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Profile picture for Michael Zapkowski

Michael Zapkowski


Senior Associate Broker, CA BRE License (12 years experience)

Purchase Loan,
Mortgage Planning

Ratings & Reviews



07/28/2014 - MLWBSWU
Closed refinance loan. Pinehurst, Seattle, WA

I have refinanced my primary residence with Michael. The process was done smoothly from end to end. I was able to save money with lower interest rate. It was a good working experience to remember.

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06/29/2013 - user08321541
Closed refinance loan. Clovis, CA

Michael and his Integrity Team made the process as pleasant as it could be. From the first call questions were answered with concern and options presented that showed to me he was knowledgeable and Integrity was reputable. In addition, all of the support staff was the same. Willing to help in the process, knowledgeable and there when you needed them. They monitored the process from start to finish.

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06/28/2013 - jmrozins
Closed refinance loan. Stevenson Ranch, CA

Michael helped us both with our original loan and a subsequent refinance, and we were extremely happy with the rates, service, timing, knowledge -- basically everything about our transactions. We've worked with many lenders/brokers etc. in the past as we do a fair amount of real estate investing, and Michael is a league above all of them in every respect.

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06/25/2013 - user36400250
Closed refinance loan. La Mesa, CA

My refinance was handled professionally and quickly and Michael made the whole process seamless. Delivery of the required documents was handled easily, and follow-up documentation was kept to a minimum. This is the second time I've used Integrity First and they are who I will turn to again if I need a new loan.

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Response from Michael on 06/27/2013

Thanks Charles! You were a great client to work with and I truly appreciate your repeat business, cheers!



06/24/2013 - user9645631
Closed refinance loan. Monterey Heights, San Francisco, CA

Michael and Ben and the extended team at Integrity First are the utmost example of a responsive, and professional team for anyone looking to refinance their home. My husband and I are busy professionals and have refinanced our home several times over the years, and we have a jumbo loan; the Integrity Frist process was seamless from initial phone intake, to document submissions to closing and funding. I had all my questions answered timely, fully and with the utmost professionalism. I recommend this team without reservation. Thanks to all of you for your support. We are extremely grateful!

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Response from Michael on 06/25/2013

Our pleasure Melissa - you were awesome to work with and I appreciate your business!



06/14/2013 - mpniles
Closed refinance loan.

If you are looking to refinance, Michael Zapkowski is your guy. I have refinanced 3 times with Michael over the last several years as rates kept going lower and lower. Every time, he has the best rates and lower closing costs as compared to anything I could find, and he makes the process smooth -- it's a breeze! This is why I keep going back to Michael again and again and again. I doubt that you could find anyone better.

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Response from Michael on 06/17/2013

Thanks for the kind works Mike! Always a pleasure working with you, cheers! :)



05/16/2013 - user7506874
Closed refinance loan. Beavercreek, OR

Right off the bat, Michael Zapkowski and his team make you feel at ease. We had a loan re-fi for a second home which made it a little more of a challenge, Michael and his team including Ben Horak and Stevie Arendsen were delightful to work with, they fought hard to make things work out for us and it all came together! Thanks to their help (they were always available to chat about a question) the process went as smooth as possible. We would work with them again.

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Response from Michael on 05/20/2013

Thanks again for your business Terri! :)



04/08/2013 - user64000624
Closed refinance loan. Milpitas, CA

It was pleasure working with Michael & IFFG to get my home loan refinanced.

Michael provided me with very competitive mortgage rates & loan terms during my initial shopping phase, when did not even hear back from few lenders that I had approached. The entire process was very smooth, was very professionally handled by the entire IFFG team while being kept well-informed, followed-up properly & promptly replied to all my queries throughout the entire process. Michael was very patient to help me understand the technicalities/details that was not aware of & even provided me with valuable advise in regards to my options.

As IFFG promotes, did experience that Integrity and customer does indeed come first for them, they went through the entire initial process again for a different loan amount when mid way in the process after home appraisal, the initial loan was not working out for me while also giving me good time to arrange for required funds & paperwork. They delivered on everything & took care of all the fees as per made commitments.

I am very happy and satisfied with their excellent services and overall refi experience, and would highly recommend Michael & IFFG.

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Response from Michael on 04/09/2013

Great working with you Vivek! I'm glad we were able to restructure the loan midway to meet your overall financial goals. I wish you all the best, cheers!



04/03/2013 - danporter
Closed refinance loan. Markham, Portland, OR

We were able to close a refi in a month and a half with a "no fee" loan (.25% higher interest rate but no extra costs up front). Everything went nice and smooth and my questions were always responded to quickly. The only cash we had to throw in was for the appraisal fee (which gets refunded) and the escrow account (which comes back from the old one). Very nice.

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Response from Michael on 04/04/2013

I'm glad we were able to coordinate the refinance around your kitchen remodel and still close on-time! Thanks again for your business Dan, cheers!



03/21/2013 - user95274729
Closed refinance loan. Tigard, OR

I found this company on the Zillow website. Michael was great to work with. He kept me informed of the process. Even when there was a small glitch we still finished within a reasonable amount of time. I would definitely recommend that you contact Michael for any mortgage need.

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Response from Michael on 04/04/2013

It was a pleasure working with you Janielle! Thanks again and let me know if you need anything down the road, cheers! :)