Service areas
Mortgage lender in Cincinnati, across Ohio, and in California — where Zach lends.
Licensed in Ohio and California, based in Cincinnati, and working by phone, text and email at whatever pace the deal demands. Every page below is written for that market — its prices, its taxes, its programs — not a template with the city name swapped.
Ohio
Home base and the whole state
Cincinnati is where Zach lives and where most of his files start. Columbus, Cleveland and Dayton get the same attention — the license is statewide, and so is the lending.
Cincinnati
Home base. A P&G, Kroger, GE Aerospace and Cincinnati Children's economy with neighborhoods from Hyde Park and Oakley out to Mason, West Chester and Anderson Township — Zach knows which streets price like which.
Mortgage lender in Cincinnati → OhioColumbus
Ohio State, Nationwide and the Intel build in New Albany keep Columbus growing. Dublin, Westerville, Hilliard, Grove City and the Short North each need their own read on price and taxes.
Mortgage broker in Columbus → OhioCleveland
Cleveland Clinic country, with some of Ohio's most attainable prices. Lakewood, Westlake and Strongsville for the suburbs; Ohio City and Tremont for buyers who want to walk to dinner.
Mortgage broker in Cleveland → OhioDayton
An hour up I-75 from Cincinnati and anchored by Wright-Patterson Air Force Base — which means VA loans are a daily conversation in Kettering, Centerville, Beavercreek and Huber Heights.
Mortgage broker in Dayton →California
Licensed in California, too
Zach’s phone number still carries an LA area code for a reason. Five California metros, one hub page that explains how lending there differs from Ohio.
California
The hub page: how California lending differs from Ohio, from CalHFA assistance to jumbo limits, and which programs Zach writes there.
Mortgage lending across California → CaliforniaLos Angeles
Jumbo territory by default. Pasadena, Long Beach, Santa Clarita, Torrance and Burbank all sit above the conforming line, so structure matters more than rate-shopping.
Mortgage broker in Los Angeles → CaliforniaOrange County
Irvine, Anaheim, Huntington Beach, Costa Mesa and Mission Viejo — high-balance conforming and jumbo files for buyers who want a number they can trust before they write an offer.
Mortgage broker in Orange County → CaliforniaSan Diego
Chula Vista, Carlsbad, Escondido, La Jolla and North Park. A big military presence too, which makes VA one of the most useful programs in the county.
Mortgage broker in San Diego → CaliforniaSacramento
The capital region is where California buyers go when the coast stops penciling: Elk Grove, Roseville, Folsom and Natomas, often still inside conforming limits.
Mortgage broker in Sacramento → CaliforniaThe Bay Area
San Francisco, San Jose, Oakland, Fremont and Sunnyvale. Jumbo and high-balance files with tech income that doesn't always fit a W-2 box — exactly where a broker earns their keep.
Mortgage broker in the Bay Area →Licensing
Two states, and honest about the line
Licensed in Ohio and California only — Zach can’t lend in Kentucky or Indiana, and will say so on the first call rather than waste your week. Verify his license any time on NMLS Consumer Access (NMLS #2687902, Coast 2 Coast Mortgage NMLS #376205).
No pressure, no credit pull
Run your mortgage scenario by Zach.
Send the shape of it — what you’re buying, roughly what you earn, where you’re at. Zach reads every one personally and gets back to you the same day, nights and weekends included.
Nothing sensitive lives on this form: no Social Security number, no paperwork, and your credit isn’t touched until you say so. Equal Housing Opportunity. Zachary Bates, NMLS #2687902 · Coast 2 Coast Mortgage, NMLS #376205.