Zach Reece
2nd Generation Mortgage Specialist
TLO Home Loans • Colorado Licensed MLO
NMLS# 1652183
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About Zach Reece
Growing up in a family deeply rooted in the mortgage industry, Zach Reece brings a rare combination of inherited expertise and genuine passion to every client he serves. As a 2nd Generation Mortgage Specialist at TLO Home Loans, Zach has spent his career mastering the Colorado housing market — from the Front Range suburbs to remote mountain communities.
Whether you're a first-time buyer navigating the process for the very first time, a veteran utilizing your hard-earned VA benefits, or a seasoned investor expanding your real estate portfolio, Zach's approach is always the same: straightforward advice, transparent communication, and a commitment to finding the loan that truly fits your life.
2nd Generation Mortgage Specialist at TLO Home Loans, serving Colorado buyers from the mountains to the plains.
Learn More About ZachFind the Right Loan for You
Your New Home Starts Here
Whether you're buying your first home or your fifth, Zach guides you through every step — from pre-approval to closing — with clarity and confidence. Access competitive rates on conventional, FHA, and jumbo purchase loans tailored to Colorado's unique market.
Honoring Those Who Served
Veterans and active-duty military deserve the best. VA loans offer $0 down, no PMI, and competitive interest rates — and Zach specializes in navigating the VA loan process from certificate of eligibility to clear to close. You've earned this benefit; let's use it.
Rural & Suburban Homebuying Made Affordable
USDA loans offer 100% financing for eligible rural and suburban properties — perfect for Colorado's mountain towns and surrounding communities. No down payment required for qualified borrowers in eligible areas.
Starting Your Homeownership Journey
Buying your first home is one of life's biggest milestones. Zach makes the process approachable, connecting first-time buyers with Colorado down payment assistance programs, FHA loans, and plain-English explanations every step of the way.
Put Your Home's Equity to Work
Whether you want to lower your rate, shorten your term, or tap into equity for home improvements or debt consolidation, a refinance can be a powerful financial move. Zach analyzes your situation and identifies the strategy that maximizes your benefit.
Grow Your Investment Portfolio
DSCR (Debt Service Coverage Ratio) loans let your rental property income do the qualifying — no personal income verification required. Ideal for investors building long-term wealth through Colorado real estate, from short-term rentals to multi-family.
Secure Your Piece of Colorado
Dreaming of owning a piece of Colorado? Land loans help you purchase raw or improved land for future construction or long-term investment. Zach works with lenders who understand Colorado's diverse and competitive land market.
Build Your Dream Home
Construction loans fund the building process and often convert to a permanent mortgage upon completion. Zach helps you navigate draw schedules, builder requirements, and financing timelines for a smooth, stress-free build experience.
Repair Your Credit, Reach Your Goals
Bad credit doesn't mean no options — it means a roadmap. Zach connects clients with trusted credit repair resources and creates a personalized plan to mortgage-readiness, because every Coloradan deserves the chance to own a home.
Flexible Financing for More Buyers
FHA loans offer lower down payment options and more flexible qualifying standards, making homeownership more accessible for first-time buyers and borrowers rebuilding credit.
Buy Before You Sell
Bridge financing helps homeowners tap existing equity to purchase their next property before the current home sells, reducing timing pressure in competitive markets.
Financing for High-Value Properties
Jumbo loans are designed for homes above conforming loan limits and are ideal for luxury or high-cost properties throughout Colorado's premium neighborhoods and resort areas.
A Popular Path to Homeownership
Conventional loans offer competitive rates and flexible terms for qualified borrowers, with options for both first-time and repeat buyers looking for low-down-payment solutions.
Alternative Documentation Solutions
I-10 loans provide financing options for borrowers who may not fit traditional documentation guidelines, helping self-employed and non-traditional income clients secure a mortgage path.
Use Your Equity on Your Terms
A Home Equity Line of Credit gives you revolving access to your home's equity for renovations, debt consolidation, or major expenses while keeping payment flexibility.
Retirement Flexibility for Homeowners 62+
Reverse mortgages allow eligible homeowners to convert home equity into usable funds while remaining in the home, supporting retirement cash-flow and long-term planning goals.
Options When Credit Is Challenging
Bad credit loans are built for borrowers who need more flexible guidelines. Zach helps you explore practical paths to approval while building a plan to improve your long-term mortgage options.
What Our Clients Say
Colorado homebuyers and homeowners share their experience working with Zach and the TLO Home Loans team.
“As a first-time buyer, I had a lot of questions. Zach walked us through every step, kept us updated, and made sure we understood our options before we signed anything. We closed on time and felt supported the whole way.”
“We refinanced during a busy market and expected headaches. Instead we got clear communication, quick responses, and a straightforward process from application to closing. Highly recommend TLO Home Loans.”
“Professional, responsive, and detail-oriented. Zach coordinated with our agent and kept the file moving when deadlines got tight. It’s the kind of lender partnership you want on a Colorado purchase.”
Know Before You Close
Empowering Colorado homebuyers with plain-English guides to every step of the mortgage process.
Understanding Your Fee Sheet
Loan estimates can feel like a foreign language. Learn what each line item means and how to compare lender offers side by side like a pro.
Learn MoreWhat Are Initial Disclosures?
When you apply for a mortgage, you receive a stack of disclosures within days. Here's what each document means and what to review carefully before signing.
Learn MoreThe Mortgage Process Explained
From pre-approval letter to keys in hand — a clear, step-by-step walkthrough of the Colorado homebuying journey, plain and simple.
Learn MoreThe Blog
What Fly Fishing Taught Me About Patience in the Mortgage Process
Both require reading the conditions, staying calm, and trusting the process. Here's what standing in a river taught me about helping clients close.
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Why Colorado Mountain Properties Need a Specialist
Mountain real estate comes with unique financing challenges — from well and septic inspections to elevation requirements. Here's why local expertise matters.
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Understanding Buydowns: Temporary vs Permanent
A 2-1 buydown can save you thousands in the first years of your loan. Learn exactly how buydowns work and when they make sense for your situation.
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