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- solutions@apex-lending.com
- (803) 474-0374
- Apex Lending
1450 Green Street Suite 505
Augusta, Georgia 30901
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Agricultural loans provide the capital farmers, ranchers, and landowners need to operate, expand, or invest in their agricultural businesses. From land purchases and equipment upgrades to long-term improvements and debt restructuring, these products are tailored to meet the unique needs of farming operations. They also offer a pathway for individuals and families seeking a more self-sufficient or rural lifestyle—making it possible to purchase land, start hobby farms, or fully embrace homesteading.
Commercial loans empower business owners, real estate investors, and developers to take control of their financial strategy by providing access to capital for purchasing new properties, refinancing existing debt, or funding growth opportunities. With flexible terms and a wide range of property types eligible, these loans can provide critical support in building long-term wealth, improving cash flow, and expanding your real estate footprint with financing that aligns with your short- and long-term goals.
Construction loans give you the opportunity to build a home tailored to your exact lifestyle and design preferences. From layout to location, every detail can be customized. Construction loans are designed to simplify the building process, offering a streamlined solution that combines the construction and permanent financing into a single transaction which reduces closing costs, eliminates the need for multiple closings and provides peace of mind knowing your construction financing is secured.
Conventional loans are one of the most versatile financing options available, allowing you to craft a truly customized financing solution that’s built to support your long-term financial success. With customizable loan terms, multiple private mortgage insurance (PMI) structures and flexible down payment options, these loans are ideal for creating a personalized financing solution that aligns seamlessly with your overall financial strategy.
Debt Service Coverage Ratio (DSCR) loans provide real estate investors the freedom to grow their real estate portfolio without the limitations of traditional underwriting documentation requirements. By qualifying based on the subject property’s cash flow rather than your personal income, these loans eliminate common barriers to financing—allowing you to have access to the leverage you need to purchase additional properties, draw equity from existing properties or restructure your current debt obligations to optimize cash flow.
Down Payment Assistance (DPA) programs are designed to expand access to homeownership by eliminating the need for a down payment when purchasing a home. With a variety of customizable options, these programs can help you take advantage of the financial benefits of homeownership sooner, including locking in a stable housing payment, building equity and creating generational wealth.
Other state or local down payment assistance programs may be available based on eligibility.
FHA loans offer a flexible and affordable path to homeownership, especially for borrowers with less-than-perfect credit or limited savings. With more lenient qualification requirements and a wide range of unique program options, FHA loans provide tailored solutions to meet a variety of financial situations and home financing goals.
Hard money loans provide real estate investors with a powerful financing tool that unlocks unique opportunities. With products designed to meet the unique demands of different investment strategies, these loans bypass traditional income and credit underwriting requirements and focus on the property’s value and cash flow—giving investors access to fast capital when timing is critical. Whether acquiring distressed properties to flip, refinancing to restructure current debt obligations or even building new properties from the ground up, hard money loans make it possible to capitalize on opportunities in the market that traditional mortgage loans can not support.
Your home is more than just a place to live - it can be one of your most powerful financial assets. Home Equity loans can be tailored to provide financing solutions that align with your overall short- and long-term financial goals. Whether you need to consolidate high interest debt, complete home improvements or purchase additional properties, leveraging your home’s equity can be an excellent tool to access the capital needed to fund the next step in your financial journey.
Jumbo loans are the perfect solution for financing high-value properties that exceed conventional loan limits. These loans offer flexible, customized solutions that support complex financial profiles and longer-term wealth building strategies. Whether your goal is to preserve liquidity, optimize tax efficiency, or structure a unique real estate purchase, jumbo loans provide the financing solutions and personalization that you need to achieve your goals without compromise.
Non-QM loans are designed to help you achieve your homeownership goals, even if your financial profile doesn’t fit cleanly within traditional lending guidelines. These programs offer flexible solutions to document income for self-employed individuals, real estate investors, and others with unique financial situations—making it possible to take the next step in your financial journey without compromising on timing or opportunity.
Renovation loans give you the ability to finance home improvements, repairs, or upgrades by using the “after-improved” value of the property which creates opportunities to transform a home while building equity from day one. Whether purchasing a fixer-upper or updating your current residence, renovation loans offer a strategic way to fund improvements without draining your cash reserves.
Reverse mortgages offer a strategic way to leverage your home equity without the burden of a monthly mortgage payment. By unlocking a portion of your home’s value, you can supplement your income during retirement, preserve savings and investments, or cover rising living and healthcare costs. This flexibility can provide greater financial security and peace of mind allowing you to enjoy your retirement and retain ownership of your residence.
USDA loans are an excellent solution for first-time homebuyers or those with limited savings who are looking to purchase a home in an eligible rural or suburban area. With no down payment required and reduced monthly costs, these loans remove common financial barriers and make it easier to achieve long-term financial stability and begin building wealth through homeownership.
VA loans are one of the most powerful and flexible financing options available, offering unmatched financial benefits for eligible veterans, active-duty service members, and surviving spouses. With consistently low interest rates, no monthly mortgage insurance and no down payment required, VA loans can help create a strong foundation for financial success and are a valuable tool at any stage of your financial journey.
Agricultural loans provide the capital farmers, ranchers, and landowners need to operate, expand, or invest in their agricultural businesses. From land purchases and equipment upgrades to long-term improvements and debt restructuring, these products are tailored to meet the unique needs of farming operations. They also offer a pathway for individuals and families seeking a more self-sufficient or rural lifestyle—making it possible to purchase land, start hobby farms, or fully embrace homesteading.
Commercial loans empower business owners, real estate investors, and developers to take control of their financial strategy by providing access to capital for purchasing new properties, refinancing existing debt, or funding growth opportunities. With flexible terms and a wide range of property types eligible, these loans can provide critical support in building long-term wealth, improving cash flow, and expanding your real estate footprint with financing that aligns with your short- and long-term goals.
Construction loans give you the opportunity to build a home tailored to your exact lifestyle and design preferences. From layout to location, every detail can be customized. Construction loans are designed to simplify the building process, offering a streamlined solution that combines the construction and permanent financing into a single transaction which reduces closing costs, eliminates the need for multiple closings and provides peace of mind knowing your construction financing is secured.
Conventional loans are one of the most versatile financing options available, allowing you to craft a truly customized financing solution that’s built to support your long-term financial success. With customizable loan terms, multiple private mortgage insurance (PMI) structures and flexible down payment options, these loans are ideal for creating a personalized financing solution that aligns seamlessly with your overall financial strategy.
Debt Service Coverage Ratio (DSCR) loans provide real estate investors the freedom to grow their real estate portfolio without the limitations of traditional underwriting documentation requirements. By qualifying based on the subject property’s cash flow rather than your personal income, these loans eliminate common barriers to financing—allowing you to have access to the leverage you need to purchase additional properties, draw equity from existing properties or restructure your current debt obligations to optimize cash flow.
Down Payment Assistance (DPA) programs are designed to expand access to homeownership by eliminating the need for a down payment when purchasing a home. With a variety of customizable options, these programs can help you take advantage of the financial benefits of homeownership sooner, including locking in a stable housing payment, building equity and creating generational wealth.
Other state or local down payment assistance programs may be available based on eligibility.
FHA loans offer a flexible and affordable path to homeownership, especially for borrowers with less-than-perfect credit or limited savings. With more lenient qualification requirements and a wide range of unique program options, FHA loans provide tailored solutions to meet a variety of financial situations and home financing goals.
Hard money loans provide real estate investors with a powerful financing tool that unlocks unique opportunities. With products designed to meet the unique demands of different investment strategies, these loans bypass traditional income and credit underwriting requirements and focus on the property’s value and cash flow—giving investors access to fast capital when timing is critical. Whether acquiring distressed properties to flip, refinancing to restructure current debt obligations or even building new properties from the ground up, hard money loans make it possible to capitalize on opportunities in the market that traditional mortgage loans can not support.
Your home is more than just a place to live - it can be one of your most powerful financial assets. Home Equity loans can be tailored to provide financing solutions that align with your overall short- and long-term financial goals. Whether you need to consolidate high interest debt, complete home improvements or purchase additional properties, leveraging your home’s equity can be an excellent tool to access the capital needed to fund the next step in your financial journey.
Jumbo loans are the perfect solution for financing high-value properties that exceed conventional loan limits. These loans offer flexible, customized solutions that support complex financial profiles and longer-term wealth building strategies. Whether your goal is to preserve liquidity, optimize tax efficiency, or structure a unique real estate purchase, jumbo loans provide the financing solutions and personalization that you need to achieve your goals without compromise.
Non-QM loans are designed to help you achieve your homeownership goals, even if your financial profile doesn’t fit cleanly within traditional lending guidelines. These programs offer flexible solutions to document income for self-employed individuals, real estate investors, and others with unique financial situations—making it possible to take the next step in your financial journey without compromising on timing or opportunity.
Renovation loans give you the ability to finance home improvements, repairs, or upgrades by using the “after-improved” value of the property which creates opportunities to transform a home while building equity from day one. Whether purchasing a fixer-upper or updating your current residence, renovation loans offer a strategic way to fund improvements without draining your cash reserves.
Reverse mortgages offer a strategic way to leverage your home equity without the burden of a monthly mortgage payment. By unlocking a portion of your home’s value, you can supplement your income during retirement, preserve savings and investments, or cover rising living and healthcare costs. This flexibility can provide greater financial security and peace of mind allowing you to enjoy your retirement and retain ownership of your residence.
USDA loans are an excellent solution for first-time homebuyers or those with limited savings who are looking to purchase a home in an eligible rural or suburban area. With no down payment required and reduced monthly costs, these loans remove common financial barriers and make it easier to achieve long-term financial stability and begin building wealth through homeownership.
VA loans are one of the most powerful and flexible financing options available, offering unmatched financial benefits for eligible veterans, active-duty service members, and surviving spouses. With consistently low interest rates, no monthly mortgage insurance and no down payment required, VA loans can help create a strong foundation for financial success and are a valuable tool at any stage of your financial journey.
