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About Me

Loan Officer · NMLS 1696955
I’m a licensed Mortgage Loan Officer because I love helping people. At New Millennium Mortgage, I have the ability to help homebuyers and homeowners in Indiana and Illinois. We’re a full-service lender that provides a wide variety of loan options including Conventional, FHA, VA, USDA, and Jumbo loan programs. I value building strong client relationships while simplifying the mortgage process for the borrower to make their experience stress free and enjoyable. It is my goal to focus on each borrower's individual needs and ensure that they get approved for the loan that is the BEST fit for them.

My Location

New Millennium 10 Pointe Drive, Suite 330, Brea, CA 92821

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Zachary Prairie's
OVERALL RATING

5.0/5.0   Total 165 reviews

  • "Zach was..."

    Zach was wonderful. He was so patient and very good at explaining things in simple terms. He was super organized and always available if we had questions. I would highly recommend Zach to any family and friends! Thanks for the great experience!

    Abigail M DeJong

  • "First time..."

    First time homebuyer that got the runaround from other lenders. Zach made the whole process smooth, quick, and extremely easy.

    Jared Young

  • "Zach always..."

    Zach always answered any questions I had right away and made everything so easy. He was always available! I have already told other people about how great he was at helping me buy my first home and that he could help them also!

    Felicia LaCosse

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Top Stories

Setting Up Utilities before You Move

May 11, 2021

Of all the details you are tasked with when moving to a new home, few are more important than hooking up your utilities. Setting up your electrical, natural gas, water, and sewer, cable, and internet, as well as trash pick-up, sounds daunting at first since you have to know where to go for each one. First, determine who your providers are. Your Realtor or landlord should be able to provide a list, or you can go online to see who services your area. Often you'll have one provider option for utilities like electricity, natural gas, water and sewer, and trash pick-up, and multiple options for internet and cable. Once you know who your providers will be, you can get in touch (do this around two weeks out). Suppose you already have utilities set up in your current home. In that case, you're going to need to either transfer your existing utilities or cancel your existing utilities and set up new ones. If you're starting from scratch, you'll need to set up new ones. Once you've got all this going on, you're not yet out of the utility woods since there is always the possibility of errors when you're transferring, canceling, or setting up utilities. For that reason, it's a good idea to verify that everything went through as it was supposed to, especially since you don't want to end up with a bill for utilities that you thought were shut off. As for those automatic payments, it's wise not to set it and forget it. It's always a smart move to double-check that everything is correct from time to time. It's best to start doing your utility shuffle at least two weeks before your move date.

A Healthy Spring Cleaning

Mar 05, 2021

Maintaining a healthy home goes beyond your usual spring cleaning, it’s important to check up on your house. Make sure that smoke detectors are working, and provide the right maintenance to welcome a new season and get ready for the seasons after it. Replace all filters including water, range hood and air vent filters. You should replace these filters every 3-6 months depending on the type of filter you have. Unscrew the faucet aerators, sink sprayers and showerheads, and soak them in equal parts vinegar and water solution. Let them soak for an hour, then rinse with warm water. A clogged dryer vent can be a fire hazard. To clean it, disconnect the vent from the back of the machine and use a dryer vent brush to remove lint. Outside your house, remove the dryer vent cover and use the brush to remove lint from the other end of the vent line. Make sure the vent cover flap moves freely. A house with a crawl space has vents along the foundation walls. The vents provide air circulation that helps prevent excess moisture and mold growth, and they prevent critters from taking up residence underneath your home. The screens collect leaves and other debris from fall and winter. Spring is a great time to clean them out and check for damage. You can't have a successful garden without good soil. It’s time to update your soil and perhaps throw some mulch down as well. Finally show your patio space some love by cleaning off outdoor furniture and making sure your grill is clean before you fire it up. Enjoy your fresh start this spring!

Avoid These IRS Tax Scams

Feb 03, 2021

Tax season has begun, but it's essential to remain vigilant of these scams that could cost you. First, we have the different types of scams that are currently happening. 1. 'You need to pay a small fee to get your stimulus check.' This is a growing scam related to the government's ongoing response to the coronavirus, the Federal Trade Commission warns. Many Americans will qualify for a stimulus check, but the government (including the IRS) does not require anyone to pay anything to receive the money. 2. 'We're calling to tell you your identity was stolen; you need to buy some gift cards to fix it.' In this trick, a criminal calls the victim and poses as an IRS agent. The criminal claims the victim's identity has been stolen and used to open fake bank accounts. The caller then tells the taxpayer to buy certain gift cards; later, the crook gets back in touch and asks for the gift card access numbers. 3. 'We'll cancel your Social Security number.' "If taxpayers receive a call threatening to suspend their SSN for an unpaid tax bill, they should just hang up," the IRS says. 4 'This is the Bureau of Tax Enforcement, and we're putting a lien or levy on your assets' There is no Bureau of Tax Enforcement. Victims often receive a letter from the fake agency claiming that they have a tax lien or tax levy and better pay the "Bureau of Tax Enforcement." 5. 'You owe the Federal Student Tax.' There is no federal student tax. Finally, we have a list of red flags that let you know it could be a tax scam. They're calling you first. The IRS contacts taxpayers by mail first; it doesn't initiate contact via a random phone call. They're leaving a prerecorded voice mail. The IRS doesn't leave prerecorded, urgent or threatening voicemails. They're emailing you. The IRS doesn't initiate contact with taxpayers by email to request personal or financial information. They're texting you. The IRS doesn't initiate contact with taxpayers by text message to request personal or financial information. They're contacting you via social media. The IRS doesn't initiate contact with taxpayers on social media channels to request personal or financial information. They're asking for a credit card or debit card number over the phone. The IRS doesn't do that. If you have additional questions or would like to read more about possible tax scams, you can visit https://www.irs.gov/newsroom/tax-scams-consumer-alerts You can also report possible scams by reporting them to the Treasury Inspector General for Tax Administration (TIGTA) online or calling TIGTA at 1-800-366-4484.