Whether you are buying a home, refinancing to a lower mortgage rate, refinancing to obtain cash or converting from an adjustable-rate mortgage (ARM) to a fixed-rate loan, we'll help you choose the right mortgage loan. Reach out today for a simplified experience and find a home loan that help you achieve your dreams. Call us to find out current mortgage rates!
A FHA Loan is insured by the Federal Housing Administration. This is an attractive housing loan option for many first-time home buyers because it allows for lower down payment and easier credit qualifying. Program can be combined with additional down payment assistance programs to further reduce costs. A Conventional loan is one of the most popular types of mortgage loan programs and is ideal for home buyers with good credit scores.
There are a variety of conventional loan programs with different minimum down payments. We lend both conforming and non-conforming (jumbo) loans. VA loans are provided to current military, veterans, National Guard members, reserve member, and surviving spouses.
A FHA Loan is insured by the Federal Housing Administration. This is an attractive housing loan option for many first-time home buyers because it allows for lower down payment and easier credit qualifying. Program can be combined with additional down payment assistance programs to further reduce costs. A Conventional loan is one of the most popular types of mortgage loan programs and is ideal for home buyers with good credit scores.
There are a variety of conventional loan programs with different minimum down payments. We lend both conforming and non-conforming (jumbo) loans. VA loans are provided to current military, veterans, National Guard members, reserve member, and surviving spouses.
Services
Our team is comprised of Certified Mortgage Planners who take a holistic approach to the home loan consultation and cash flow planning.
As opposed to just spitting out an interest rate and monthly payment, we believe building a relationship and understanding a client's entire financial picture and long-term financial goals allow us to counsel, educate and build a custom mortgage planning strategy.
Our goal is for every client to make confident and well-educated home buying decision.
Our team feels that our job continues well beyond the day of settlement.
As opposed to just spitting out an interest rate and monthly payment, we believe building a relationship and understanding a client's entire financial picture and long-term financial goals allow us to counsel, educate and build a custom mortgage planning strategy.
Our goal is for every client to make confident and well-educated home buying decision.
Our team feels that our job continues well beyond the day of settlement.
Buying a home has been the primary way Americans have built wealth for decades.
In today's world, new technology and a multitude of financing options have intersected to create a host of options for buyers - and they're taking notice.
Whether you're buying your first home or your fifth, we're here to help.
An FHA loan is an attractive option for many first-time homebuyers because it allows for lower down payment and easier credit qualifying.
Program can be combined with additional down payment assistance programs to further reduce costs.
In today's world, new technology and a multitude of financing options have intersected to create a host of options for buyers - and they're taking notice.
Whether you're buying your first home or your fifth, we're here to help.
An FHA loan is an attractive option for many first-time homebuyers because it allows for lower down payment and easier credit qualifying.
Program can be combined with additional down payment assistance programs to further reduce costs.
The Bill Mervin Team by Apex Home Loans are Conventional Mortgage experts!
Conventional loans are any loans that are non-government funded, unlike FHA and VA loans.
They come in two forms: conforming and non-conforming.
Conforming loans follow loan limit guidelines, where non-conforming loans offer the option to exceed loan limits enforced by the government and government-backed agencies.
In terms of mortgages, they offer the best interest rates, meaning they usually result in lower monthly payments.
Conventional loans are any loans that are non-government funded, unlike FHA and VA loans.
They come in two forms: conforming and non-conforming.
Conforming loans follow loan limit guidelines, where non-conforming loans offer the option to exceed loan limits enforced by the government and government-backed agencies.
In terms of mortgages, they offer the best interest rates, meaning they usually result in lower monthly payments.
It means your mortgage is insured by the Federal Housing Administration (FHA).
Lenders are much more flexible with FHA loan requirements and because they have some assurance from the government, you will often receive lower interest rates, lower down payment requirements, and less-strict requirements as they relate to your financial criteria, such as your credit score and job history.
Though you are required to pay mortgage insurance for this type of loans, the benefits you receive far outweigh the small monthly fee you pay to secure it in the first place.
Lenders are much more flexible with FHA loan requirements and because they have some assurance from the government, you will often receive lower interest rates, lower down payment requirements, and less-strict requirements as they relate to your financial criteria, such as your credit score and job history.
Though you are required to pay mortgage insurance for this type of loans, the benefits you receive far outweigh the small monthly fee you pay to secure it in the first place.
Refinancing a mortgage replaces an existing loan with a new loan that pays off the debt of the old loan.
The new loan should have better terms or features that improve your finances.
If you're a homeowner and find it difficult to make high mortgage payments, refinance might be something to consider.
If you can receive a new interest rate that is better by at least 2%, it is generally recommended that you try to refinance and reduce your current interest rate.
If your mortgage payments are too high for your current earnings, you have the ability to lengthen your mortgage and reduce your monthly payments substantially.
The new loan should have better terms or features that improve your finances.
If you're a homeowner and find it difficult to make high mortgage payments, refinance might be something to consider.
If you can receive a new interest rate that is better by at least 2%, it is generally recommended that you try to refinance and reduce your current interest rate.
If your mortgage payments are too high for your current earnings, you have the ability to lengthen your mortgage and reduce your monthly payments substantially.
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