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Zach Gilbert

San Jose, CA

NMLS# 2081185

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2 year mortgage | 19 years real estate broker

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 Jones School of Real Estate

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CA (DRE # 02113316), CO 

Rated 4.8 out of 5
22 customer reviews
Very good0%


Zach has spent his entire career in the real estate and mortgage industry. He’s passionate about home ownership, personal finance, and helping others. Zach purchased his first home at the age of 20 and became an investor two years later. Since then, he has helped hundreds of clients buy, sell, and refinance their homes. Introduced to SELFi when comparison shopping for his own refinance, Zach was impressed with the exceptional interest rates, simplicity, and level of service. Fusing his love of real estate with SELFi’s mission of accelerating financial independence was an easy choice. Whether you’re refinancing your home, or looking to buy or sell one, Zach is your go-to real estate strategist.


Client Reviews

Rated 5 out of 5
May 4, 2022

Zach was great to work with and really helpful when it came to a complicated refinance situation. He was patient as I squeezed this in during an inconvenient time and wonderful with friendly reminders. He was crucial with helping me sort through all of the various scenarios and a great support while I considered the pros and cons of my options. He also made sure he knew the answers and researched it if he did not; I expect this, but it’s not as common as you would think.

Rated 5 out of 5
December 20, 2021

It was a phenomenal experience having Zach helped me with my house refinancing. He is excellent in responding emails and the best thing I liked about Zach is that he is not pushy like others who call you 10 times a day. Zach, you got me what I was expecting in terms of competitive rate and low monthly payment. I will definitely share your name with others in my friends circle. All the best and happy holidays.

Waseem Ahmed
Rated 5 out of 5
November 22, 2021

Zach helped me through a very difficult time and guided me along the way to save my home from defaulted property taxes. We worked together for nearly a year with several setbacks, but his determination and patience made it possible for this refinance to happen. Zach will not only help you with your mortgage but also educate you along the way so everyone is on the same page.

Chad chotia
Rated 5 out of 5
November 17, 2021

Out of 5 companies Zach and SELFi provided the best rate, the best cost and the shortest time to close.

Highly recommend Zach and the SELFi team.

Rated 5 out of 5
November 3, 2021

Zach was absolutely wonderful to work with on our recent refinance. He answered all of our numerous questions quickly and thoroughly. Excellent communication and very personable. We got great rate that we are very happy with. Also, the majority of the process was completed online, which made it very convenient for us. Highly recommend Zach and SELFi!

Lyndsey C.
Rated 5 out of 5
September 18, 2021

Thank you, Zach. It was my first re-fi on my own. you were always available to explain what i didn’t understand and you were incredibly patient. I was happy with our new lower interest rate and that we had multiple options .

Terry Aramendia
Rated 1 out of 5
September 10, 2021

So not professional! Don’t trust Zach. He just pushed me to order the Appraisal, and not even confirmed with the lender first. I paid the appraisal and the lender told me that my income is not enough. I couldn’t understand that someone would make such mistake.

Xingquan Dai

Response from SELFi

Xingquan, thank you for your feedback and I’m sorry we were unable to complete your refinance. We strive to close loans on-time and will do a better job educating homeowners about the changes to self-employed underwriting guidelines in response to the Covid-19 Pandemic.

Rated 5 out of 5
August 26, 2021

Great experience working with Zach. This was our third time refinancing with Selfi and every time it is seamless, quick, and saves us tons of money. Highly reccomend!

Hope Prate
Rated 5 out of 5
August 19, 2021

Just closed on two refis with Zach at Selfi. Zach Gilbert was super helpful, very communicative and supported us through the process. The process was super quick and almost entirely done online, other than the final closing signatures. Zach professional and patient throughout the process and will be recommending SelFi and Zach to family, friends and coworkers. Not to mention that the rates were great!

Gabriel Guenette
Rated 5 out of 5
June 28, 2021

I have done 4-5 refinances in the last 15 years, and this was by far the smoothest, easiest experience I’ve ever had. Zach was a pleasure to work with, was very knowledgeable and responsive, and made the whole process a breeze. I was able to do almost all of the signing and approvals online, with just a few in person signatures at the end. I highly recommend SELFi and Zach!

Aaron Gelter
Rated 5 out of 5
May 26, 2021

Our Refi with Selfi was excellent and Zach was amazing! We had tried to refi as “self-employed” before and we were given the run around so we came in very skeptical. Zach understood and answered all of our questions and concerns honestly, before we even took the dive into the refi process. He was clear, concise, heard what we were looking for, responded to any questions we had immediately! In fact, he made the deal even sweeter than what we had anticipated. I highly recommend Zach and Selfi to anyone looking to Refi.

Anika Paris
Rated 5 out of 5
May 17, 2021

This was the easiest refi my hubby and I have ever done. The online process itself with SELFi was dead simple, but it also came with a wonderful human–Zach. He was incredibly responsive, knowledgeable, low-key, proactive, always available by both phone and email. He got us a very good rate, and kept us informed every step of the way. If you’re thinking of using SELFi for a loan, go for it, and sign up with Zach. We highly, unreservedly recommend him. Thank you Zach!

B Chargin
Rated 5 out of 5
May 12, 2021

Zach was excellent. As a self-employed borrower, underwriting my mortgages has always been a bit more work than a typical W-2 employee. Zach was on top of the entire process, was quick to respond and answer questions, and was extremely professional even in the midst of challenges caused by my own mistakes. I look forward to working with Zach and SELFi again in the future.

Travis Austin
Rated 5 out of 5
May 7, 2021

ReFi in San Francisco, a Condo. We already had a good rate 2.99%. Through SelFi we were down to 1.75%. We figure over 10 years we are going to save about $15K. Anyway, Zach was very responsive to all of our messages and everything went smoothly. We are retired, so income and assets were complicated, but from my point of view we just sailed through it. Thanks Zach.

David Davidson
Rated 5 out of 5
April 20, 2021

This is my second refinance with SELFi. It’s always a pleasure and was a successful close each time. I highly recommend Zach. He is very personable, responsive, kind, and professional. Thank you many times over, Zach for the incredible professionalism you provided me and my family.

Lori B.
Rated 5 out of 5
March 23, 2021

My refi with SELFi was ridiculously so simple and straightforward, it was almost a non event. Zach was always available and kept me in the loop every step of the way. And yeah, he got me the best deal, too.

Rated 5 out of 5
March 23, 2021

I am self employed which really complicates the loan process, yet I refinanced 3 properties with Zach and he made it feel easy and seamless! He was easy to reach, always quick to respond and answered all of my questions thoroughly.

Rated 5 out of 5
March 9, 2021

Zach thank you so much for assisting with the refinance of my home.

Thanks for being quick to respond when I had I had questions. The fact that you were available on weekends and evenings when I was not at work was paramount. Other finance companies require an appointment that is likely 2 or 3 days out just to ask a quick question. Your experience and prompt responses really helped make this transition less stressful. After shopping around you offered the best rate. I appreciate your thoughtful guidance and listening to all my concerns and goals. There was a lot of technical terms and nuances involved and you answered all my questions. Looking forward to my next financing transaction since I know you will make it easier and less painful. Bravo and keep up all the hard work!

The rate you were able to secure for me has made a huge impact! I can’t thank Zach enough for his hard work on my loan. 5 stars just doesn’t do it justice. With the rate and credits he got me and the service he provided he gets an A+++ must use grade! Don’t hesitate to contact Zach for all your mortgage needs!

Steve McLaughlin
Rated 5 out of 5
March 8, 2021

Zach was great! He was very communicative both proactively and in response to our (many) questions. He helped us figure out some solutions after the process initiated that we didn’t anticipate to make the process smooth for us (appraisal wasn’t what we expected, not anything to do with Zach or Selfi). Additionally, we had challenges with the document upload software and Zach made sure that was easily and quickly mitigated. Would definitely recommend the company and Zach especially to make this process easy and super-efficient.

Vicky & Myrinda
Rated 5 out of 5
March 5, 2021

I have been a frequent visitor to for over a year now. I had refinanced mid last year from a diff mortgage company as their rates were better than SELFi offered at the time. Mid-February 2021, SELFi was offering essentially cash back based on loan costs/lender credits for a rate slightly lower than what I had. Zach from SELFi worked with me and it was one of the smoothest transactions as it pertains to mortgage loan process (original loan or a Refi) as I’m sure everyone is aware how painful it can be…anyhow we closed in about 13 days. Zach is very receptive, responsive and respectful. Very pleased with Zach, and just a pleasant experience overall!

Sujit K
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