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 @ or michael@myhomeloanCA.com.