Loan Officer Location

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

Social Survey View

Zachary Prairie OVERALL RATING

AFN OVERALL RATING

       
5.0/5   Total 92 reviews

  • "Zach communicated..."

    Zach communicated with us on a near daily basis. He was kind, clear, and patient. The whole process was a breeze. I never worried about a thing.

    Angela Kanak

  • "I always know my..."

    I always know my Clients are in good hands when I refer them to Zach. Not only is he personable and professional but he knows his products. He always find the best fit for each Buyer with terms everyone is comfortable with. His communication skills and promptness are a big Plus! Zach gets us to the closing table every time!

    Linda White

  • "Zach blew me away..."

    Zach blew me away with his customer service to myself and clients.

    Sarah Eenigenburg

Calculator View

  • Purchase Calculator
  • Refinance Calculator





Years






Years


Calculate Your

Mortgage Payment

Monthly Payment

$ 0.00

Mortgage Structure

Total Loan Amount

$ 0.00

Total Interest

$ 0.00

New Monthly Payment

$ 0.00

New Mortgage Structure

Total Loan Amount

$ 0.00

Total Interest

$ 0.00

Loan Program View

LOAN PROGRAMS

Blog View

Top Stories

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.

Winterizing Your Home

Dec 18, 2020

No matter where you live, winter can signal a dip in temperatures and the possibility of unpredictable weather, including inches of snow and dangerous ice. Even for our HQ team that lives in Southern California, winter can bring some crazy weather! Below are some ways you can help winterize your home. Have your furnace inspected. Since your heating system will probably be running constantly throughout the winter, you should have it inspected annually to help if run efficiently and prevent CO from entering your home. Also remember to change out your HVAC filters every month. Inspect the insulation in your attic and crawlspaces. Warm air rises and leaves the house through the roof, so you should focus on insulation in your ceilings. Insulating the crawlspaces will help keep your floors warm. Seal potential leaks. Seal areas around recessed lights, the attic hatch, and plumbing vents that may be allowing warm air from the living space below to enter the attic. Apply weather stripping. Add weather stripping to doors and caulk window gaps. Make sure all windows are locked to keep out as much cold air as possible. Use a fireplace. If you plan to use it, schedule an inspection and service by a professional to make sure your chimney is clear of debris and make sure that your damper opens, closes, and seals tightly. Insulate pipes. Pipes located in attics, crawl spaces, basements, and near outer walls can be susceptible to freezing in extreme temperatures. Insulate to help prevent your pipes from freezing. When the forecast calls for unusually cold temperatures: Let water drip from hot and cold faucets overnight. Winterize outdoor faucets. Remove all hoses or devices attached to outdoor spigots. Be sure to drain any water left behind in the pipes. Have in-ground sprinkler systems blown out, and turn off water to the outdoor spigots. Firewood. Store your firewood in a dry place at least 30 feet from your home to avoid a fire hazard.