About Paul Zgalich
Paul Zgalich is an award-winning mortgage professional and Senior Vice President of Mortgage Lending at Rate, where he has built a reputation as one of the most trusted and results-driven loan officers in the region. With more than 15 years of experience, Paul has helped thousands of families achieve their homeownership goals through personalized guidance, clear communication, and an unwavering commitment to service. Ranked **#2 in the state of Pennsylvania** for mortgage production, Paul is recognized for his deep industry knowledge, strategic approach to lending, and ability to navigate complex financial situations with ease. He specializes in residential purchase and refinance loans, offering clients a streamlined experience that makes the mortgage process both efficient and transparent. Under Paul's leadership, his team has consistently exceeded production goals, earning numerous company and industry accolades for volume, customer satisfaction, and operational excellence. His success is built on a foundation of integrity, responsiveness, and a genuine passion for helping clients make confident financial decisions. Beyond his professional achievements, Paul is known for his approachable personality and strong relationships with real estate partners throughout Pennsylvania and beyond. He believes every client deserves a seamless mortgage experience — one that's both fast and stress-free from start to finish. When he's not assisting clients or mentoring his team, Paul enjoys deep-sea fishing and spending quality time with his wife and two daughters. His dedication to family and community mirrors the same energy and care he brings to his work every day
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
Monitor your loan status
Connect with your loan team
Calculators, tools, guides, and advice
Track your home value
Wellness tips to help you grow holistically
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Located at 901 Fayette St, Second Floor Office 1 Conshohocken PA, 19428
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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