Hello, my name is Michael Zapkowski and I’m proud to represent Homeplus Mortgage Corporation as a Senior Associate Broker. What sets me apart from my peers is my extensive knowledge of the mortgage industry and my ability to provide low cost mortgage solutions, while still providing exceptional personalized service.
With over a decade of mortgage lending experience, I have had the privilege to work with thousands of families through online lending networks (where lenders compete for your business). I thrive in this environment because it demands I 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 has been the key 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 obtaining the American dream of homeownership.
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.
Once your rate is locked, you will receive a lock confirmation and list of documents needed to complete your application. Usually that includes your most recent W2, two (2) paycheck stubs, recent mortgage statement, and homeowner’s insurance policy - it’s that simple!
I would love the opportunity to earn your business! Please call me today for a complimentary, no obligation, and strictly confidential mortgage analysis @ (858) 349.5147.