Our team of dedicated professionals at Apex Lending Services makes it a priority to provide you with the necessary tools and information to make the loan process as comfortable as possible.  We can pre-qualify you within 24 hours at no cost or obligation!  We look forward to working for you and thank you for giving us the opportunity to put you in a better financial position. 

Below is a summary of the typical loan process at Apex:

Application Process

By clicking here now, you can apply with us in less than 2 minutes of your time! Once we have received your submitted on-line application, one of our sales executives will call you to introduce themselves and our Company.  If you decide not to apply on-line, and would like to speak with one of our sales professionals, call us today:

(866) 785-2274

Prequalification 

Once we have received your application, we will start the prequalification process immediately.  We will review your credit history and determine what products and services we can provide for you.  Our sales executive will provide you with a good faith estimate of your interest rate, annual percentage rate, loan amount and closing costs of the loan. Once again, at no cost or obligation, you can be approved for a loan within 24 hours.

Final Approval

Once we have pre-qualified you, and you have determined the loan is right for you, we will begin the final approval process.  The final approval process typically consists of the following:

• Verifying credit history
• Verifying employment
• Verifying assets
• Appraisal of subject property
• Ordering Title

See Full Documentation and No Documentation Loans for additional documentation that may be required to complete the final approval process.

Closing your Loan

When you have final approval, you are ready to close the loan.  At this time, our sales executive will call you to set an appointment for you to sign the closing papers.  The closing process typically includes the following:

• A closing agent, such as a title company or Lawyer, will contact you to set an appointment for closing.  The closing will typically be performed at your home or at the closing agent’s office. 

• At closing, the closing agent will review the closing documents with you.  You will be asked to sign the loan documents such as the mortgage, note and Truth In and Lending Statement.

• If you are purchasing a home, you may be required to provide a certified check or cashier’s check to the closing agent to cover the down payment and closing costs.  Upon execution of the closing documents, your loan will be funded and you will receive the keys to your home along with copies of all of the closing documents.

If you are refinancing your home, the closing costs may be paid from the cash out of your new loan.  Once the closing documents have been executed, federal law requires that you have three days to further review the documents before the loan is funded.