Zack Tolmie


Zack Tolmie has been passionate about personal finance from a young age. He started an “I Gotta Get a Car When I Turn 16” Fund when he was five, and was saving for college by the time he was eight. By working hard and saving aggressively, he graduated debt-free from New York University with a degree in both mathematics and economics. He brings the same zest for saving and financial know-how to his clients in the mortgage industry. What’s the best financial decision for them? What’s going to save them the most money in the long-run? The short-run? Most importantly, is it worth it?

Zack does the heavy lifting and makes the mortgage process as easy as possible. No two borrowers are exactly alike, and so Zack makes sure that he and they are as informed as possible for their specific situation. If there is a way to make it work, he’ll find it.

In his free time, Zack enjoys doing crosswords, hiking, swimming, and anything to do with the show ‘Survivor’.


Tel: 212 599 2666
E-Fax:855 433 3945
601 Lexington Avenue, 15th Floor
New York, NY 10022
NMLS Identifier: 761651


My wife and I are both British and most of our assets were in the UK. Despite the added complexity, Zack was extremely knowledgeable and supportive through the process. I’m not sure if we would be homeowners without his help so we are both extremely grateful to him.

Edward H.

Zack is first rate. We could not have succeeded without him. Everything was clearly explained; the entire process was quick and efficient.

Peter W.

Working with Zack made the process easy. Not only was he helpful but he went above and beyond what a broker would do. I highly recommend Guaranteed Rate and especially Zack.

Stephanie W.

Zack was amazing to work with and speak to. This was my first home purchase and I had so many questions. He was extremely patient with me, and always responded quickly, even on the weekend or at night. It seemed as if Zack anticipated my questions, and often reached out to me with answers before I even posed the questions. I was informed each step of the way what to expect and what was required of me. The team made everything so easy to follow. My loan officer was able to smoothly get me from a pre-approval and completed application through the loan approval and underwriting phases timely.

Victoria M.

Zack made it happen again for us! He is very thorough and professional with his work. Proactive and resourceful, he made us understand the savings involved in getting our home refinanced. He walked us through all the technicalities and it was obvious to us that this is the right choice. He was also very patient and answered all our endless questions! Pleasure to work with and we will certainly recommend him again.

Aditi J.

Thank you to Zack Tolmie, he truly helped to make this as painless as possible for us. He was professional and yet so kind and considerate with any questions that we had and accommodated us no matter what the time. [His team] was such a help with processing all our loan requirement papers and especially when we felt out of our comfort zone. They were there leading us along with such patience. And most of all, they all took the time to encourage us. My sincerest thank you!

Barbara P.