Rick has been with Homeowners Financial Group for 9 years specializing in residential finance.  His expertise will help you to understand all the features associated with the loan program you choose and how it meets your unique financial situation.

Nearly 100% of his business is by referral from satisfied clients, Realtors, and trusted advisors.  Rick believes in giving back to the community and supports the CARE FUND.  “No parent should ever have to choose between paying their mortgage/rent or caring for their sick child.”

Rick is a graduate of Florida State University with an MBA in Finance. He has more than 30 years of mortgage lending experience and will guide you every step of the way through the home buying process and take the time to answer any questions you may have.  Rick’s goal is to get you the right loan that creates the most value for you and your family with less stress.


Mortgage Calculator

Use this mortgage calculator to find loan payment. Approximated monthly payment, subject to change.

Latest Posts


Office Phone

Cell Phone

(480) 305-8501




16427 North Scottsdale Road
Suite #145
Scottsdale, AZ 85254

Contact Form

Rick Zapp
NMLS# 226546
Facebook   Linked in   Twitter   Instagram