Cincinnati magazine FIVE STAR mortgage professional




John F. Barrett ENTREPRENEUR AWARD honoree, 2015






Zipfel Capital exemplifies the values and strengths we seek in partners for our clients. Zipfel Capital has a team of experts that take the time to fully understand the financing needs of our clients. The team works diligently to create a personalized strategy that helps accomplish the goals of our clients’ overall financial plan. Our interaction with Zipfel Capital has been collaborative from both the client and advisor perspective.

Dan Vogepohl, Principal at Wealth Dimensions

As a self-employed entrepreneur and real estate investor, residential lending regulations can present a number of obstacles. Tim O’Brien and Zipfel Capital have been able to deliver for me in ways no one else can. He specializes in placing lending solutions for business owners and real estate investors like me. His responsiveness and execution is second to none.
- John Heekin, Principal at Source 3 Development
Mike Zipfel and his entire team represent all that is right about the mortgage process. They embrace the client like no other and bring a passionate work ethic that is invaluable. Mike is a true Cincinnatian with a heart of gold and has a mortgage acumen that is second to none
Mike Bohn, Univ. of Cincinnati Athletic Director
Over the past ten years, I worked with Tim O’Brien and Zipfel Capital on five occasions.  Tim’s knowledge of the industry and trustworthiness is what keeps me coming back. If you are searching for the best commercial or residential loans, it would be a mistake not to call Tim before deciding.
Charlie Rittgers, Attorney at Rittgers and Rittgers

I've been working with Tim O'Brien and the team at Zipfel Capital for a number of years now. They are the first name on our list of recommended lenders to any client of ours because of their top notch level of service. That said, we always offer our clients a choice. They have the opportunity to select whoever they work with and it says quite a bit that they seem to ALWAYS select Zipfel Capital. Our real estate team has very high standards for anyone we recommend so the fact that we keep coming back to Tim is a testament to how great they are.  In a highly competitive market, they continue to offer the best products to our clients communicate at the highest level and always make our clients happy.  If you're looking for a mortgage or to refinance, this crew should be your first call. 
Michael Hines, Co-Founder Build Cincinnati

I could not have been more pleased with my Zipfel Capital experience.   Mike and his team went out of their way to ensure I received the best product tailored to my specific needs.  Each team member I interacted with was personable, knowledgeable, and effectively communicated each step of the lending process.  Zipfel Capital is the only place I’ll look to for my future lending needs
Dr. Christopher South M.D.
As a first time home buyer, we had an excellent experience with Zipfel Capital. Excellent communication every step of the way. Will be using them again on my next home purchase.
Chris Wieland
When building a home Zipfel Capital's flexibility and expertise made all the difference. Reaching out to Blake Zaring and consulting with the Zipfel team, we ended up with more options and better terms than we thought possible.  
Brett Heekin, Entrepreneur
Our experience with Zipfel Capital was fantastic. Ultimately they were able to provide us an interest rate that was a half point lower than our bank, and at a third of the costs. Once we were presented our mortgage options, we realized we could afford more house than we originally anticipated
Dr. Eric L. Eisenhauer M.D.
I recently purchased a business and The Zipfel Capital team found me several lending options while other banks told me I didn't qualify. Mike found several different solutions to pick from which made life easy. 
Jon Enia, Owner at Maker Creative
I’ve worked with Tim at Zipfel Capital on a number of occasions over the years and each time he's presented me with the best mortgage products the market had to offer. He thinks outside the box to achieve our best end result and works tirelessly to resolve any obstacles along the way. Above all else, he always followed through on what he said he would do. I have and will continue to refer him to friends & family.
Chris Cardone, M.D. Director of Anesthesia, Riverview Health Institute

Zipfel Capital offers an unmatched level of professionalism, communication and expertise. We’ve worked with Tim O’Brien and he has consistently provided better terms than any loan professional we’ve worked with. He represents the best interests of his clients and shops with several different lenders to ensure he finds the best terms. We always felt as though Tim worked for us, not the lenders he does business with. In our most recent loan, we discovered an issue with the way the loan documents were recorded long after closing and Tim went out of his way to ensure the issue was addressed and corrected. We refer as many of our friends & clients as possible. 
– Christine Carleton, Principal at Truepoint Wealth Counsel & Tom Carleton, Executive Director at the Leukemia & Lymphoma Society


I completed two separate commercial transactions with Zipfel Capital this year. I was pleased with the financing options they secured which beat the market. The Zipfel team did an excellent job managing the underwriting process and determining the best solution for our needs. Their client focused approach made both transactions feel organized and efficient from start to finish. I will certainly use them again in the future.

– Gregg E. Pancero II, President at GPMG, Inc