---
canonical_url: https://lendb.ai/lo/jeffrey-zachow-450729
json_url: https://lendb.ai/lo/jeffrey-zachow-450729.json
nmls_id: 450729
last_verified: 2026-10-09
---

# Jeffrey "Zack" Zachow

Mortgage Loan Officer at Loan Factory. NMLS ID 450729 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450729)).

**Summary:** Jeffrey "Zack" Zachow (NMLS 450729) is Mortgage Loan Officer at Loan Factory. Licensed in Florida, confirmed with the state regulator (license LO91750). Also lists Georgia, North Carolina, Pennsylvania and Virginia on the lender page (not yet checked with the state regulator). Focus areas shown on the lender page: HELOC, Reverse mortgage, First-time buyer, VA loan and FHA loan. Earliest state license record: July 21, 2021 (Florida), per state regulator. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Earliest state license record: July 21, 2021 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 30 (source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729, verified 2026-10-09)
- Licensed in: Florida (FL, confirmed), Georgia (GA, lender_reported), North Carolina (NC, lender_reported), Pennsylvania (PA, lender_reported), Virginia (VA, lender_reported)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **HELOC** (`heloc`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729
- **Reverse mortgage** (`reverse`): lender page, confidence 0.70, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.59, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729
- **VA loan** (`va`): lender page, confidence 0.55, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729
- **FHA loan** (`fha`): lender page, confidence 0.52, verified 2026-10-09. Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729

## About

Former US Army Airborne soldier with over 30 years of lending experience. Specializes in VA, FHA, conventional, reverse mortgages, equity lines, and strategic financing for first-time and experienced homeowners.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 30. Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO91750 | active | confirmed | 2021-07-21 | state_regulator | 2026-10-09 |
| GA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| NC | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| PA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |
| VA | state_license | n/a | listed_on_lender_site | lender_reported |  | lender_site | 2026-10-09 |

## Employment history

- ? to present: Loan Factory (NMLS 320841). Source: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450729

## Contact

- View profile at Loan Factory: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/450729
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_SZ_Monthly.zip
- lender_site: https://www.loanfactory.com/mortgage-expert/jeffrey-zack-zachow-450729

Cite as: Jeffrey "Zack" Zachow (NMLS 450729), Loan Factory. LenDb.ai, https://lendb.ai/lo/jeffrey-zachow-450729, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._