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Michael Zapkowski


Broker Associate, CA BRE License (11 years experience)

Purchase Loan,
Mortgage Planning

Recent reviews



03/16/2013 - r2719
Closed refinance loan. Serra Mesa, San Diego, CA

Most people dread the refinance process but working with Michael was by far the best refinance experience that we have ever had. Michael and his team are extremly competent. He made everything so fast and easy. We were qualified on the phone and his knowledge of the products and options where of the highest quality. The entire process was professional and expedient. No unnecessary paperwork, Michael and his team knew what they were doing and it showed. I would highly recommend contacting Michael Zapkowski and Integrity First Financial Group for your next refinance. I know I will!

Thank you Michael!

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Response from Michael on 04/04/2013

Thanks Robi - it was a pleasure working with you!



11/30/2012 - user9624621
Closed refinance loan. Tustin, CA

Michael Zapkowski and everyone at Integrity First did an excellent job in every way. I would highly recommend Michael to anyone refinancing or looking for a mortgage. Michael laid out all of the documents that were required and the time frame that I needed to get them to him and gave me reminders if I did not respond. He gave me a clear understanding of why the loan was truly a 'no cost' loan, laying out all of the costs involved and the credit that would negate those costs. He was always available and responsive to all of my calls and emails to expain any questions that I had in a friendly way and took all of the time needed to satisfy me. The follow up staff members also had the same high level of professionalism. I have refinanced twice in the last year and both experiences were smooth and painless. This was my first on-line mortgage experience and was cautious at first but with the lowest rate and great choice with Michael , it turned out perfectly. I have recommended him to my fellow co-workers and would recommend him to anyone. Thanks Michael.

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11/28/2012 - user61020636
Closed refinance loan. Folsom, CA

This is my second refi with Mike and both have gone very smooth. Mike keeps me up to date with the progress weekly as it goes through the process.

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11/21/2012 - user2332334
Closed refinance loan. Dominion Hills, Arlington, VA

Michael was great to work with. I've recommended him to two other friends who are also working with him on a refinance. I got the best deal ever and am extremely happy with the results.

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11/20/2012 - user203560
Closed refinance loan. Conifer, CO

I have bought and refinanced several houses and this was by far the easiest process that I have dealt with. I will definitely recommend Michael to my friends and family, that's how good the process went.

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11/07/2012 - user1033835
Closed refinance loan. Petaluma, CA

I have refinanced my home with Michael, not only once, but twice! Both experiences were completely flawless. I personally know four other people who have refinanced through him and received the same impeccable serivce and attention.

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10/12/2012 - user56015382
Closed refinance loan. Parkmont, Fremont, CA

I have over the years financed quite a few properties. I wish I had met Michael earlier as the refinance done by him was thorough and expeditious. He has an excellent team that handles all questions, clears any issues that come up and keeps you posted of the progress. There are no hidden fees or surprises at closing and what was committed is delivered. I wish him and his team all the best and thanks for helping me with the refinance.

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09/30/2012 - user9105046
Closed refinance loan. La Quinta, CA

Michael Zapkowski was excellent during the approval process of my refinancing. I never had a problem when it comes to getting my questions answered, and he and Ben Horak kept me constantly informed of what was needed. I was pleasantly surprised how fast and smoothly the whole process went, and I believe a huge part of it was how well Michael and Ben kept me informed, and doing their part to have the loan approved (despite my two week vacation on the middle of it). Michael and Ben handled the whole process very professionally, and at the same time in a very friendly way. I am recommending them to all my friends. Thank you Michael and Ben

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09/10/2012 - user047518
Closed refinance loan. Vista, CA

I have now done 2 refinancings of my house with Michael as mortgage rates have fallen. Of course, I highly recommend Michael since I myself have just used him again on my loan that just closed near record low rates. When using Michael you also get his excellent, professional staff to help handle all those little details. 2 thumbs up!

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09/06/2012 - user252079
Closed refinance loan. Kensington, San Diego, CA

Michael was very helpful and thorough throughout my refi - making it a very easy and painless process!

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