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.
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.
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.
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.
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.
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.
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.
Reviews (10)
Christopher Baldwin
Dec 19, 2020
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Alexandria Hold
Oct 11, 2020
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This was my first time home buying with out a realtor and I don’t know what I would have done with out Joe! He was in constant contact with me, answered right away, and not only helped me out but the seller as well! He made sure I understood everything and answered all my questions. Joe made this process so easy and not stressful at all! I can’t thank him and his team enough!!! 10/10 would recommend!!!!
Brian McGlone
Oct 05, 2020
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We finally found our second home. Michael Ehly was there the whole stwp of the way. Above and beyond is an understatement. Anytime he was needed for advice or question he was an email or phone call away. Never felt like I was on the back burner, always felt as we were priority!!!! Excellent job! Highly recommended!!!
Rachel Fisler
Oct 01, 2020
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Tara Dunnder
Sep 09, 2020
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When we found the house we wanted, we had to put in an offer quickly. Jeff walked us through what was needed and was able to get our information in and got us approved on the same day. He explained everything in detail and presented us with various options for us to choose from in terms of PMI and monthly payments. His expertise and friendly demeanor made it so easy and we felt like we were in good hands the whole time. Jeff is trustworthy and dedicated and we could not have picked a better person to help us with this process. He was always there to answer our random questions and made us feel
Michael Ho
Aug 23, 2020
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Jeff has gone above and beyond to help me with all my real estate investment loans. One of the reasons that made me love Jeff is that he works around the clock. I text him at 11pm expecting an answer tomorrow, and he gets back to me within seconds.
Not only does he has amazing customer service, he is also extremely knowledgeable in his crafts and super creative when it comes to closing hard loans.
Not only does he has amazing customer service, he is also extremely knowledgeable in his crafts and super creative when it comes to closing hard loans.
Kristin C.
Jul 19, 2020
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Bill McKenna
May 28, 2020
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Joe Pizzola
May 17, 2020
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Bill Mervin provided top notch service, got us a great rate, and was able to explain the entire process in a way that anyone could understand. Dealing with large finances is always a stressful experience but Bill put our minds at ease and followed through with everything he said. We will definitely be recommending Bill and co to friends and family!
Sharon Colgate
Nov 18, 2019
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My husband and I just settle on our dream home,. Bill Mervin and his amazing team walked us through every single step with patience, guidance, and the best advice and we could not be more thankful. The Bill Mervin Team at Apex is absolutely number 1 in our books!
We are recommending them to everyone we know in the market for a home!!
Thanks Bill, Kelly, Matt, Mike and the rest of your amazing team!!
We are recommending them to everyone we know in the market for a home!!
Thanks Bill, Kelly, Matt, Mike and the rest of your amazing team!!
