Tim Z loans | Tim Zielonka, NMLS#:2496205

Services We Offer

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Ready To Get Pre-Approved ?

We're here to help you to get the best deal in the market

Get Started

Tim Zielonka (Tim Z)

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

Providing superior service and dedication to each client is my forte. With technology, an in-depth understanding of real estate & mortgage financing, and exceptional negotiation skills, I work tirelessly to achieve the best results for my clients. I am well-versed in the intricacies of the Chicagoland real estate market in 6 counties. I confidently provide clients with the information they need to make smart decisions, whether they are first-time homebuyers or seasoned investors. My extensive knowledge and experience in residential and commercial real estate, as well as property rehab and real estate development, give me the confidence to deliver outstanding results in every real estate transaction.

Phone: (773) 789-7349

NMLS#: 2496205

License: IL

Spoken Language: English

If we can't beat another offer, you'll receive $1,000.

(Texas, Colorado, California, Georgia, Arizona, Florida, Illinois, Virginia, Kentucky, Minnesota and Wisconsin properties only)

Terms and conditions

Why are our rates so low?

1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 199 lenders in real-time for you.
2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.