Katie Zacherle, Sr. Loan Officer - NMLS ID 585129

Katie Zacherle, Sr. Loan Officer - NMLS ID 585129 Katie's consultative approach helps you navigate real estate acquisition with an eye to your goals. Katie Zacherle | Sr.

Loan Officer - NMLS 585129
Atlantic Coast Mortgage, LLC (“ACM”)
Equal Housing Lender
Company NMLS 643114 (www.nmlsconsumeraccess.org) Loan Officer - NMLS 585129 | acmllc.com/katie-zacherle

Atlantic Coast Mortgage, LLC (“ACM”)
Equal Housing Lender
Company NMLS 643114 (www.nmlsconsumeraccess.org)
Privacy Policy: www.acmllc.com/privacypolicy
Licensure & Product Disclaimers/Disclosures: www.acmllc.com/legal

Appraisals are about more than just a number.With the new appraisal report format coming November 2, 2026, Fannie Mae an...
09/15/2026

Appraisals are about more than just a number.

With the new appraisal report format coming November 2, 2026, Fannie Mae and Freddie Mac are adding more detailed ways to capture property condition, improvements, and features.

That includes separate interior and exterior ratings, more information about kitchen and bathroom updates, and sections for energy-efficient and disaster-mitigation features.

For buyers, this means the details in the report are worth reviewing closely.

For homeowners and agents, this means it’s important to have a clear list of completed updates and improvements ready.

Preparation can make a big difference.

09/12/2026

Working with a buyer who needs to rent their existing home in order to qualify for the next one? Listen up. 👀

Fannie Mae just made this strategy a little cleaner.

Using rental income from a departing residence isn't new. We've been able to do that.

What's changing is how we document the rent.

Previously, an executed lease could be part of establishing the rental income—which could create an awkward chicken-and-egg situation:

Your buyer needs rental income to qualify for the next house…but doesn't necessarily want to commit their current home to a tenant before they know the next purchase is happening.

Under Fannie Mae's new departing-residence guidance, the lease no longer determines the qualifying rent.

Instead, we document market rent using an appraisal/Form 1007 or qualifying market-rent analysis.

Example:

🏡 Market rent: $2,400
📊 75% qualifying rent: $1,800
💰 Current PITIA: $1,900
➡️ Only the $100 difference impacts qualifying.

Why do I care?

Because there are homeowners sitting on 3% and 4% mortgages who would LOVE to move without giving up the asset they already own.

For the right buyer, keeping that home as a rental may be part of the strategy.

So if you hear:

“We want to buy, but we'd need to rent this house to make it work…”

Call me BEFORE they sign a lease—or put up a FOR SALE sign.

Let's figure out what they can actually do.

Eligibility, documentation and reserve requirements apply. Guidelines subject to change. Not all borrowers/properties qualify.

09/11/2026

I remember September 11th.

I remember a girl running into my classroom in tears and crumpling to the floor. Her parents worked at the Pentagon, and she didn't know if they had been lost.

I remember another classmate crying, worried her uncle had made it to his meeting at the World Trade Center. Was he there? Was he okay?

I remember walking the halls, stunned. Eventually, I sat glued to the news, watching something none of us could fully comprehend while the world tried to figure out what was happening—and what we were supposed to do to stay safe.

Even now, I can barely watch the videos or listen to the calls from that day without crying.

I think about the lives lost. The families that changed in an instant.

And I miss something about the America we became afterward.

We were kinder. More forgiving. More aware of how precious life was. For a little while, it felt like we remembered that we belonged to one another.

Years later, my work at a local bank brought one of those families into my life.

I served a young woman who had lost both of her parents at the Pentagon on 9/11.

She was about to turn 18, trying to build a life without the two people who should have been there to guide her.

I remember feeling fiercely that she needed someone in her corner—someone who would help her understand enough to make decisions for herself.

I still think about her. I wonder where she is and what her life looks like now.

Now that I'm a parent, I understand that feeling even more deeply.

If my child ever had to navigate this world without me, I would pray that good people would find her.

People who would teach her what she didn't know. Tell her the truth. Protect her voice. Help her build something of her own.

I think of that young woman often when I'm helping someone build their own dream. It's part of the advisor I've become.

9/11 reminds me of terrible loss and what hatred can take from us.

But I also remember how we turned toward one another.

We helped. We forgave. We loved our neighbors a little better.

May we remember those we lost by taking better care of the people still here. 🇺🇸

I remember September 11th.I remember a girl running into my classroom in tears and crumpling to the floor. Her parents w...
09/11/2026

I remember September 11th.

I remember a girl running into my classroom in tears and crumpling to the floor. Her parents worked at the Pentagon, and she didn't know if they had been lost.

I remember another classmate crying, worried her uncle had made it to his meeting at the World Trade Center. Was he there? Was he okay?

I remember walking the halls, stunned. I remember eventually sitting, glued to the news, watching something none of us could fully comprehend while the rest of the world tried to figure out what was happening—and what we were supposed to do to stay safe.

And even now, all these years later, I can barely watch the videos or listen to the phone calls from that day without crying.

I think about the lives lost. The families that changed in an instant.

And I miss something about the America we became in the days that followed.

We were kinder to each other. More forgiving. More aware of how precious life was. For a little while, it felt like we remembered that we belonged to one another.

Years later, my work at the local bank brought one of those families into my life.

I served a young woman who had lost both of her parents at the Pentagon on 9/11.

She was about to turn 18, trying to build a life and make enormous financial decisions without the two people who should have been there to guide her.

I worried about her. The people around her seemed to be using her rather than guiding her, and I remember feeling fiercely that she needed someone in her corner—not someone making decisions for her, but someone helping her understand enough to make them for herself.

I still think about her. I wonder where she is and what her life looks like now.

And now that I'm a parent, I understand that feeling even more deeply.

If my child ever had to navigate this world without me, I would pray that good people would find her.

People who would protect her without taking away her voice. Teach her what she didn't know. Tell her the truth. Help her build something of her own.

I think of that young woman often when I'm sitting across from someone young who is beginning to build their own dream.

It's part of the advisor I've become.

September 11th reminds me of terrible loss. Of what hatred and violence can take from us.

But I also remember what happened when, in our grief, we turned toward one another instead of away.

We helped. We forgave. We loved our neighbors a little better.

I don't ever want to forget that part either.

May we remember the people we lost by taking better care of the people still here. 🇺🇸

I got an inquiry recently that was refreshingly direct:"𝑰'𝒎 𝒓𝒂𝒕𝒆 𝒔𝒉𝒐𝒑𝒑𝒊𝒏𝒈."Fair enough. 😂She and her husband were alread...
09/10/2026

I got an inquiry recently that was refreshingly direct:

"𝑰'𝒎 𝒓𝒂𝒕𝒆 𝒔𝒉𝒐𝒑𝒑𝒊𝒏𝒈."
Fair enough. 😂

She and her husband were already under contract, and I was being compared against several lenders—including some of the big online names.

So yes, we talked about rate.

But first, 𝑰 𝒘𝒂𝒏𝒕𝒆𝒅 𝒕𝒐 𝒌𝒏𝒐𝒘 𝒂𝒃𝒐𝒖𝒕 𝒕𝒉𝒆𝒎.

Why this house? Why now? How long did they see themselves there? How did this move fit into the bigger picture? What mattered to them beyond getting the lowest number on a piece of paper?

We got on a quick call, talked through everything, and in the process discovered that they could qualify with just one of them on the mortgage—which opened the door to some special programs and pricing they hadn't been considering.

From there, we kept talking.

They sent me the competing offers. I went through them honestly. I kept them updated, answered questions, and made sure they understood what they were actually comparing.

And when we finally got down to the numbers...

𝑰 𝒅𝒊𝒅𝒏'𝒕 𝒘𝒊𝒏.

One of the online lenders beat me by .125% on the interest rate.

I was incredibly close. The difference in fees was relatively small. But if we're talking strictly about who could put the lowest rate on a piece of paper that day, it wasn't me.

𝐀𝐧𝐝 𝐭𝐡𝐞𝐧 𝐭𝐡𝐞𝐲 𝐜𝐚𝐥𝐥𝐞𝐝 𝐦𝐞.

They told me that, hands down, I had been the best experience they'd had with any of the lenders they'd spoken with.

They knew what was happening. They understood their options. They felt like I'd been transparent with them from the beginning.

And most importantly, they trusted that I had their best interests at heart.

𝐓𝐡𝐞𝐲 𝐜𝐡𝐨𝐬𝐞 𝐦𝐞.

Not because rate didn't matter. It absolutely did.

But because when the numbers were that close, they decided the person on the other side of the transaction mattered, too.

I think about that a lot in this business.

A mortgage is a financial product. Of course the numbers matter.

But buying a home—putting down roots, moving your family, deciding what to do with a significant amount of your money—isn't just a financial product.

It deserves a conversation.

It deserves strategy.

And it deserves someone you trust sitting on the other side of the table.

I'm pretty proud they chose me for that seat.

Mortgage approval can feel confusing, especially when terms like pre-qualification, pre-approval, and underwriting appro...
09/08/2026

Mortgage approval can feel confusing, especially when terms like pre-qualification, pre-approval, and underwriting approval all sound pretty similar. 🏡

But they don’t all carry the same weight.

This quick Mortgage Approval 101 breaks down the difference and shows how each step can help prepare you for the homebuying process.

The stronger your approval, the more confidently you can shop and make an offer when the right home comes along.

Swipe through to see the difference, and if buying a home is on your radar, I’m always happy to talk through what makes the most sense for you.

Consider this your reminder to relax a little extra this weekend. 😎Happy Labor Day Weekend!
09/04/2026

Consider this your reminder to relax a little extra this weekend. 😎

Happy Labor Day Weekend!

Homebuying is personal, and the right guidance can make all the difference. Whether it’s your first home or your next on...
09/01/2026

Homebuying is personal, and the right guidance can make all the difference.

Whether it’s your first home or your next one, I’m here to help make the process feel clear, comfortable, and manageable from start to finish.

Your mortgage should support your life, not the other way around. The right strategy can look different for everyone, de...
08/27/2026

Your mortgage should support your life, not the other way around.

The right strategy can look different for everyone, depending on your goals today and where you want to be tomorrow.

If you’re thinking about buying, refinancing, or simply want to understand your options, I’m always happy to help.

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1807 Libbie Avenue Suite 102
Richmond, VA
23226

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