Brian Zapoticzny at On Q Home Loans

Brian Zapoticzny at On Q Home Loans Brian Zapoticzny
Vice President of Mortgage Lending
On Q Home Loans
NMLS 1444050 | AZ LO-0937156 | CA CA-DFPI 1444050

Guaranteed Rate, Inc.

dba On Q Home Loans is an Equal Housing Lender
NMLS 2611

Even if they're not the only consideration in your home loan, FICO Scores are a critical factor. This three-digit number...
06/09/2026

Even if they're not the only consideration in your home loan, FICO Scores are a critical factor. This three-digit number is used by most lenders when making lending decisions.

This graph illustrates the five factors that make up your FICO Scores. Ideally, you'll have a long history of making on-time payments to multiple lenders and have low balances with each of them.

If you're unsure whether you're ready to buy a new home, reply below or message me.

Wondering what a Cash-Out Refinance is? You refinance your mortgage for more than you owe, pocketing the difference in c...
06/08/2026

Wondering what a Cash-Out Refinance is? You refinance your mortgage for more than you owe, pocketing the difference in cash. Use it for home improvements, debt consolidation, or even investing in new opportunities. It's a way to put your home's equity to work for you. Ready to unlock the potential in your property? Contact me to get a mortgage check-up and learn more about the game-changing Cash-Out Refinance!

https://apply.onqhomeloans.com/apply/loan-purpose?loid=37011

Take your investment strategy to the next level. With On Q's short-term financing for residential commercial properties,...
06/07/2026

Take your investment strategy to the next level. With On Q's short-term financing for residential commercial properties, it's easy to purchase, renovate and sell for profit. Connect with me for hassle-free fix-and-flip financing.

https://apply.onqhomeloans.com/apply/loan-purpose?loid=37011

If you're just starting on your journey to own a home, you may be wondering what the difference is between a pre-qualifi...
06/04/2026

If you're just starting on your journey to own a home, you may be wondering what the difference is between a pre-qualification and a pre-approval. One of the best pieces of advice we can give you is to seek a pre-approved status. This will tell you exactly how much home you can afford and show sellers that your finances are in order so they can close quickly. Contact me today to get started!

https://apply.onqhomeloans.com/apply/loan-purpose?loid=37011

Self-employed, small business owners, independent contractors, freelancers, consultant and gig workers who need a home l...
06/02/2026

Self-employed, small business owners, independent contractors, freelancers, consultant and gig workers who need a home loan - On Q Portfolio has your back. We focus on your full financial picture to give you more ways to qualify. And that means an easier path to homeownership. Reach out today!

https://apply.onqhomeloans.com/apply/loan-purpose?loid=37011

Real estate investors have more ways to qualify for a home loan with On Q Portfolio. At On Q, a variety of property type...
06/01/2026

Real estate investors have more ways to qualify for a home loan with On Q Portfolio. At On Q, a variety of property types qualify, with no income needed. Use rental income or cashflow to apply. Discover an easier way to get approved for your next property. Reach out today!

https://onqhomeloans.com/Brian-Zapoticzny

Our doctor program is built to recognize your earning potential, not just your current debt. We offer specialized financ...
05/31/2026

Our doctor program is built to recognize your earning potential, not just your current debt. We offer specialized financing that allows medical professionals a smoother path to buying without putting plans on hold.

0% Down Payment Options: Keep your capital for investments or debt repayment.
Student Loan Flexibility: Don't get held back by student loan debt.

Contact me today to explore the best option for you today.

https://apply.onqhomeloans.com/apply/loan-purpose?loid=37011

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Scottsdale, AZ
85260

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