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.
About
Michael Zachman: SWFL Mortgage Advisor at CrossCountry Mortgage
I'm Michael Zachman (NMLS #1682867), a mortgage advisor and branch leader for CrossCountry Mortgage in Delray Beach, Florida. 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 keep them in the strongest financial position for 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 ★ / 147 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 ↗
My approach
Plain English. Real numbers. No runaround
I started in real estate over a decade ago. Even then, what struck me was how often buyers were left in the dark on their own loan. Voicemail tag. Vague timelines. Surprises at the closing table. I built my practice as the opposite of that.
Every loan I lead, I lead myself, from the first conversation to clear-to-close. I'll 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'll tell you what I see in your loan, what could go wrong with Gulf-coast insurance or post-Ian condo warrantability, and what to do about it. Day one, in writing.
That's why a 4.97-star average across 180 verified reviews means more to me than any closed-loan volume number. It's clients and Realtors saying the same thing in different ways: 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 loan personally and answer the phone myself, so your contract date holds and your Realtor gets answers the same week they ask the question.
Ready when you are
Let's talk numbers
If you're exploring
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