About

Ten years. Two thousand families. One direct line.

I'm Michael Zachman, a mortgage advisor and branch leader for CrossCountry Mortgage. I help buyers, homeowners, and Realtors close across Southwest Florida (Punta Gorda, Port Charlotte, Sarasota, North Port, Venice, Cape Coral) and the Palm Beach coast. I built my practice on one promise: put my client in the strongest position at the offer table, and the strongest financial position over the life of the loan. I do what I say I'm going to do. I close early or on time. My preapproval is my word, and my reputation speaks for itself.

Scotsman Guide
Top Originator · 2026
4.96 ★ / 145 reviews
Verified on Experience.com
CrossCountry Mortgage
America's #1 retail mortgage lender
#1 Retail Lender
Scotsman Guide · 3 years running
Inc. 5000
10× honoree · fastest-growing
NMLS #1682867
Verified on NMLS Consumer Access ↗
Michael Zachman
My approach

Plain English. Real numbers. No runaround.

I started in real estate over a decade ago. What struck me, even then, was how often borrowers were left in the dark on their own loan. Voicemail tag. Vague timelines. Surprises at closing. I built my practice as the opposite of that.

Every file I lead, I lead personally, from the first conversation to clear-to-close. I tell you what your real payment looks like in your actual ZIP (Punta Gorda Isles, Burnt Store, Deep Creek, North Port, West Villages, Siesta Key), not a national average. I tell you what I see in the file, what could go wrong on Gulf-coast insurance or post-Ian condo warrantability, and what to do about it. Day one, in writing.

That's why a 4.96-star average across 145 reviews means more to me than any closed-loan volume number. It's clients and Realtors saying the same thing in different words: he structured it right, he kept us informed, he closed it on time.

How I work

One direct line. Same number, first call to closing day.

No call center. No 12-person handoff chain. I lead every file personally and answer the phone myself, so your contract date holds and your Realtor gets answers the same week the question lands.

Michael Zachman
Michael Zachman
Branch Leader & Loan Officer · NMLS #1682867

10+ years closing across Southwest Florida and the Palm Beach Coast. Your first call and your closing day are with the same person.

Ready when you are

Let's talk numbers.

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Direct to me. Real numbers, real timeline.

561-657-7750
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