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# of Questions
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. 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.
License Information
NMLS 273099, BRE License 01502513
Employment History
Michael Zapkowski has not entered any Employment History Information
Education
1995 - 1999
Lindenwood University - Saint Louis, MO
Business
Client Testimonials
6/26/2012
“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.
6/11/2012
“Smoothest Process Ever!”
Thank you to the entire team! This was the smoothest process ever!
6/11/2012
“No Hassle Experience”
Michael - It has been a pleasure working with you and a no hassle experience.
5/11/2012
“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.