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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 120 reviews

  • "Most of the..."

    Most of the communication with Zachary was done online, which is great. He was always available if we needed to call as well. His answers were always prompt and thorough. He walked us through the process and explained everything along the way. We would use him again in a heartbeat and will recommend him to everyone we know!

    Jeremy Lindemer

  • "Zach is always..."

    Zach is always wonderful to work with! He always goes above and beyond for his clients, and keeps communication open will everyone involved in the transaction.

    Jamie Cooper

  • "Quick, easy,..."

    Quick, easy, painless. Very professional experience

    Michael Lanigan

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Top Stories

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.

Cleaning Tips & Tricks For Your Home

Jan 22, 2021

Now more than ever it’s important to keep your home clean while also getting rid of germs, here are some tips and tricks you may not have considered before. Clean Your Humidifier- The water that makes your humidifier run smoothly is also breeding ground for mold and microbes. To clean, pour two cups of undiluted white vinegar into the water tank and swish it around until wet. Place the vinegar-filled tank on the base and allow it to drain into the reservoir for 15 - 20 minutes. Empty it and use a small brush to scrub crevices, removing remaining build-up. Sanitize Your Phone- Your cell might harbor more germs than a toilet seat. Zap germs with an alcohol wipe, and give your TV remote and computer mouse the same treatment while you're at it. Reorganize Your Linen Closet- Tackle an overflowing storage spot by adding an over-the-door rack for extra towels. Shelf dividers stop folded washcloths from toppling over, and baskets corral surplus toilet paper and cleaning supplies. Clean The Shower Curtain- To banish moldy spots, throw plastic or vinyl curtains in the washing machine with a little detergent. Add two to three bath towels for extra cleaning agitation, then hang it to dry or put in the dryer on low heat or fluff only. To keep it fresher longer, stretch the curtain out after each shower to help moisture dissipate. De-stink The Garbage Disposal- Run a few lemon rinds through the disposal and follow with cold water to dispel any sour odors.