 9.9% drops the fee to 1.5%, while 10% or more lowers it to 1.25% for both first and repeat users.

An IRRRL (Interest Rate Reduction Refinance Loan) carries a low rate of just 0.5%, regardless of past usage.

Cash-out refinances carry a 2.15% fee for first-time use and 3.3% for subsequent use.

Borrowers can pay the fee out of pocket at closing or roll it directly into the total loan balance.

Veterans receiving VA disability compensation are completely exempt from paying any funding fee.

Surviving spouses receiving DIC benefits and active-duty Purple Heart recipients also qualify for a full exemption.

10/18/2026

Your fixed rate payment went up
You don't know why
Check these two things
1. Home owners insurance
Many areas are seeing insurance premiums increase
This is the easiest thing to change by shopping around I have great connections if you need a policy review
2. Property taxes. Depending where you live reassessments can happen every 1-2 years.
With the right information you may be able to dispute the county's opinion of value.
If you need help comment ME below

10/17/2026

Getting medically retired and being told you can’t buy a home til you’re officially out?
Your lender may be the problem

05/04/2026

Who knew my toughest competition this week wouldn’t be the housing market… it would be Mario Kart 😅🏁

Safe to say I may need a rematch.

Address

Colorado Springs, CO
80922

Website

https://share.google/pbDjJDbC7FRpm6ECK, http://linktr.ee/zacktarbet?utm_source=linktree_profile_share<sid=6c4eb02d-b8c

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