Zachary Spradling

Exec Lending Manager

NMLS# 2006444  NMLS#2411952

Hi I’m Zachary.

As a leading loan officer specializing in luxury real estate and high-dollar financial transactions in Orange County, I bring a unique blend of
expertise and dedication to each deal. My deep understanding of the Orange County market is central to providing bespoke financial solutions
tailored to the intricacies of luxury properties.
I pride myself on a client-first approach, ensuring confidentiality and personalized service. My background in finance allows me to adeptly manage
complex financial scenarios, securing favorable terms and guiding clients through the nuances of their investments.
My strong professional network and my commitment to staying ahead of market trends empower me to offer the most effective strategies and insights.
I am not just a facilitator of transactions but a trusted advisor, dedicated to educating and supporting my clients through every step of their journey.
In the high-stakes world of luxury real estate, I am committed to exceeding expectations, leveraging my negotiation skills, and in-depth market
knowledge to achieve the best outcomes for my clients.

Let’s Connect

Reviews

Ranking

Julien A.
Had the pleasure to work with John Molavi and was able to secure a great rate. After asking questions of some of my concerns that I had, John answered them and had everything done in no time. I didn't feel like a “number”, I felt my needs we met and I had no issues.
Joanna L.
I wanted to thank Mr.Thomas for all his hard work. He was extremely helpful and made the process so easy. He took his time and explained everything step by step and answered every question I might have had. I will be sure to work with Mr. Thomas in the future. Thank you again for all your help.
Farhad A.
We had an excellent experience working with Trusted Mortgage Capital. Zack Spradling was outstanding throughout our refinance process—he secured us a very competitive interest rate and moved everything along efficiently, allowing the deal to close very quickly. Thanks to his expertise, our current interest rate is 2% lower than our initial rate with a different lender, which made a significant difference for us financially. He was knowledgeable, responsive, and made the entire process feel smooth and stress-free.
We also want to give special recognition to Ms. Hoe Le, the senior loan processor. She was exceptional with communication and incredibly helpful at every stage of the process. She kept everything organized, explained each step clearly, and ensured nothing was delayed. On top of her professionalism, she is so beautiful and truly a pleasure to work with.
Overall, we are extremely satisfied with our experience and highly recommend Trusted Mortgage Capital, especially Zack Spradling and Ms. Hoe Le, to anyone looking to refinance or obtain a mortgage.
Zack and Hoe Rocks!!!
George R.
Trusted mortage was sa easy team and process to work with. I do wish there was a bit more communication on the steps and what to expect but other wise the team i worked with were wonderful and and quick to act

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Zachary Spradling

Exec Lending Manager

949.989.4208

Apply Now No Obligation Quote
Julien A.
Had the pleasure to work with John Molavi and was able to secure a great rate. After asking questions of some of my concerns that I had, John answered them and had everything done in no time. I didn't feel like a “number”, I felt my needs we met and I had no issues.
Joanna L.
I wanted to thank Mr.Thomas for all his hard work. He was extremely helpful and made the process so easy. He took his time and explained everything step by step and answered every question I might have had. I will be sure to work with Mr. Thomas in the future. Thank you again for all your help.
Farhad A.
We had an excellent experience working with Trusted Mortgage Capital. Zack Spradling was outstanding throughout our refinance process—he secured us a very competitive interest rate and moved everything along efficiently, allowing the deal to close very quickly. Thanks to his expertise, our current interest rate is 2% lower than our initial rate with a different lender, which made a significant difference for us financially. He was knowledgeable, responsive, and made the entire process feel smooth and stress-free.
We also want to give special recognition to Ms. Hoe Le, the senior loan processor. She was exceptional with communication and incredibly helpful at every stage of the process. She kept everything organized, explained each step clearly, and ensured nothing was delayed. On top of her professionalism, she is so beautiful and truly a pleasure to work with.
Overall, we are extremely satisfied with our experience and highly recommend Trusted Mortgage Capital, especially Zack Spradling and Ms. Hoe Le, to anyone looking to refinance or obtain a mortgage.
Zack and Hoe Rocks!!!
George R.
Trusted mortage was sa easy team and process to work with. I do wish there was a bit more communication on the steps and what to expect but other wise the team i worked with were wonderful and and quick to act