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Broker Associate, CA BRE License (11 years experience)
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!
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.
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.
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.
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.
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
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!