We help people who have unique circumstances
Integrity is our #1 focus at z4 Capital.We want our clients to know they will be treated with dignity and respect. It is so important for us, that we base our business model around it.
With over 30 years worth of experience in mortgage lending, we use our expertise to ensure your financial prosperity. Our team is dedicated and flexible, meaning you will always have up to the minute service and a loan that fits your needs.
Paul Bongiorno
Managing Director
Paul G. Bongiorno is the Managing Director of the Z4 Capital, LLC. Mr. Bongiorno has spent the last 30+ years in the mortgage industry with extensive experience in loan underwriting, risk management, and specialty financial transactions. Since 1989 his lending concentration has been in the Washington, DC metropolitan area. He has focused primarily on assisting borrowers with unique financial circumstances who have special needs that don’t match up with the Fannie Mae and Freddie Mac lending criteria. Borrowers needing special services are referred via his large network of bankers and other mortgage lending professionals. Many of these relationships date back to 1989 because of their longstanding trust in Mr. Bongiorno to service and assist their customers.
Prior to launching Z4 Capital, LLC in 2008, Mr. Bongiorno was a Managing Director with National Penn Bank, leading the Alternative Residential Lending Department. Among his various duties, Mr. Bongiorno was responsible for negotiating contracts with large multinational lending institutions, underwriting and evaluating individual transactions and defining lending parameters where he coordinated operations from origination to the funding of each loan transaction. Prior to joining National Penn Bank in 2000, Mr. Bongiorno was a founding principal and President of RBO Funding, Inc. based in McLean, Virginia. During his tenure with RBO, Mr. Bongiorno oversaw the growth of the company from four original employees to four retail locations in the Mid-Atlantic region and up to 100 employees. Mr. Bongiorno negotiated the sale of RBO to National Penn Bank (now BB&T) in 1999.
“Several years ago, I was trying to refinance my home due to a divorce, and I could not find a lender who would qualify me for a loan. I was at my wits end...As I discussed my plight with Paul, I was immediately put at ease, as he was extremely kind, calm and helpful. My cash out refinance with Z4 Capital was completed within 2 weeks..."
- Gail Romansky, Pearson Smith Realty
Tracie Ciambotti
Operations Director
Tracie Ciambotti is a Private Lending Consultant for Z4 Capital, LLC and has worked with Paul Bongiorno since 1996.
Tracie has 33 years of experience in the financial services industry with an extensive background in operations management. Her expertise includes processing, closing, audit and compliance for residential mortgage transactions at Z4 Capital, LLC, National Penn Bank, RBO Funding, Inc., Norwest Mortgage (later Wells Fargo), Century Mortgage, and SPE Federal Credit Union. Tracie’s proven dedication to establishing fundamental policies and procedures, her extremely high efficiency ratings, as well as her excellent customer service, organizational, and leadership skills led to several Operations Management positions.
In addition to her professional career, Tracie is a writer and authored the book, Battles of the Heart: Boot Camp for Military Moms, which details her experiences as the mother of an Army combat infantryman and provides a training guide for military moms. She is co-founder and Director of Military Families Ministry, a non-profit organization that coordinates projects throughout the year to support service members and their families.
Tracie is very active in her community; she is a Women’s Ministry and Small Group Leader at her church and an Inspirational and Motivational Speaker.