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Benefits of Working

With Apex Lending

Finding a Lending Partner who understands your situation, goals, and desires when it comes to building long-term wealth isn't easy. Most Lenders are transaction focused, we at Apex Lending wish to forge a relationship. Our relationships are built on trust, performance, exceptional service, while always keeping your best interests at heart. We tailor your mortgage experience knowing where you are today, and where you want to go in the future.

QUICK RESPONSE TIMES

Time is money and communication is king. Quick action expediates loans. We communicate quickly and often.

BENEFIT: Always informed.

BROKER BENEFITS

We have more choices, more programs, and competitive pricing.

BENEFIT: Get the best financing available.

STRONG ORGANIZATIONAL SYSTEMS

Our refined process provides optimized efficiency. It accommodates aggressive closing times and reduced contingencies, while maintaining a high level of service. 

BENEFIT: Secure a contract quicker.

RECEIVE PROACTIVE LOAN UPDATES

Our milestone-driven process ensures all parties are updated throughout the transaction.  

BENEFIT: Proactive, transparent milestone updates.

SUPPORT FROM INDUSTRY EXPERTS

Trust our experience. Our unique mortgage background empowers our industry knowledge, guideline expertise, and ability to structure loan approvals for the most unique scenarios.

BENEFIT: We make it happen.

LOAN TYPES

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Conventional Loan - A conventional loan is any mortgage loan that is not insured or guaranteed by the government (such as under Federal Housing Administration, Department of Veterans Affairs, or Department of Agriculture loan programs). 

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FHA Loan - FHA loans are loans from private lenders that are regulated and insured by the Federal Housing Administration (FHA). FHA loans differ from conventional loans because they allow for lower credit scores and down payments as low as 3.5 percent of the total loan amount. Maximum loan amounts vary by county. 

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VA Loan - A VA loan is a loan program offered by the Department of Veterans Affairs (VA) to help service members, veterans, and eligible surviving spouses buy homes. The VA does not make the loans but sets the rules for who may qualify and the mortgage terms. The VA guarantees a portion of the loan to reduce the risk of loss to the lender. The loans generally are only available for a primary residence.

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USDA Loan - A USDA loan is a mortgage option offered by the United States Department of Agriculture (USDA) for eligible rural and suburban homebuyers. These loans are part of the USDA Rural Development Guaranteed Housing Loan Program and offer 100% financing, meaning no down payment is required. USDA loans are designed to promote homeownership in rural areas and typically offer lower interest rates and flexible credit guidelines.

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Jumbo Loan - Each year Fannie Mae, Freddie Mac, and their regulator, the Federal Housing Finance Agency (FHFA), set a maximum amount for loans that they will buy from lenders. Mortgage loans are allowed to exceed these loan limits. Larger loans are called jumbo mortgages. The cost of obtaining a jumbo mortgage may be higher than the cost of obtaining a conforming mortgage.

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Reverse Mortgage - A reverse mortgage is a type of loan available to homeowners aged 62 and older that allows them to convert part of the equity in their home into cash. Unlike traditional mortgages, there are no monthly mortgage payments; instead, the loan is repaid when the homeowner sells the home, moves out, or passes away. Reverse mortgages can provide increased cash flow and financial flexibility during retirement, offering options to receive the funds as a lump sum, line of credit, or monthly payments.

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Non-QM - A non-qualified mortgage — or non-QM — is a home loan that is not required to meet agency-standard documentation requirements as outlined by the Consumer Financial Protection Bureau (CFPB). These loan programs include alternative styles of financing for those with more complex income scenarios and often times geared toward assisting Real Estate investors.

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Home Equity Line of Credit - A Home Equity Line of Credit (HELOC) is a revolving credit line that allows homeowners to borrow against the equity in their home. This type of loan offers flexibility, as borrowers can draw funds as needed and only pay interest on the amount borrowed. HELOCs are useful for financing major expenses such as home renovations, investment opportunities, or starting a business, without refinancing an existing mortgage.

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Home Equity Loan - A Home Equity Loan allows homeowners to borrow a lump sum against the equity in their home. These loans typically come with fixed interest rates and are repaid over a set period, making them ideal for large expenses such as home improvements, debt consolidation, or other major purchases. Home Equity Loans provide a way to leverage the value of an existing property while leaving the original mortgage untouched.

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"Jared & Sarah are absolutely magic makers! I could rave for hours about the quality of service we received from them! I always have a million questions & they always had answers. Anytime I would call they answered or got back to me that day. They made sure every one in our process was doing their part to ensure we closed on time. They made this process so much easier and less stressful than how it started as we were going through a different company at the beginning. Once we switched over to Jared & his team it was incredibly smooth & so much less stressful. I can NOT thank Jared & Sarah enough for all they have done for my husband & I. I will forever highly recommend Jared & Sarah to anyone looking to purchase a home!"

- NICK & BRITTANY

TESTIMONIALS

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