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Loan Advisor

Zach Griffin

NMLS #295438 | CalBRE #00844040

Loan Advisor • Oakland Branch

Phone: 510.339.4300 x117
Fax: 855.549.8724
Licensed in CA 

About Zach


Zach has distinguished himself as a true professional in the mortgage industry. He brings a wealth of knowledge, experience and creativity to the loan process. This allows him to accurately assess each borrower’s unique needs and put together the best loan program for their situation. As real estate loans have grown increasingly complex, he helps navigate his clients through all the financial intricacies. Zach will be your advocate through the whole loan process.

A Bay Area native, Zach graduated with honors from UC Berkeley in 1985 with a bachelor’s degree in Economics, and has remained in the East Bay ever since. He began his career in the finance industry in 1987 originating loans at San Francisco-based banks. In 1995 he relocated his business to Montclair. Zach lives in the Rockridge area of Oakland with his wife and three children. He is an active member of the Lake Merritt Breakfast Club and has been involved with coaching and umpiring in North Oakland/South Oakland Little League. He enjoys skiing, baseball, running, and weight training.

In the News
Zach Griffin… broker/banker of the month!

Zach’s Vision
My commitments are to help you obtain the loan best suited to your needs, and to close your escrow on time. I want to be your partner and advocate in this increasingly complex process. I will find solutions to unexpected challenges. My goal with every transaction is to make the loan process “worry free” for you!


Branch Address: 
6201 Antioch Street, Suite 200 Oakland, CA 94611

What our customers are saying...

Thanks for going the extra mile for us in setting up our new home financing. We appreciated your expertise, professionalism, and friendly “can do” attitude! We love our new place and appreciate all that you did to make our financing possible. You can expect lots of referrals from us!

Lisa, Dana, and Jack S

Thank you for your cheerful and never-ending support – and for helping us with all our “last minute” needs and requests. You have been an integral part of making our dream a reality – and our reality today is that we are living a dream. We love our home. I can’t say enough about your professionalism and how thankful we are to have been able to work with you.

Diane and Kelli

Thanks for all your help with the refinance of our Berkeley home. You were incredibly helpful and patient every step of the way. What at one time seemed beyond our reach became real on Friday, and your expertise played a big part. It was a pleasure working with you, and we’ll be sure to refer friends and colleagues to you.

Holly and Bruce W.

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Is Right For Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide which mortgage is right for you.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer will be the most attractive in a competitive market. Keys on Time Guarantee With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and List Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion Investor Advantage gives you the most purchasing power in the market today for investment properties. Investor Advantage If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing

Home Buyer Blog