If it absolutely has to close, call Tom.
At Zaharakis Mortgage Group, we help homebuyers, homeowners, and investors across Florida get the right mortgage with clear communication, honest advice, and on-time closings.
Why borrowers choose us
- Direct access to Tom Zaharakis
- Conventional, FHA, VA, Jumbo, and Investor loans
- Local expertise in the Florida market
- Fast communication and proactive updates
Why work with us
Local expertise, clear communication, and closings that stay on track.
Independent Mortgage Broker
We shop multiple lenders to help you find competitive rates and loan options that fit your goals.
One-on-One Service
You work directly with Tom, not a call center. That means faster answers, straightforward advice, and fewer surprises.
Closings That Actually Close
We coordinate with Realtors, title companies, and lenders to keep your file moving and your closing date protected.
Loan programs we offer
Every borrower is different. We review your goals, income, credit, and timeline before recommending the right path.
Conventional Loans
Flexible down payment options and competitive terms for qualified buyers.
FHA Loans
A strong fit for first-time buyers or borrowers who need more forgiving guidelines.
VA Loans
Powerful financing for eligible veterans, active-duty service members, and certain surviving spouses.
Jumbo Loans
Financing solutions for higher-priced properties above conforming loan limits.
Investor / DSCR Loans
Options designed for rental-property investors focused on cash flow and portfolio growth.
Refinance Options
Rate-and-term or cash-out refinance strategies tailored to your current goals.
How our process works
We keep the process simple, transparent, and proactive so you always know what comes next.
Meet Tom Zaharakis
Tom Zaharakis is President & Mortgage Broker at Zaharakis Mortgage Group, with more than three decades of mortgage experience helping buyers, homeowners, and investors navigate financing with confidence.
NMLS #203922 • Company NMLS #2787497
Educate first. Communicate clearly. Always close on time.
Office Information
Zaharakis Mortgage Group
9040 Town Center Parkway
Lakewood Ranch, FL 34202
Phone: 941-586-7680
Email: tomz@zmgflgrp.com
What clients are saying
“Having a knowledgeable and experienced professional like Tom made the process smooth, transparent, and simple.”
— Homebuyer“Tom was honest, upfront, and delivered on all his promises. He made me feel like I was his top priority.”
— Satisfied Client“Tom made an out-of-state purchase a breeze and always answered immediately.”
— Out-of-State BuyerFrequently asked questions
How do I start?
Use the contact form below or call Tom directly. We’ll start with a short conversation and then guide you through the next steps.
What credit score do I need?
It depends on the loan program. The best next step is a quick review of your overall financial profile.
How long does it take to close?
Many loans close in about 30 days, though timing depends on the file and document turnaround.
Do you work with self-employed borrowers?
Yes. We regularly work with self-employed borrowers, investors, and business owners.
Ready to get started?
Whether you’re buying, refinancing, or investing, we’re here to help you choose the right mortgage and get to the closing table on time.
Communication preferences and opt-out
You may opt out of marketing emails, calls, or text messages at any time by clicking unsubscribe in an email, replying STOP to an SMS, or contacting us at tomz@zmgflgrp.com.
We do not sell your personal information. To request deletion or to limit partner sharing, email tomz@zmgflgrp.com with the subject line Privacy Request.
Privacy Policy
Effective date: April 13, 2026
1. Information we collect
We may collect personal information you submit through our website, including your name, email address, phone number, mailing address, and financial information you provide during the mortgage inquiry or application process. We may also collect non-personal information such as your IP address, browser type, and pages visited.
2. How we use your information
We use your information to respond to inquiries, provide mortgage-related services, process loan applications, communicate with you about your request, improve our website, and send marketing communications where permitted by law.
3. Sharing of information
We do not sell your personal information. We may share your information with licensed lenders, service providers, and regulatory authorities when required to provide services or comply with applicable law.
4. Cookies and tracking technologies
Our website may use cookies and similar tracking technologies to improve site functionality, understand traffic patterns, and enhance the user experience.
5. Data security
We use reasonable administrative, technical, and physical safeguards to protect personal information. No method of online transmission or storage is completely secure.
6. Your choices and rights
- Request access to the personal information we hold about you
- Request updates, corrections, or deletion where applicable
- Opt out of marketing emails, calls, and text messages
7. Opt-out options
You may opt out of receiving marketing communications at any time:
- Click the unsubscribe link in a marketing email
- Reply STOP to a text message
- Email tomz@zmgflgrp.com
8. Third-party links
Our website may link to third-party sites. We are not responsible for the privacy practices or content of those sites.
9. SMS Privacy
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
10. Policy updates
We may update this Privacy Policy from time to time. Any revisions will be posted on this page with a revised effective date.
11. Contact us
Zaharakis Mortgage Group
9040 Town Center Parkway, Lakewood Ranch, FL 34202
Email: tomz@zmgflgrp.com
Phone: 941-586-7680
Terms of Use
Please review these terms before using our website or subscribing to SMS updates.
1. Website use
By using this website, you agree to use it only for lawful purposes and in a manner consistent with these Terms of Use.
2. No lending commitment
Information on this site is for general informational purposes only and does not constitute a commitment to lend. All loans are subject to credit, underwriting, and property approval.
3. Communications consent
If you choose to opt in to SMS messaging by checking the optional consent box on our contact form, you agree to receive important notifications about our services, updates on upcoming meetings, and replies from your dedicated representative. Message frequency may vary. Message and data rates may apply. Reply STOP to cancel or HELP for assistance.
4. Intellectual property
All content on this website, including text, branding, and layout, is owned by or licensed to Zaharakis Mortgage Group, LLC and may not be copied or reused without permission.
5. Changes to these terms
We may update these Terms of Use at any time by posting revised terms on this page. Continued use of the website after updates are posted constitutes acceptance of those changes.
6. Contact us
Zaharakis Mortgage Group
9040 Town Center Parkway, Lakewood Ranch, FL 34202
Email: tomz@zmgflgrp.com
Phone: 941-586-7680