Meet Your Loan Officer

Zalman Chayo

Loan Officer

NMLS #: 1775411

411 Hackensack Ave, Suite 303 Hackensack, NJ 07601 201-343-3610 x862 ( Office ) 201-778-0643 ( Cell ) 201-336-9156 (Fax) zchayo@fam1fund.com Apply Now
  • Well experience and great


    Adeel A Aug 23, 2020
  • Zalman helped us out through the whole process. From pre approval to closing. This was our first home purchase. Going into the process we thought it would be a very defficult and complicating process. With Zalman he made the whole process smooth and easy. Making it very clear what needs to be done. Plus he got us the best rate on the market I would highly recommend Zalman. .


    Getzel G Oct 06, 2020
  • Mr Chayo and his team was very understanding ,patient,hardworking, on point and they get tbe job done don't matter the obstacles .I would recommend anyone because of the great ,friendlyserviice I receved.THANK YOU ALL!


    Sharon H Oct 10, 2020
  • ZALMAN WAS VERY PROFESSIONAL AND KNOWS HIS TRADE I WAS VERY PLEASED WITH HIS UNDERSTANDING AND FOLLOWUP I WILL ADVISE OTHERS WHO NEED FINANCIAL SERVICES TO CALL ZALMAN


    Paul C Oct 13, 2020
  • Zalmy went way above and beyond on my -- what turned out to be very labor intensive -- mortgage application. And he did it all with extreme patience and a smile on his face from beginning to end. And the rate he got for me was amazing!!


    E S Nov 25, 2020
  • There is poor communication in this place.


    Nirupa P Dec 16, 2020
  • Zalman helped me find out how much my mortgage was going to cost me and together we worked through if It was something I would be comfortable paying on a monthly basis and was very understanding about our unique situation and handled it with so much patience and professionalism. Looking forward in referring all my friends and family!


    Dovid D Feb 02, 2021
  • Working with Mr. Chayo and his team was an over all great experience. I look forward to doing business again.


    Miguel G Feb 15, 2021
  • zalman gave me all the numbers how it should look was great


    Avrohom M Feb 17, 2021
  • Zalman helped us out through the whole process. From pre approval to closing. This was our first home purchase. Going into the process we thought it would be a very defficult and complicating process. With Zalman he made the whole process smooth and easy. Making it very clear what needs to be done. Plus he got us the best rate on the market I would highly recommend Zalman!


    Chaya G Mar 16, 2021
  • We did our first ever refinance with Zalman. It was a great pleasure! He explained every single detail we asked and answered any concerns with much patient. Thanks again


    Shabsi Mar 17, 2021
  • Good service, nice to speak to with a lot of patients


    Chaya S Mar 24, 2021
  • Mr. Zalman Chayo, and Mrs. Carol Bryant were a pleasure. Just to name a few you have an amazing team and a great organization. Best experience ever


    Lionel N Apr 21, 2021
  • How Zalman was quick and responsive to all parties involved giving accurate needed information throughout. As this was my first experience with Zalman representing a home buyer making the financial side seamless I will recommend him and services without hesitation with other home buyers


    Vincent S Apr 21, 2021
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About Zalman

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice.

I look forward to working with you.

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