We're here for you during the uncertainty surrounding the Coronavirus (Covid-19) pandemic. Learn more

Zalmen Grossbard

Loan Officer / Branch Manager

NMLS ID #65476

Full Application

"Let Zalmen get you home!"


Zalmen prides himself on helping families and individuals achieve their dreams by leveraging FM Home Loans extensive mortgage lending resources to provide great rates, fast pre-approvals, superior customer service and hassle-free closings. As a Loan Officer with FM Home Loans, Zalmen is dedicated to building lasting relationships with realtors by providing their buyers with effective purchasing solutions and real time communication.

Super Powers

Devoted, knowledgeable, professional and extremely responsive


 from 15 reviews


09/25/2020 | S.W.
a complicated loan made simple


09/23/2020 | A.A.
Zalmen knows his stuff!


09/08/2020 | J.W.
helped out in every step


09/08/2020 | Y.F.
He always so quick to show initiative.”


09/06/2020 | J.D.
Awesome service!!! Thanks Zalman


08/26/2020 | B.G.
I Had a very pleasant experience. I felt like I am his only client. That's how supportive and kind he was to me. His expertise and Professionalism are beyond words.


08/26/2020 | C.F.
Zalmen is great, quick and efficient


08/13/2020 | Y.B.
Zalmen is quick, professional, knowledgeable, takes ownership of his work and above all super super responsive!!


08/12/2020 | Y.K.
simply, quick, easy, friendly.


07/29/2020 | C.H.
Zalmen's dedication and expertise is unmatchable.


07/26/2020 | S.L.
Zalman is always there for you when ever needed


07/16/2020 | S.J.
no words -friendly they make everything easy  


07/16/2020 | Z.D.
It is the second time I have worked with Zalmen for my mortgage, I had both times an amazing experience.


07/09/2020 | I.B.
It was a real pleasure! Yermia, You are the best!


07/08/2020 | N.W.
Great and quick communications, Hearty responsibly going through the process.

Payment Calculator

Loan Information


Property Information


Taxes And Insurance Information

Rent Vs. Own

Compare the estimated costs of buying vs. renting a home.

Rental Information


Home Purchase Information

Monthly Rent:
Home Purchase Price:
Down Payment:
Mortgage Interest Rate:
Should you rent or own?
Average monthly payment increase if owning:
Estimated total gain over 7 years if owning:
Rent Own
Initial Rent Payment
Renter's Insurance
Mortgage Payment
PMI (Mortgage Insurance)
Property Taxes
Homeowner's Insurance
Before Tax Monthly Payment
Annual Home Maintenance
Total Payments Over 7 Years
Total Tax Savings Over 7 Years
Average After Tax Monthly Payment
Estimated Home Selling Price
Loan Balance
Estimated Cost to Sell
Down Payment & Initial Closing Costs With Unearned Interest
Investment Gain of Owning vs. Renting
Total Payment Savings of Owning vs. Renting
Total Payment Savings of Renting vs. Owning

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.