Randy Zachary- Branch Manager NMLS ID 1157911

Randy Zachary- Branch Manager NMLS ID 1157911 Randy Zachary | Branch Manager/Sr. Loan Specialist NMLS # 1157911
Office: 775-387-0008

Don’t count yourself out because of your credit score — here are legit ways to still qualify:💡 FHA loans for 580+🏡 VA lo...
08/29/2025

Don’t count yourself out because of your credit score — here are legit ways to still qualify:

💡 FHA loans for 580+
🏡 VA loans if you’re eligible
✅ Options for

Not all home upgrades are created equal. Here are 5 that make a big impact:1️⃣ Bathroom renos = high ROI2️⃣ Kitchen refr...
08/19/2025

Not all home upgrades are created equal. Here are 5 that make a big impact:

1️⃣ Bathroom renos = high ROI
2️⃣ Kitchen refresh = buyer favorite
3️⃣ New windows = efficiency + value
4️⃣ Garage door = low cost, strong return
5️⃣ Landscaping = instant curb appeal

Save this if you're planning a renovation! 📌

An ADU can be a huge win for homeowners—if you know what to look for. Here’s what matters most:📍 Zoning & permits must b...
08/11/2025

An ADU can be a huge win for homeowners—if you know what to look for. Here’s what matters most:

📍 Zoning & permits must be in place
💡 Not all lenders count ADU income
📑 Appraisals + documentation = key
🏘️ Financing varies based on setup

Save this post for later if ADUs are on your radar! 📌

Don't let debt doubts hold you back from homeownership. Here’s what you actually need to know:🔹 Responsible management >...
08/05/2025

Don't let debt doubts hold you back from homeownership. Here’s what you actually need to know:

🔹 Responsible management > debt amount
🔹 DTI ratio is a key factor
🔹 Student & auto loans don’t mean denial
🔹 Smart credit use is what lenders look for

Shoot me a direct message to see what’s possible for you! 📬

Gift money is a great way to make buying your first home easier—just keep these key tips in mind:🎁 Most loans allow gift...
07/31/2025

Gift money is a great way to make buying your first home easier—just keep these key tips in mind:

🎁 Most loans allow gifts from close family
💸 Direct transfers to escrow are best
🕵️‍♂️ Lenders need to verify where funds came from

Got questions about using gift funds? Let’s talk! 📞

Feeling lost in mortgage language? Start with these 3 key acronyms:📊 APR = Total loan cost (rate + fees)📉 DTI = Debt vs....
07/29/2025

Feeling lost in mortgage language? Start with these 3 key acronyms:

📊 APR = Total loan cost (rate + fees)
📉 DTI = Debt vs. income (under 43% is ideal)
🛡️ PMI = Insurance added for

Breaking the rent cycle doesn’t take luck—it takes a plan:💸 Track your real monthly spending📈 Get pre-qualified to know ...
07/22/2025

Breaking the rent cycle doesn’t take luck—it takes a plan:

💸 Track your real monthly spending
📈 Get pre-qualified to know your budget
💡 Research buyer-friendly programs
🤝 Partner with a trusted lender + agent

DM me and let’s turn your rent into a mortgage plan! 📩

Recession doesn’t always mean retreat. Here’s what it could actually mean for YOU in real estate:🔹 Don’t panic—opportuni...
07/17/2025

Recession doesn’t always mean retreat. Here’s what it could actually mean for YOU in real estate:

🔹 Don’t panic—opportunities still exist
🔹 Buyers: less competition, softer prices, possible rate drops
🔹 Sellers: price smart & act before the market shifts
🔹 Long-term thinking > short-term headlines

Want personalized insight on today’s market? Let’s talk! 📞

04/29/2024

🚨 ATTN: LO’s 🚨
We’re hiring for our Northern NV office. We are a Broker and have our own in house lending best of both worlds 175bps to start with, lowest rates in our area! DM or 📞 775-387-0008

You want a TRUE for the people Conservative that is 🇺🇸 America First! Washoe County District 4 Commissioner VOTE Tracey ...
03/29/2024

You want a TRUE for the people Conservative that is 🇺🇸 America First! Washoe County District 4 Commissioner VOTE Tracey Hilton-Thomas Her opponent is taking money from corrupt organizations and even liberal democrats to try and beat her! If you live in Sparks NV, Spanish Springs NV, Palamino Valley NV, Pyramid Lake NV, Highland Ranch NV or Hidden Valley area NV This is the women to vote for! She is a God fearing women who is only running for the people. Not for her own fame, not for the money, and she doesn't like being the center or attention. She just has the experience she knows can finally help the people in this district!

03/21/2024

Recommendations needed:
Looking for custom tile installer. Need someone really good. Who do you recommend???

02/08/2024

Buy a home now & Refi later in the year. Get the best price on a home now in winter & lower rate later this election year! Now is the time! Get off the fence Call 775-387-0008 for your pre-approval needs!

Address

4884 Sparks Boulevard Ste 100
Sparks, NV
89436

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm
Sunday 9am - 6pm

Telephone

+17753870008

Website

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