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Contact Information
phone: (858) 349-5147
Michael Zapkowski
Senior Associate Broker,  Homeplus Mortgage
2878 Camino Del Rio South,  Suite 402
San Diego,  California  92108
About Me
Hello, my name is Michael Zapkowski, and I’m proud to represent HomePlus Mortgage Corporation as a Senior Associate Broker.
I was born the second of six children in Cincinnati, OH, attended Lindenwood University in Saint Louis, MO, and landed in sunny San Diego on Sunday, February 3, 2002 (Super Bowl XXXVI). After a heartbreaking loss to the Patriots, my soul found comfort in a world vastly different from my previous 25 years. Hello 70 degree weather in February!
My extensive knowledge of the mortgage industry and my ability to provide low cost mortgage solutions while still providing exceptional personalized service sets me apart from my peers. With over a decade of mortgage lending experience, I have had the privilege of working with thousands of families through online lending networks where lenders compete for your business. This is a challenging, competitive market which allows me to go above and beyond to make sure my clients not only get the best deal, but are also 100% satisfied! Staying ahead of the competition and always maintaining my fiduciary responsibility have been the keys to my success.
Over the years, I have developed a reputation among Realtors and clients alike for my candor, integrity, professionalism, and commitment to my profession. The most rewarding compliment I can receive is your trust to refer family, friends, and co-workers when they need professional mortgage advice. I take pride in building long-term relationships and truly enjoy helping others achieve the American dream of home ownership. There is no application fee, no lock-in fee, and in most cases the lender pays your closing costs. The only out- of- pocket expense is your appraisal fee, which is typically $375-$650 depending on occupancy, property type, and/or location.
I would love the opportunity to earn your business! Please contact me today for a FREE, NO COST and strictly confidential mortgage quote.
License Information
NMLS 273099, CA BRE License 01502513
Employment History
Michael Zapkowski has not entered any Employment History Information
1995 - 1999
Lindenwood University - Saint Louis, MO
Client Testimonials
“Highly Recommended”
I have refinanced twice in the last 8 months with Michael Zapkowski at Integrity First Financial Group. Both refinance experiences were wonderful. Michael and his team at IFFG were always on top of things. I always knew at what stage the refinance was at and what to expect next. I definitely would (and have) recommended Michael and IFFG to family and friends.
“Smoothest Process Ever!”
Thank you to the entire team! This was the smoothest process ever!
“No Hassle Experience”
Michael - It has been a pleasure working with you and a no hassle experience.
“Integrity First Financial Group”
I just finished my refinance with IFFG and it was BY FAR the BEST and EASIEST home loan I have ever received. This is my third home loan that I have gotten (one was a purchase and the other two were refinances) and my previous loans were big banks and they were extremely difficult to deal with. The larger banks that I did my first two loans with were so bueracratic and rigid and asked for everything short of a blood sample from me. Integrity First Financial Group was able to give me a 30 day rate lock in about a week after I provided them with the up front documentation and I closed the loan a few weeks thereafter. I worked with Michael Zapkowski and Heather Prida and they did a great job. I highly recommend.