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Jennifer Zavat

Jennifer Zavat

VP of Mortgage Lending · NMLS# 1554442

5.0(21 reviews)
Rating5.021 reviews
Satisfied100%21 reviews

Ratings include all 21 reviews. Reviews collected directly from clients are shown only with their permission.

As a Realtor, I had the pleasure of working with Jennifer Zavat for the first time on a transaction for my first-time homebuyer. She was knowledgeable, responsive, and communicated well throughout the entire process. Most importantly, she closed the transaction on time, making a smooth experience for everyone involved.

Response from Owner

Hi Laurien, Thank you so much for the kind words! It was truly a pleasure working with you on your first-time homebuyer's purchase. Your professionalism, communication, and advocacy for your client helped make the transaction a smooth and successful one from start to finish. It is always an honor to help buyers achieve their homeownership goals!

Laurien M.View on Google

Jen was truly amazing to work with. Would recommend her 1,000 times over. Guided us through our first home purchase with zero hiccups and was a professional at all times. The absolute best.

Response from Owner

Thank you, Henry, for taking the time to share your experience. I appreciate the opportunity to assist with your first home purchase and am glad we were able to guide the loan process from application through closing without delays. Congratulations on your new home and thank you for choosing me as your lender. I appreciate your recommendation and wish you all the best in this next chapter of homeownership.

Jen is amazing and she helped us every step of the way to close on our dream house. She also took our calls and texts at all hours so we felt very safe in her hands. You can tell she loves her job and is very good at it. I would recommend her for all of your mortgage needs!

Response from Owner

Hi Nick, Thank you so much for trusting me with your home purchase! It was a pleasure helping you through the process and getting you to the closing table quickly in such a competitive market. I'm especially thrilled to have been part of your journey to becoming homeowners. Wishing you many happy years in your dream home!

Jen was such a pleasure to work with! She truly goes above and beyond for her clients!

Response from Owner

Thank you, Aaron! It was great working with you and being part of this exciting journey for these first-time home buyers. In such a competitive market, teamwork makes all the difference, and I’m grateful we were able to work together to help our clients achieve a fast and successful closing. I’m thrilled for their success and appreciate your partnership throughout the process!

Certainty is always available, helpful and made my loan happen for me.

Hossain A.

Jennifer was phenomenal! Everything was done timely, accurately and politely. Excellent service!

I have known Jennifer for over 10 years. Since then, I have entered the real estate industry. It was very comforting knowing that I could confidently refer a buyer to someone I have known and trusted for such a long time. Jennifer came up with a few solutions and was able to secure them the proper product to obtain a childhood dream of my buyer. Now, my buyer owns a retirement/vacation home on the lake and in the neighborhood where she visited her grandmother as a child. Thanks Jen!!!

Exceeded my expectations!! Jen secured a loan record time, And we close escrow in 14 days!! I cannot recommend her and her team highly enough! It was a good combination of DocuSign, text-messages, online uploads, and actual in person phone calls!!! On a scale of one to five stars I give her 10!

Response from Owner

Thank you so much for the kind words! I’m committed to going the extra mile with 24/7 availability, personalized support, and a stress-free loan process built around your goals. Your 5-star review means the world to me!

Jenn was very professional and stuck to what she said she would do. She was always available for my calls - which is big- and was honest with me about any potential issues. Our deal went smooth and even closed early. I highly recommend Jenn!

Response from Owner

Thank you so much for your trust and recommendation! I’m passionate about delivering a smooth, on-time closing with clear communication, real availability, and proactive problem-solving every step of the way. Your 5-star review means the world to me.

Jen went the extra mile. She was available at all hours of the day. She calmed my nerves many times. It was truly a pleasure to work with her. She was very helpful and personal. I will miss working with her.

Response from Owner

Thank you so much for the kind words! I’m committed to going the extra mile with 24/7 availability, personalized support, and a stress-free loan process built around your goals.

Patricia A.View on Google

Jen was incredibly helpful and friendly throughout our entire experience. She went above and beyond by making herself available to us whenever we needed, even after regular work hours. Her honesty and straightforward approach made us feel confident in our decisions, and she took the time to explain everything clearly. We truly appreciate her dedication and would highly recommend her!

Response from Owner

Thank you for the incredible review! My goal is to make the loan process smooth, transparent, and stress-free by staying available, communicating clearly, and empowering you with the information you need to feel confident.

Caitie D.View on Google

Process was smooth. I was asked a few times repeatedly for the same info which is the only reason why I'm not giving a 10 out of 10.

Matthew D.

Jen did a great job of guiding us through the process as well as advocating for us as first time home buyers. She was available at all hours of the day and made the entire loan process as smooth as possible!

Response from Owner

Thank you so much, Nick! It was a pleasure guiding you through the home loan process, and I’m so happy to hear that you felt supported every step of the way. Buying your first home is a big deal, and I’m grateful I could be part of the journey. Wishing you all the best in your new home—congratulations!

I recently had the pleasure of working with Jen Zavat who exceeded my expectations. From the start, her responsiveness was impressive. She was always quick to answer questions, provide updates, and keep me informed throughout the entire process. Communication was seamless, which made the entire experience much less stressful for both me and my clients. Not only was she highly communicative, but she also delivered exactly what was promised, on time. It’s rare to find a lender who can combine professionalism with such a high level of service, and she did both flawlessly. I’d highly recommend her to anyone in need of mortgage services, as she truly made the process smooth and efficient.

Response from Owner

Thank you for your kind words! Providing seamless communication, on-time closings, and exceptional mortgage lending service is my top priority. I’m thrilled that I could make the home loan process smooth and stress-free for you and your clients. Your recommendation means the world, and I look forward to helping more buyers secure the right mortgage with confidence. If you or anyone you know needs expert guidance on home loans, refinancing, or investment property financing, I’m always here to help!

I recently had the pleasure of working with Jen Zavat who exceeded my expectations. From the start, her responsiveness was impressive. She was always quick to answer questions, provide updates, and keep me informed throughout the entire process. Communication was seamless, which made the entire experience much less stressful for both me and my clients. Not only was she highly communicative, but she also delivered exactly what was promised, on time. It’s rare to find a lender who can combine professionalism with such a high level of service, and she did both flawlessly. I’d highly recommend her to anyone in need of mortgage services, as she truly made the process smooth and efficient.

Noemi C.

Jen is knowledgeable, attentive, and provides a great experience to her clients. She made what could have been a much more overwhelming process feel much easier. I highly recommend Jen!

Response from Owner

Thank you so much, Scott! I'm thrilled you had a great experience purchasing your new home. I'm glad myself and my team could make the mortgage process easy and stress-free for you. We know how important it is to find the right mortgage, and we're here to help you every step of the way. I am committed to helping you achieve your homeownership dreams. I aim to deliver top-notch service and find the best mortgage solution for you.

Jen was very quick to respond to any requests, and on top of everything throughout the entire process. She was attentive to our needs, and very knowledgeable. I highly recommend Jen!

Scott M.

10 out of 10. Jen was attentive through the entire process and gave me regular, sometimes daily updates when necessary. It was a pleasure working with Jen from start to finish.

Response from Owner

Thank you so much for your kind words! It was truly a pleasure assisting you throughout your home buying journey. I'm thrilled that you found the perfect home for you. If you ever need anything in the future, don't hesitate to reach out. Enjoy!

Matthew D.View on Google

Jennifer made the loan process simple and understandable. With her help I was pre-approved for a loan and able to put an offer on a house. The entire time, I felt she had my back and was looking out for my needs / wants. She will be the first one I call if ever I need help with a loan again!

Response from Owner

It was a pleasure helping you get pre-approved and put an offer on your new home. Knowing that you felt supported and that I had your back means a lot to me. I’m committed to making the loan process as smooth as possible—think of me as your financial fairy godmother, minus the wand and sparkles! Your trust is incredibly important to me, and I strive to provide the best possible service every step of the way. I'm here for you anytime you need assistance with a loan in the future!

Jennifer was wonderful to work with. She is communicative, timely, and great with details. She explains options very clearly and helped me understand the loan process from start to close. I highly recommend Jennifer to anyone looking to get a good mortgage rate and have a great experience!

Response from Owner

Mark, Thanks a ton for the awesome review! I'm so happy to hear that my communication, timeliness, and attention to detail made the loan process easier for you. It was great working with you and making sure you understood everything from start to finish. Your recommendation means a lot to me. If you ever need help with a mortgage again, you know where to find me!

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© 2026 Guaranteed Rate, Inc DBA Certainty Home Lending. All Rights Reserved. Guaranteed Rate, Inc DBA Certainty Home Lending, NMLS 2611. For licensing information, go to: www.nmlsconsumeraccess.org. Headquarters: 3940 N. Ravenswood Ave. Chicago, IL 60613 - ph. (844) 615-2955 This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. This is not a commitment to lend. Program restrictions apply. Certainty Home Lending’s policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law.

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