Zach is THE MAN!!! Down to earth, he’s in your corner, he’s REAL, pulls no punches and tells it like it is. I actually called Pacific Mountain a few months before refinancing due to a flyer I received. I asked a few basic questions, including about the competition and their rates which seemed better. I actually spoke to Zach at that time and, of course, he told it like it was, explaining why the better rates actually weren’t better, especially with a VA loan refinance. A few months later, I was back on the phone with him. I just really appreciated the honest information he gave me, it stuck with me! All I can do is recommend spending some time talking with him. You might as well get as much information from him – and other sources – before taking the very serious plunge of financing/refinancing. Even if you don’t use Pacific Mountain, I promise you that you won’t regret speaking and learning from them. Zach was in constant communication with me throughout the loan process, I never felt pressured or concerned if I was making the right decision. Do it right, at least give a call to Zach, he’ll talk to you – I had other’s that wouldn’t give me the time of day because they seemed to want me to commit before giving out any information which automatically tells me I DON’T want to give them my business!