Mark Zacharczyk

Vice President of Mortgage Lending
4000 Route 66, Ste 123A, Tinton Falls, NJ 07753
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NMLS: 142609
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Mark and Jan were over the top wonderful. We are first time home buyers and they helped us every step of the way. We can't thank them enough. We will most definitely be telling our friends about them!

Allison R. -Middletown, NJ | JUL 2016

Mark made the process very easy. He went above and beyond to satisfy me. He was very pleasurable to work with and I would certainly do it again.

Diana M.-Lincroft, NJ | MAY 2016

Mark was amazing at helping us thru the entire process and everything else we had to go thru. Completely happy in all that he did for me and family.

Albert K - Staten Island, NY | Feb. 2016

Mark Zacharczyk made the whole experience very pleasant and was available throughout the day.

Vannessa C. - Howell, NJ | 11/20/2014

Mark was great. As a first time home buyer, he answered all of my questions no matter how minuscule they were. He was also very attentive to reaching out to me and getting back to any communications I had.

Constance R. -- Red Bank, NJ 4/14/2014

"I'm a teacher and I start school soon and I needed time to get ready. Marc and his team really AMAZING! Because of them we were able to close two weeks early,got a great rate and closed two weeks early!I had the time I needed for school. Marc was always easy to talk to and explained what I didn't understand. Thanks Guaranteed Rate and everyone who helped!"

Rhiannon M. -- Red Bank, NJ. -- 8/ 2013

Mark always seems to go that extra mile for his clients. I don't believe he knows the meaning of "No" and will continue to work for his client until he get's them the "Yes" he is looking for.

Bob T., Realtor

I have worked with Mark on at least two transactions and he as always been thorough and professional, I highly recommend Mark if you are buying or refinancing your home!

Ryan Z.

Mark was recommended by a friend when I bought my condo last year. The rates he provided were very competitive and the whole mortgage process went very smoothly. I had a lot of questions and he was always very helpful and honest in his answers. I am very happy with the work he did.

Tove F.

Mark was extremely efficient in handling our mortgage loan. He paid meticulous attention to every detail right through to completion. We were pleased with Mark's professionalism not only as an advisor but also as an advocate. I highly recommend Mark Zacharczyk.

Mary E.

I have had my loan refinanced twice by Mark Zacharczyk. Each time, Mark helped to secure a lower refinance rate for me. On both occasions Mark displayed a manner of professionalism. He was through in all aspects of the transactions. Mark was extremely organized and worked well with all other parties involved in seeing that all business aspects took place in a timely manner. He always showed that he genuinely cared and had my best interest at heart.

Kathleen C.

Mark made my first home purchase a pleasurable and easy to understand experience.

Todd C.

Everything went very smoothly. Without a doubt I would recommend Mark again. I am referring my daughter and son-in-law.

Pat K.

Mark helped me with two refi's. Always professional, energetic, honest, and the best rate.

Randall C.

If you want a fast paced, stress free, thorough mortgage, give this guy the job. Mark was in constant contact with us from beginning to end, and we seemed to be one step ahead of the process until we had our keys in our hand. Give Mark a call you will not regret it!

Matt F.

Mark is a remarkable professional who I have had the pleasure to work with since 2006. He is extremly knowledgable and up to date on the current market changes. He always provides thorough information and is very patient with answering questions and easing concerns. He respects his clients and always puts them first. I am grateful to have Mark as my broker and have and will continue to recommend him in the future.

Donald D.

I have used Mark's services recently when a buyer was under serious time constraints to obtain a mortgage. He was professional, knowledgable and most importantly quick to respond. Also, he was quick to get the job done as well. I would recommend him to anyone looking to obtain a mortgage or refinance their home. Mark is now my first choice when my clients ask if I can recommend a good mortgage representative.

Jim M., Realtor

Mark is an exceptional mortgage broker who is dedicated to ensuring that he secures the most competitive rates possible for his clients. He will always make time to address and resolve any questions or concerns his clients may have. I recommend him to anyone and everyone I know personally, he is a class act and his dedication is unparalleled.

Carl G.

Mark was the great to work with. He was the first guy in two years that actually got the job done on our refinance. We can't thank him enough for his time and dedication to getting this done.

Matthew C.

My wife and I have been dealing with Mark for over 8 years now and we couldn't be happier. He has helped us refinance our mortgage twice and each time gave us his personal attention throughout the whole process. He has always recommended other options that he felt would suit us better if he thought we could get a better deal. We enjoy working with Mark because we feel that he always has our best interest in mind. We highly recommend Mark as an informed, knowledgeable, professional who truly...

Edward P.

I wanted to thank you for all of your help through the home buying process. Since this is the first time we have bought a house, it was a bit scary initially not knowing how the process worked, or what to expect. It made me a lot more comfortable knowing that you were always there to clarify things for me, and explain exactly why we were signing documents or paying for certain things. It was nice to have someone that was always accessible, and genuinely cared. I have heard stories from other...


My wife and I just bought a home and owe Mark a big thank you. This was our first home purchase and he guided us through the process every step of the way. When I first contacted Mark, he was honest with me and explained in detail what I would have to do get this home. After just 2 short months we closed on our dream home and I can't thank Mark enough for his help. I was told that buying a home is often very stressful but having Mark as my Mortgage broker eliminated any stress. He is a problem...

Doug B.

About Mark

I got into the mortgage business in 2002 because my brother, Lee, was looking for someone to help out during a refinance boom and I was looking to get out of my high-stress job in NYC trading options. Immediately, I was hooked! I love talking to people and helping them through what they think is a stressful process, and surprising them with its simplicity. My strength is the way I communicate with my borrowers to their level, listening first intently on what their goals and desires are. I would describe my approach as casual, friendly, matter-of-fact, and empathetic.

I graduated Cum Laude from SUNY Albany business school in 2000 where I was also captain of the baseball team, and was the winning pitcher in the University's first ever Division I win vs. UNC Charlotte. It's that competitive fire that I've always had that drives me to be the best in whatever I do...and then do more. I founded a charity in 2013 that married my passions for helping children with illness with my favorite time of year. The Believe Project delivers Christmas Magic and Holiday Cheer to children who need it most and I consider myself incredibly blessed to have been the founder. Simply Google the name of the charity to learn more.

I grew up in Monroe, NY, the youngest of four children. I now reside with my wife, Dana, and my two handsome boys in Wayside, NJ. I love Monmouth County and wouldn't want to live anywhere else in NJ. From the beaches to the schools to the restaurants, and of course, NYC and Atlantic City just about an hour away, it's the perfect place to raise a family while having a great time!

Mark interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I started in the mortgage business in 2002 as a stable way to earn a living while also helping people. I am definitely a people person.
Who is your typical customer and what questions do they typically have?
My customers range from first-time buyers to homebuyers in an affluent "Two River" town, like Rumson or Fair Haven (since our Jumbo rates are notoriously low). Most of my business comes through referral so most of my incoming prospects let me take the lead and let me explain the process in my simple & understandable way. Usually, when I'm through, believe it or not, their questions were answered!
What specific steps do you use to help your customers find the best home loan for them?
First, I send my clients to our awesome Digital Mortgage! This is a huge time saver for both of us, and it is a fast and easy way to get me the information I need to better understand what the situation is and where to start with the conversation. I always call them upon receiving the application to my system to polish things up and I use that call to get us on the same page by perhaps digging deeper on unique circumstances and having a discussion that will ultimately prevent us from having any issues along the way. I take a lot of pride in my ability to be thorough, and ask the right questions to ensure a smooth process.
How long have you been in the mortgage business? What awards have you won?
I have been in the business for a long time, earning President's Club awards (2010), Five Star Professional award (2015), and "Best of Monmouth" awards (2014 & 2015). I truly care about my clients and then they become my friends...and then my friends nominate me for these awards! It's really a great job!
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The 30-year mortgage is a very "safe" loan product, but not always the best choice. Most people are in a new mortgage within 6 - 7 years of closing, yet the majority of applicants prefer the 30-year fixed. They want to know that if they do stay in the mortgage long-term, that they are going to always know what their payment will be. Interestingly enough, you don't know what your income is going to be either. Most people's income rises over time, as they climb the company ladder, and build their book of business or their experience and value to their firm. So, on a 7-year ARM for example, even if the rate rises after 84 months in the mortgage, the loan balance is lower which reduces the impact of a higher rate, and your income is higher. Furthermore, refinancing is always an option. So, the lower % on the ARM can be very nice savings for that first seven years, and then you can parlay that savings into investments or into paying the loan down further, and keep the future payments down (on the same mortgage or a new one). That being said, I never push product. I want my clients to sleep at night & be happy with their decision!
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I worked for six weeks on a condominium approval. No other lender was lending in the complex and I was determined to make it happen. After a lot of time, effort, and energy, the client was thrilled with my work and so was the agent. Although it was difficult, I think even I learned about how talented I am at finding a way to get a deal done when everyone else can't do it.
What advice would you give new or first time home buyers?
Prepare and plan. I would tell ANY home buyer to talk to a mortgage professional and discuss the financing process and your situation at least six months prior to application. When you have just a little time like that to sew up loose ends in your credit profile, or save a little more $, it can save you thousands of dollars through more favorable loan terms. It also is a great way to mentally prepare yourself for what you are going to need and get acquainted with the processes.
Tell us about a mortgage product that consumers may not be aware of?
Our "Make It Yours" product is tremendous and under-used. It's a renovation loan product that allows you to buy a home that you may not think is perfect, yet is in the perfect location! This product allows you to finance the renovation work into the mortgage! It is really a great product and I am fortunate to work in the same office as the National head of our Renovation Department for the entire company. We have a great team that really can make a house into the perfect home for our clients!
How has the mortgage industry changed since you started, and what would you expect in the future?
This business has gotten much tougher for people to become loan originators. The regulations and rules and guidelines are not only way more intense than they were when I started, but they are ever-changing! For me, however, I feel very fortunate to work for a company that pushes me to be a better loan officer and has an incredible training platform to keep me up to date on all of the changes and make me an absolute professional. I am proud to say that although it's a tougher business, I have become so proficient at it and I'm a much better loan officer than I ever was before! It's a big reason why I am even more gratified each time I make someone's home buying experience a great one!
What can borrowers do to insure a smooth mortgage underwriting process?
Borrowers can ensure a smooth underwriting process by getting me all of the paperwork I ask for within 24 hours of me asking for it. The faster they work, the faster potential problems can be identified and workarounds can be executed. I just took an application yesterday, and the client is fabulous. He sent me 24 different documents, which I've already reviewed, and was able to diagnose a problem with a large deposit from a bank account he should not be using for the transaction. We've already remedied the issue and I can confidently tell him how great everything looks!
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am the President and Founder of a 501(c)3 charity, The Believe Project. Our mission is "Delivering Christmas Magic and Holiday Cheer to children who need it most." I couldn't possibly tell you all of the things we have done thus far, but can happily refer you to the home page where you can learn more about the organization and even make a donation! Visit
Tell us something that makes you unique or something wacky, yet interesting about you?
I am a sports fanatic. I was a three-sport athlete growing up (soccer, baseball, and basketball). I played baseball in college, but soccer was always my passion, and now I am having so much fun playing soccer with my sons, Aidan and Keegan, and watching them go nuts for it! I am also very talented at Karaoke. My best songs are actually Muppets (The Swedish Chef's "The Wanderer") or Cartoon Characters (Olaf's "In Summer"). I have no idea why, I'm so good at it, but it's pretty hilarious.

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