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Zach Gemmill

Zach Gemmill

Mortgage Loan Originator [email protected] nmls#1144365
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Zach Gemmill is a Mortgage Loan Originator with Neighborhood Loans in Nevada, bringing over a decade of experience in the mortgage industry. Since starting his career in 2012, Zach has built his reputation on helping clients—especially first-time homebuyers—achieve homeownership when they once believed it wasn’t possible. He thrives on being part of those life-changing moments and takes pride in guiding borrowers through one of the biggest financial decisions they’ll ever make. Over the years, Zach has earned President’s Club recognition multiple times, a reflection of the trust his clients place in him, and he also channels his creativity into a golf brand he launched with close friends. Known for his accessibility, clear communication, and strong problem-solving skills, Zach is the kind of loan officer clients know they can count on. If there’s a path to making a deal work, he’ll find it—while keeping the process transparent, straightforward, and empowering from start to finish. Driven by the desire to create a better life for his family, Zach continues to raise the bar for himself as he grows his own book of business and works toward building a team of loan officers. With a commitment to integrity, honesty, and consistent effort, his goal is not only to help families achieve homeownership, but also to mentor others and pay forward everything he’s learned throughout his career.

Here's how we do things

Apply Online
Get
Pre-Approved
Begin Home
Search
Loan Submitted
to Processing
Clear to Close!
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Our five-step mortgage process starts by applying online and getting pre-approved within 24 hours. This will require you to provide us some basic financial and personal information. We will take that information and get back to you with a pre-approval letter.

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Getting pre-approved determines how much we are willing to lend, allowing you to shop for homes with confidence. Sellers will take your offer more seriously when you have a pre-approval from a lender. With this complete, you can now start your home search.

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Finding the right home takes time, there are many things you need to look for and work out with the sellers. Once you find the home you would like to purchase, make and offer, and come to an agreement with the seller, we will submit your loan to our processing team.

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This may seem far from simple for people, but Neighborhood Loans has you covered! The mortgage loan processor is the link between your loan officer and underwriter. We collect and verify all the documents necessary to prepare your loan. This is arguably the most important part of the loan process.

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After you’re cleared-to-close, we will schedule your closing and fund the loan on the day that is most convenient for you. After the final documents are signed, you will be given the keys to your new home! We look forward to helping you through our home buying process.