The Rattray Lending Team is here for you every step of the way!


Zack Rattray

Senior Loan Officer

NMLS ID# 670184

A:
1808 Aston Avenue
Suite 200A
Carlsbad, CA 92014

With over 20 years of experience in mortgage lending, Zack specializes in providing tailored financing solutions for even the most complex situations. He stays at the forefront of industry trends, lending technology, and cutting-edge marketing strategies to serve as a valuable resource for both homeowners and real estate agents.

Zack is committed to transparency, integrity, and exceptional service. He takes pride in simplifying the loan process, ensuring his clients feel confident and informed every step of the way.

When he's not working, Zack enjoys traveling with his family of six and exploring new food destinations in San Diego and beyond. He’s also rediscovering his passion for tennis, spending quality time on the court with his six-year-old daughter who’s recently taken up the sport.

Supported by a dedicated and seasoned team, Zack is ready to help you achieve your homeownership dreams. His "5-Star Service" promise includes around-the-clock support to ensure your experience is nothing short of exceptional.

Licensed in CA

When looking for a TOP MORTGAGE LENDING PROFESSIONAL:
Over 20 years of mortgage lending expertise
4.89 Customer Satisfaction Score (Experience.com)

Loan Calculators


Use the calculator links below to help plan your home purchase or refinance.

Please note, the results are only estimates. Talk to your Loan Officer to get an official figure. We're here to get you home.

Built on family and forward-thinking


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