Personally serving all borrowers across 37 licensed states
NMLS: 9812
Direct : Phone: (919) 264-6212
Email: Chrisz@positiveratemortgage.com
I’m Chris Zarnik, owner of Positive Rate Mortgage and an experienced mortgage broker serving borrowers across 37 licensed states. Whether you’re pursuing a VA, conventional, jumbo or specialized loan, I provide personal guidance and compare options from multiple wholesale lenders to help you find a competitive financing solution.
Veterans and Military Families - VA Guidance from a Fellow Veteran
You have earned your Va home loan benefit. As a Veteran and former military aviator, I can personally help you understand you VA financing options and navigate the mortgage process.
Pilots and Aviation Professionals - Mortgage Guidance from a fellow professional pilot who understands aviation carrers and pilot income
As a professional pilot and mortgage broker, I understand aviation careers and the unique income, relocation and financing considerations pilots can encounter. I help Military, Airline, Cargo, Corporate and other professional pilots navigate mortgage qualification and compare available loan options
Explore Pilot Mortgage Options
All Homebuyers - Conventional, Jumbo, FHA, VA, Construction, Rehab, Second Home, Investment, HELOC's and specialized mortgage solutions.
I also help Homebuyers and homeowners compare conventional, jumbo, FHA, construction, investment, second home, HELOC and specialized mortgage programs available through multiple wholesale lenders
Explore All mortgage solutions
Positive Rate Mortgage, LLC is licensed to originate mortgages in 37 States, Positive Rate Mortgage, LLC is licensed in the following states: Licensed in AZ, AK, AR, AL, CA, CO, CT, DC, DE, FL, GA, IN, ID, KS, KY, LA, MA, MD, MI, MN, MS, MT, NC, NH, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV
When you work with Positive Rate Mortgage, you work directly with me—from the initial conversation through closing. Whether you are purchasing, refinancing or exploring a specialized mortgage, I provide personal guidance, compare available options from multiple wholesale lenders and help you work through financing challenges that may arise
The Loanzify App guides you through your mortgage financing and connects you directly to your loan officer and realtor.
An easy way to know your next step
Break down the terms and acronyms that will be used
Learn what loan options are available
Learn about current topics and trends
The list of documents you need to get started
Contact us for a free consultation to get your questions answered
Calculate how much your monthly mortgage payment could be.
* Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
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