About Zach Reece

My Story

A Legacy Built on Trust

The mortgage industry runs in the Reece family. Zach grew up watching his parent navigate the complex world of home lending — helping families secure the financing that turned a house into a home. From a young age, he understood that a mortgage isn't just a financial transaction; it's one of the most important decisions a family will ever make.

After earning his Colorado MLO license, Zach joined TLO Home Loans with a mission: bring the same level of personal care and expertise his family built a reputation on, to an entirely new generation of Colorado homebuyers. Today, he's doing exactly that — from the suburbs of Denver and Colorado Springs to the ski towns of Summit County and the Western Slope.

Why Work with Zach?

In a world of online lenders and automated systems, Zach offers something rare: a real person who picks up the phone, knows your name, and actually cares about getting you to closing. He's not processing loans — he's helping families change their lives.

His approach is built on three pillars:

• 1
  Radical Transparency — No surprise fees, no bait-and-switch rates. You'll always know exactly what you're getting and why.
• 2
  Colorado Expertise — From mountain properties with well/septic to urban condos with HOA restrictions, Zach knows the Colorado market inside and out.
• 3
  Life-First Thinking — The best loan isn't always the one with the lowest rate. Zach takes time to understand your goals before recommending any program.

TLO Home Loans

Zach is proud to operate under the TLO Home Loans brand — a company built on the same values of transparency, local expertise, and genuine client advocacy. TLO Home Loans offers access to a wide network of lenders and loan products, giving Zach the flexibility to find truly competitive solutions across all nine of his core loan programs.

Whether you're buying your first home, refinancing to tap equity, or building your dream mountain cabin from the ground up, TLO Home Loans and Zach Reece have a path to get you there.

Beyond the Numbers

When Zach isn't helping clients close, you'll find him standing knee-deep in a Colorado river with a fly rod in hand. He runs the "Loans on the Fly" blog, where he draws parallels between his love of fly fishing and the patience, precision, and perspective required to navigate the mortgage world. He believes the best decisions — whether on the water or at the closing table — come from staying calm, reading the conditions, and trusting the process.