Zachary Chinian NMLS 2162291

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Zachary Chinian NMLS 2162291 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Zachary Chinian NMLS 2162291, Loan service, 300 Centerville Road, Suite101A, Summit South, Warwick Neck, RI.

Full-Time Loan Officer and Home Loan Consultant with Mutual of Omaha Mortgage (NMLS #2162291)

Specializing in refinance loans, debt consolidation, remodeling, VA products, purchases, and construction. Passionate about making the most of life—whether it’s spending quality time with family and friends, exploring new destinations, or creating unforgettable experiences. ⚽✈️🏋️‍♂️ I’m a sports enthusiast who loves hitting the gym, catching a game, and embracing every opportunity for adventure and meaningful moments.

🏡 JUST FUNDED IN LACONIA, NH! 🏡When standard guidelines don't fit a real estate investor's goals, custom strategy takes ...
09/22/2026

🏡 JUST FUNDED IN LACONIA, NH! 🏡

When standard guidelines don't fit a real estate investor's goals, custom strategy takes over. We recently wrapped up a $300,000 DSCR loan for an ambitious client looking to scale their portfolio!

Here’s how we pulled it off:

✅ No Personal Income Docs: Instead of requiring traditional tax returns or paystubs, we utilized a DSCR (Debt Service Coverage Ratio) program. This allowed us to use the property's lease agreements and rent roll to cover the loan requirements seamlessly.

✅ LLC Positioning: We structured and closed the deal directly under the borrower’s LLC, giving them the leverage needed to build corporate equity and expand their business footprint.

✅ Problem Solving: Despite a long timeline involving new tenant leases and shifting LLC dynamics, proactive communication and custom structuring got us over the finish line smoothly.

Whether you're buying your first investment property or managing complex corporate holdings, having the right guidance makes all the difference.

📩 Ready to unlock your next deal? Reach out to me directly:

Zachary Chinian

NMLS #2162291 | 📲 (978) 852-6331

✉️ [email protected]

Mutual of Omaha Mortgage

🏡 Chinian’s Choice: Rates & Real Estate — Edition #54 is here!After a little time away, we’re back with another weekly ...
07/20/2026

🏡 Chinian’s Choice: Rates & Real Estate — Edition #54 is here!

After a little time away, we’re back with another weekly market update covering everything happening in mortgage and real estate. 🚀

Since launching on April 6th, 2025, this newsletter has continued growing thanks to everyone who reads, shares, and supports it. What started as a way to keep my clients and partners informed has become a weekly resource for hundreds of subscribers and thousands of followers nationwide.

This edition covers:
✅ Current mortgage rate trends
✅ The Federal Reserve and inflation outlook
✅ The state of today’s housing market
✅ Opportunities for buyers and homeowners
✅ What the future could look like for real estate

The market continues to change — but opportunity remains for those who are prepared.

Thank you for being part of the journey. Here’s to the next chapter of Chinian’s Choice! 🙌

👇 Read the full newsletter:
https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

🏡 Chinian’s Choice: Rates & Real Estate | Edition #53We’re back with another weekly market update! 🎉After taking some t...
07/13/2026

🏡 Chinian’s Choice: Rates & Real Estate | Edition #53

We’re back with another weekly market update! 🎉

After taking some time away, I’m excited to continue breaking down the mortgage and real estate landscape and bringing you the trends that actually matter.

This edition covers:
📉 Mortgage rate movement
🏠 Housing market changes
🏦 Federal Reserve & economic updates
📈 What today’s market means for buyers, homeowners, and investors

The headlines can be overwhelming — my goal is to simplify the noise and provide clear insight so you can make informed decisions.

Thank you to everyone who continues to read, share, and support this newsletter. More to come! 🙌

👇 Read the full edition:
🔗 https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698


💼 Short Newsletter Description (for sharing)

Edition #53 is here! 🏡 We’re breaking down mortgage rates, housing trends, Fed updates, and the opportunities still available in today’s evolving market.

🏡 Chinian’s Choice: Rates & Real Estate — 52nd EditionThis week’s housing market update tells a clear story: the market ...
07/06/2026

🏡 Chinian’s Choice: Rates & Real Estate — 52nd Edition

This week’s housing market update tells a clear story: the market is not collapsing, but it is not loosening either.

Mortgage rates remain volatile but range-bound, keeping buyers cautious and strategic. Housing supply is improving in some regions but still tight in others, creating a highly uneven national picture.

One of the most important developments? Younger buyers—especially Gen Z—are entering the market in record numbers, reshaping demand even in a high-rate environment.

💡 The big takeaway: success in today’s market isn’t about timing perfectly—it’s about positioning correctly.

If you’re thinking about buying or refinancing, strategy matters more than ever.

📬 Chinian’s Choice — Weekly Mortgage & Real Estate Intelligence

👇 https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

I’m a little late sharing this, but I didn’t want to let the moment pass without reflection.The 4th of July is always sp...
07/06/2026

I’m a little late sharing this, but I didn’t want to let the moment pass without reflection.

The 4th of July is always special—celebrating 250 years of American independence 🇺🇸 and honoring the veterans and first responders who I’m grateful to know personally as friends and family.

This year, it carries an even deeper meaning for me because it’s also my mom’s birthday ❤️

So while the post is delayed, the gratitude is right on time.

Grateful for this country, for the people who serve it, and for the family who means everything.

Hope everyone had a safe and meaningful Independence Day.

📢 Chinian’s Choice: Rates & Real Estate is back!The 51st edition is here after a short break — bringing you the latest u...
06/29/2026

📢 Chinian’s Choice: Rates & Real Estate is back!

The 51st edition is here after a short break — bringing you the latest updates on the mortgage and housing markets. 📈

This week:
🏡 Where rates are heading
📊 What buyers should know
💰 How homeowners can use today’s opportunities

Stay informed. Stay prepared.

Read the full newsletter 👇
🔗 https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

Mortgage rates continue to hold in the mid-to-upper 6% range, but the bigger picture is more important than the headline...
06/02/2026

Mortgage rates continue to hold in the mid-to-upper 6% range, but the bigger picture is more important than the headline number.

We’re seeing a market that is stabilizing rather than shifting dramatically in either direction:

Home prices are leveling, not falling
Refinancing remains selective
Inflation continues to influence long-term borrowing costs
Housing supply remains the key constraint

This is not a boom or bust cycle — it’s a recalibration phase where strategy matters more than timing.

I break down exactly what this means for buyers, homeowners, and professionals in this week’s Chinian’s Choice: Rates & Real Estate (Edition #50).

📩 Full breakdown available in the newsletter.

Newsletter: https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

🚨 There’s a big misconception right now in the housing market…A lot of people are still waiting for rates to “come down....
05/28/2026

🚨 There’s a big misconception right now in the housing market…

A lot of people are still waiting for rates to “come down.”

But the reality is different — rates aren’t really dropping anymore. They’ve settled into a higher, more stable range 📊 and that changes everything for buyers and homeowners.

In this week’s Chinian’s Choice: Rates & Real Estate (Edition #49) I break down:
🏡 What’s actually driving today’s mortgage rates
📉 Why affordability is still tight even in a “stable” market
💡 Where real opportunity still exists if you know where to look

If you’re making decisions based on old assumptions about rates, this is an important read.

🔗 Read the full edition here: https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

🚨 NEW: Chinian’s Choice: Rates & Real Estate — Edition 42 is out now.The housing market is sending mixed signals right n...
05/19/2026

🚨 NEW: Chinian’s Choice: Rates & Real Estate — Edition 42 is out now.

The housing market is sending mixed signals right now, some areas are showing surprising strength while others continue to adjust under higher rate pressure.

But the real story isn’t in any single headline… it’s in how all the pieces are starting to connect.

In this week’s edition, I break down what’s actually driving today’s market and what buyers, sellers, and homeowners should be paying attention to right now.

👉 Read the full newsletter here: https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

— Zachary Chinian
Mutual of Omaha Mortgage

📊 Chinian’s Choice: Rates & Real Estate — Edition 47 is now liveWe’re approaching 1,000 subscribers, and each week the m...
05/13/2026

📊 Chinian’s Choice: Rates & Real Estate — Edition 47 is now live

We’re approaching 1,000 subscribers, and each week the market conversation around housing, mortgage rates, and strategy continues to evolve in meaningful ways.

This edition focuses on what’s happening beneath the surface of the headlines — and what buyers, homeowners, and referral partners should be paying attention to right now.

If you’re trying to make smarter decisions in today’s market, this is a must-read.

🔗 Access the full newsletter here: https://www.linkedin.com/newsletters/chinian%E2%80%99s-choice-rates-real-7315394118111645698

— Zachary Chinian | Mortgage Loan Originator
Mutual of Omaha Mortgage

Address

300 Centerville Road, Suite101A, Summit South
Warwick Neck, RI
02886

Telephone

+19788526331

Website

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