Learn About Zipfel Mortgage Group
Broker vs Banker
Using a mortgage broker rather than a traditional mortgage banker allows a client more options. When working directly with a bank, you as a borrower are limited to that bank's rates and products, and regardless of your scenario, chances are there's a better option elsewhere. As independent brokers, we work with the wholesale divisions of multiple lending institutions. We will research all the market based upon your mortgage criteria and report back with the strongest and best positioned offerings from our arsenal of lenders.
Big Lender, Big Fees
Large retail banks have expensive office space, hefty marketing budgets and large staffs which translates into overhead that is reflected in their pricing to the end user. As a broker, we lend money for most of the major banking institutions, but we maintain finanical independence, which enables us to obtain competitive rates while keeping costs low and pass the savings on to you. You can contact us with any other questions.
Michael Zipfel President NMLS #60861
Michael Zipfel, the founder and President of Zipfel Mortgage Group, has been in the mortgage business since graduating from Miami University with a degree in finance in 2001. Focusing on a fundamentally sound approach to home finance, Mr. Zipfel realized early in his career that providing the most aggressive rates and terms requires a low overhead structure. In addition, Michael's analytical approach to mortgage enables him to maximize his clients' dollars by aptly providing advice and product placement based on each client's particular situation, taking into consideration each borrower's ownership horizon, credit & income scenario, downpayment/equity position, and foreseeable life changes, all of which play a major role when selecting the ideal loan scenario. With an emphasis on providing no cost/low cost mortgage options, Mr. Zipfel provides lending solutions that that minimize the risk of financial loss due to life’s curveballs, while still providing scenarios that provide undeniable benefit to the borrower.
Tim O'Brien's Loan Officer NMLS #246789
Tim is a rising star in the industry that is very passionate and enthusiastic about his career. Tim likes to refer to himself as a mortgage planner rather than a mortgage broker due to his dilligence on providing his client's short and long term financial objectives. Tim is a HUD Certified Housing Counselor as well as being a licensed originator in Ohio and Kentucky.
In his free time, Tim enjoys spending time with his family and friends. He is passionate about the importance of financial planning and awareness for young people in our society. Tim is a life-long Cincinnati resident and graduated from Xavier University in 2006 with a Bachelor's in advertising.