Mortgage Advice you can trust
Dont be shy, click that purple button and let's see what we can do for you!
Mortgage Advice you can trust
Dont be shy, click that purple button and let's see what we can do for you!
Your source for real estate financing
Traditional home Loans
Traditional home Loans
Traditional home Loans
We have a wide variety of Home loan options and we only work with the very best banks to find the right loan for you.
- Down payment assistance/First time homebuyer programs
- Self employment bank statement loans
- Investment property and Debt Service loans(no income required)
- Government loans - FHA, VA, USDA loans
Reverse Mortgage Loans
Traditional home Loans
Traditional home Loans
We specialize in reverse mortgage loans
- Fixed & ARMs
- Home Equity Line of Credit to create a financial safety net
- Convert monthly mortgage payment into a payment optional loan.
- FHA and traditional programs available.
Special need Financing
Commercial Lending Division
Commercial Lending Division
We have excellent sources for special need financing
- "All in one" Mortgage, First lien HELOC with simple Interest.
- Construction financing. (land and construciton in one loan)Fix and flip money/Hard money
- Bridge loans
- Short term rental financing
Commercial Lending Division
Commercial Lending Division
Commercial Lending Division
- Commercial Lending on a Variety of Properties
- Mobil Home Parks, Assisted Living Facilities,
- Auto Body Shop, Bar/Nightclub, Campground, Cannabis,
- Car Wash, Daycare Facility,
- Apartment complex, Short Term Rental,
- Medical Office, Manufacturing facility, Gas Station, Golf Course,
- Self Storage units, Gym, and much more!
fast pre approvals
About us
Zach Smith is the owner of Chariot Financial. He has been in Mortgage and Real Estate industry since May of 2003 after he graduated from Colorado State University. He specializes reverse mortgage loans, first time homebuyers, real estate investment loans, and refinances. He Lives in Littleton with his wife Brenna and their 7 year old son. He enjoys biking, hiking, and live music in his spare time. He is committed to the success of all those he serves through his business.
Past clients testimonials
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Contact Us
Zach P Smith NMLS 21934
Chariot Financial NMLS 1840239
215 South Wadsworth Boulevard #215, Lakewood, Colorado 80226, United States
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Equal Housing Lender
Privacy Policy
Chariot Financial is committed to honoring the privacy of visitors to our corporate and affiliate Web sites. Our Web site describes our information practices and lets users give informed consent before participating in programs and services. This page provides answers to the following questions:
What information does Chariot Financial ask for and how is it used?
We make every effort to protect our partners, affiliates, and individual consumers, but we do not control the privacy policies or business practices of third-party Web sites. When our business partners and affiliates register for services provided by Chariot Financial, they are asked to provide certain information such as their name, business address, contact information, and company description. We only ask for this information so that our account managers and Web site coordinators can maintain quick, effective communication and constantly personalize our business services to your requirements. Your registration, contact information, and any passwords you may be issued are also required for your secure movement and transaction processing throughout our Web sites.
However, certain third-party Web sites to which we provide links or which are hosted by Chariot Financial for public use have different or additional terms of use, (including different privacy policies), which you should read, so that you fully understand particular uses of personal information by third parties who are partnered or affiliated with Chariot Financial. Because Chariot Financial does not control activity on any third party Web sites, Chariot Financial makes no representation concerning the use and/or disclosure of any information provided to such third party Web sites.
Do I get to choose what information I disclose?
Yes, our business partners and affiliates can always choose whether or not to disclose personal or business information through Chariot Financial. Certain information is of course required for registration and to establish and securely manage your Chariot Financial account, but other requested information may be optional. Specific questions about what information is currently required should be addressed to the account manager and Web site coordinator who establish your account.
Who has access to the information that I provide to Chariot Financial?
We use basic information which we collect to make your business relationship with Chariot Financial more productive and tailored to your individual preferences. We require specific additional information when you subscribe to some customized services, and we store that information in secure databases. We share some aggregate statistical data with companies from which we obtain analytical and marketing services or partnerships. These companies do not have access to our secure database, and we never provide these companies with access to any consumers’ financial, personal, or loan-transaction information which we store on behalf of our business partners and affiliates. From time to time, we may be asked to disclose such information to third parties as part of a legal proceeding (i.e. subpoenas and criminal investigations); in such cases, Chariot Financial will disclose personally identifiable information as required by law.
What if I need to change the personal or business information I previously disclosed?
All changes in our partners’ and affiliates’ contact or business information should be sent immediately to the account manager and Web site coordinator who manage your account. Private consumers who use the services of our partners and broker affiliates should contact them directly by e-mail or by phone to update personal business or account information.
Who can I contact if I have any questions regarding my privacy?
If you have specific questions about Chariot Financial, you can contact us directly through our e-mail address provided below. For more general information, we recommend the Web site published by the U.S. Federal Trade Commission, which includes news and commentary about privacy protection on the Worldwide Web; or go directly to their FTC Search page, enter the words “Internet privacy” (without quotes) in the text field, and hit the Search button. For more information visit the FTC web site: www.ftc.gov
What is a “cookie” and how does it work?
We occasionally use software “cookies” (tiny data files sent to and stored by the client computer’s web-browser software) to let you use our services more efficiently, and to let us keep track of statistical traffic information that helps us improve our Web site. One extremely valuable service provided by cookies is that they can save many preferences which you have established for navigation, searching, and shopping in your favorite Web sites. After your computer has requested and received a cookie from an Internet server, the cookie simply allows you to visit Web site pages repeatedly without having to reintroduce yourself each time you return. No other user’s computer on the Worldwide Web will have that same cookie, and only the Web site which issued that cookie can later retrieve it. A Web site can transmit one or (rarely) more cookies to the user’s browser software, and each may have a very different purpose. Cookies from our server contain only information which a user volunteers, or which guarantees the secure transmission of their data across the Internet, or which can automatically disconnect a user’s “log-in” session after a period of inactivity (in case you go to lunch but forget to “log off”). Some Chariot Financial Web site services may not function correctly if the user’s browser software cannot accept cookies. Recent versions of Web browsers can be customized so that a cookie is always accepted-but only after the user is advised and consents.
What does Chariot Financial do with the non-public personal information it receives regarding its business partners’, affiliates’ or mortgage broker clients’ customers?
Chariot Financial provides a wide range of services to its business partners, affiliates and clients. In connection with these services, Chariot Financial often receives non-public personal information about the customers of its business partners, affiliates and clients. Except as permitted by law, Chariot Financial does not share, disclose or otherwise use non-public personal information that it receives from its business partners or mortgage broker clients about its business partners’ or mortgage broker clients’ customers. Federal privacy regulations limit the manner in which Chariot Financial may re-use or re-disclose this information, and Chariot Financial complies with these regulations.
SMS Text Messaging Terms and Conditions
Chariot Financial provides this policy to explain how we use SMS text messaging. Please read these SMS Text Messaging Terms & Conditions (“SMS Terms”) carefully. By completing the opt-in, you expressly consent to receive marketing and non-marketing text messages, including mortgage loan updates from Chariot Financial to the mobile number you provide. These messages can be recurring or one-time.
Opting in to receive marketing and non-marketing text messages is not required to apply for or obtain a residential mortgage loan from Chariot Financial. By providing your mobile number and opting in, you agree you have ownership rights or permission to use the number given to Chariot Financial.
You may opt out of these communications at any time by following the procedures in the text message. For example, replying “STOP” to any message you received. After this, you will no longer receive messages from our phone number. If you want to join again, you can sign up as you did the first time and Chariot Financial will start sending text messages to you again.
To receive assistance at any time you may call our Office at 720-502-3278.
Copyright © 2022 Chariot Financial Mortgage Brokers - All Rights Reserved.
Equal housing Lender. Regulated by the Colorado department of regulatory agencies and NMLS. NMLS consumer access.
Zach P Smith NMLS 21934
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