Zachery Adam

Zachery Adam

Branch Manager, Loan Officer
NMLS #667077
Office: 828-348-1943
Mobile: 828-242-4780
Serving in NC
Branch: Asheville

Meet Zachery

“GoPrime Mortgage will provide complete, inclusive mortgage solutions that are educational, transparent, honest and sincere.”

After graduating from the University of California, Santa Cruz with a major in Social Anthropology, Zachery began fundraising for his alma mater, eventually raising more than $2.4 million annually. At 24, he bought a house, a transaction that changed his life. Determined to make the process easier for other homebuyers, he began his career at a big bank in California.

After spending more than twenty-eight years in California, Zack and his family moved to Western North Carolina. With a desire to go out on his own in the mortgage industry, Zack opened GoPrime Mortgage, Inc. in West Asheville which has since grown to incorporate a fantastic team of local professionals.

Zack’s focus is on building community and he is on the board of several local organizations. He wants to bring skills directly to the public by being a part of the Asheville community and working with amazing people across the city.

It is important to Zack that he and his team are approachable and guide home buyers who are often inundated with misinformation about their financial picture and mortgage options. In an automated culture reliant on digital communication, it is time to bring the human element back into these conversations. Zack is committed to doing so.

Zack’s three children, two daughters and a son, are his top priority. He is happy to raise them in Asheville, North Carolina, a community-driven mountain town that treasures family values and an active outdoor adventure scene. He feels embraced by the entire Asheville community, including a network of amazing fathers and men who strive to be good role models for their children. Together, he and his kids enjoy hiking and biking and all manner of outdoor activities in the mountains surrounding Asheville.

Visit www.goprimenc.com to learn more about Zack and his branch, or if you are in California, visit www.goprimeca.com.

FAQs

Common Questions For Zachery

Do I need a 20% Down Payment?

Down payment amounts are one of the most commonly frequently asked questions regarding mortgages. While banks often require a significant down payment when applying for a mortgage, certain types of loans and specific government programs can reduce the amount you need (even to zero dollars down), especially if you’re a first-time homebuyer or a veteran. Talk to an independent mortgage lender before starting to look for a house.

What's the difference between an APR and the interest rate?

The APR, which stands for the Annual Percentage Rate, refers to the total yearly cost to you, which encompasses the interest and fees you pay over the life of the loan. The interest rate is simply the interest percentage on the principal amount of money you are borrowing. So while the interest rate may seem enticing, the APR — what you pay — is always going to be more.

Should I get a fixed-rate mortgage or an adjustable rate mortgage?

The most common mortgages will have a set duration (say, 30 years) and a fixed rate (an interest rate that stays the same for the life of the loan). Before just playing follow the leader, consider sitting down with me and my team to find a mortgage loan that fits your financial resources and your ability to repay the loan. An adjustable-rate mortgage (ARM) can save money for some people, but they are not for everyone. I will personally work with you to match your needs to a mortgage.

Are there additional costs besides the primary mortgage that I'll have to budget for?

This is a vital question often gets overlooked – you do have other costs to consider when buying a house. For example, mortgage lenders require that you carry adequate homeowners insurance. You also need to determine how much property tax you will owe, which usually is paid monthly with your mortgage payment.

How long do I have to work at the same job before buying a house?

While it used to be standard procedure for mortgage lenders to require at lest two years of employment, that not always the case anymore. Lenders still want to verify a stable income, but there are other factors to review, such as your debt-to-income ratio. Compare the requirements of your bank’s mortgage department with an independent mortgage lender to see who may be a fit for you.

Is now a good time to buy a house?

This is one of the most popular frequently asked questions regarding mortgages. The answer  constantly changes, and largely is based not just on the market and location, but also on your unique situation. Before you decide if you’re ready to buy a house, ask yourself these questions:

• Have you saved money toward a down payment?

• Are you a veteran or eligible for other assistance?

• Is your income stable and your credit score high enough?

• Do you understand the responsibilities that come with homeownership?

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What Clients Are Saying

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