Zack Rattray

Chula Vista, CA

NMLS 670184

Executive Loan Officer I

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(619) 405-9178
(619) 405-9178
With 20+ years in mortgage lending, I specialize in tailored financing - even for complex scenarios. I’m passionate about simplifying the process, staying ahead of industry trends, and delivering 5-star service with transparency, integrity, and 24/7 support to help you achieve your homeownership goals.

Zack's Reviews

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Siena Cowardin

September 26, 2025

Zack was amazing to work with! He was extremely helpful, always available for questions, and made the process so easy. We would recommend his services to anyone beginning the home buying process!

Audie Hudnell Jr.

September 26, 2025

Zach Can get the job done. He help me through a very hard time in my life and allow me to be able to take the next steps in my life by moving into a new home.

Meili Chen

August 16, 2025

Was able to help us achieve an early targeted closing date within three days of receiving the last funds in the escrow!

Michael Nguyen

August 16, 2025

You are wonderful loan expert. clearly everything and friendly helping me to get a loan quickly.

Rocket Mortgage, LLC; NMLS #3030; www.NMLSConsumerAccess.org. Equal Housing Lender. Licensed in 50 states. AL License No. MC 20979, Control No. 100152352. AR, TX: 1050 Woodward Ave., Detroit, MI 48226-1906, (888) 474-0404; AZ: 1 N. Central Ave., Ste. 2000, Phoenix, AZ 85004, Mortgage Banker License #BK-0902939; CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Residential Mortgage Licensee #11704; IL: Residential Mortgage Licensee #4127 – Dept. of Financial and Professional Regulation; KS: Licensed Mortgage Company MC.0025309; MA: Mortgage Lender License #ML 3030; ME: Supervised Lender License; MN: Not an offer for a rate lock agreement; MS: Licensed by the MS Dept. of Banking and Consumer Finance; NH: Licensed by the NH Banking Dept., #6743MB; NV: License #626; NJ: New Jersey – Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226, (888) 474-0404, Licensed by the N.J. Department of Banking and Insurance.; NY: Rocket Mortgage, LLC, 1050 Woodward Ave., Detroit, MI 48226 Licensed Mortgage Banker-NYS Department of Financial Services; OH: MB 850076; OR: License #ML-1387; PA: Licensed by the Dept. of Banking – License #21430; RI: Licensed Lender; WA: Consumer Loan Company License CL-3030.