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Zach Gilbert

San Jose, CA

NMLS# 2081185

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1 year mortgage | 18 years real estate broker

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 Jones School of Real Estate

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CA (DRE # 02113316), CO 

Rated 5 out of 5
7 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
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
Rated 5 out of 5
March 4, 2021

My refi with selfi was quick and easy. On top of that Zach is the man! He’s well educated, responsive and kind. I would recommend any of my friends/family work with him.
Aside from Zach being awesome, selfi offered low rates and low fee’s and I shopped around quite a bit.

Tom Reichert
Rated 5 out of 5
February 23, 2021

I just closed on a cash-out refinance with SELFi and Mortgage Coach Zach Gilbert. Zach was incredibly helpful, professional and kind. I was able to lock on a rate that was unimaginably low and the process was astonishingly fast. Thank you SELFi and thank you Zach!

Elisa Pace
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