Our access to many lending sources gives us tremendous flexibility to:

• Consider all types of credit and income structures, including those of self-employed individuals
• Provide traditional fixed-rate and adjustable-rate structures as well as alternatives such as interest-only loans and cost-of-funds-indexed mortgages
• Offer home loans on owner-occupied or investment-property single-family homes, townhomes, two-to-four unit properties and condos
• Process loans from application to closing in as few as 10 business days through automated underwriting systems
• Have convenient meeting locations throughout the Washington, D.C.metropolitan area and offer home and office appointments

Apex Home Loans, Inc. Product Offerings:

Home equity loans

Home equity lines of credit

Home purchase mortgages

Mortgage refinancing

No documentation mortgages

Mortgages for separated/divorced individuals

You may want to use your home's equity to make a home improvement, buy a car or boat, expand a business or pay college tuition. Or, you may simply want to consolidate your credit card debt - either eliminating your debt altogether or by replacing many high-interest payments into one, low-interest monthly obligation. A Home Equity Loan could be a smart financial move for you. Many homeowners reserve this type of account to cover a major expenditure.

Also consider these advantages:

• Several low, fixed-rate options
  
• The ability to borrow up to 125 percent of your home's equity
  
• Fixed-rate lump sum payment
  
• An effective way to manage your obligation with fixed,monthly payments
  
• Minimal out-of-pocket expenses

With a Home Equity Line,you gain a credit limit against which you can borrow, repay and borrow again. Use this line in much the same way as you would the cash advance feature of a credit card account. Since you'll pay lower interest rates on a Home Equity Line than you would pay for a credit card account, your dollars stretch further. And if you itemize expenses on annual income taxes, you may be able to deduct annual payments on these lines.

That's not all. Home Equity Lines offer more benefits:

• The ability to borrow up to 100 percent of your home's equity
  
• Access to money as you need it simply by writing a check or transferring money from your Home Equity Line into your checking account
  
• An option of converting to a fixed-rate loan on some products
  
• Low introductory rates for the first six months
  
• Low-or no-closing cost options
  
• It's ideal as an emergency cash reserve

We educate and counsel first-time homebuyers so you understand the financial advantages, expectations and responsibilities of owning a home. Since we embrace technology and the use of automated underwriting, our pre-approval letter is among the strongest in the industry. And, when you decide to buy your next home, we're ready to move when you are with special products and services designed for trade-up borrowers.

Find the alternatives that meet your special needs and financial situation:

• Conforming or conventional mortgages that meet Fannie Mae or Freddie Mac criteria
  
• Jumbo mortgages for large, exclusive homes
  
• Fixed-rate mortgages with the benefit of steady payments
• Adjustable-rate mortgages with rates typically one to two percent below a comparable fixed-rate loan
• 100% financing with no downpayment, plus an extra three percent toward closing costs from a qualified source
• Special loans for the self-employed
• Special loans designed for divorced or separated individuals
• Expertise with investment properties, two-to-four unit properties and condos
• PMI alternative loans to help you avoid costly mortgage insurance payments (80/15/5 and 80/10/10)
• Fast closings

Homeowners consider refinancing their mortgage for many reasons:

• Lower monthly mortgage payments
• Eliminate debt by taking cash out of the home's equity
• Make home improvements
• Convert from an adjustable-to a fixed-rate loan
• Refinance a jumbo loan to take advantage of higher conforming loan limits

Also ask us how to gain a free Home Equity Line with your refinance.

We 'll analyze your current circumstances. And we'll help you make an informed decision about when and how to refinance so that you gain the best financial advantages over time with the lowest overall cost for your situation. What 's more,you 'll experience little paperwork, faster closing and less stress when we handle your refinance.

Not all borrowers are the same, and no single loan program is right for everybody. In recent years, millions of Americans have had difficulty qualifying for a mortgage because they have special circumstances. That 's all changed.

No Income Documentation Loans approve applicants based on their credit and equity rather than income.Even applicants who have complicated incomes, who own multiple properties, or who are contracted as employees may benefit from these loans.

Many No Income Documentation Loans determine mortgage interest rates primarily from your down- payment amount, credit profile and any other items you wish to document.Our total "No Doc" loan doesn't require proof of income, employment or assets. Choose to document any or all of these items individually to obtain even more competitive pricing.

At Apex Home Loans, Inc. , we'll review your situation and work to approve your loan based on your strongest qualifications.

Also consider these benefits:

• Purchase, Refinance or Home Equity Loans available
• Available for all types of properties, including investment properties and condos
• All credit levels, including no credit, considered to qualify
• Downpayment options as low as five percent
  

Individuals who are separated or divorced often may find it challenging to qualify for a mortgage because they pay items such as alimony or child support. We offer the home financing solution.

Apex Home Loans, Inc. specializes in mortgage products designed to help more people in these specific circumstances qualify to buy homes. We offer an extensive line of financing alternatives for individuals who have not worked in some time, who are currently unemployed or who are just starting new jobs.

Many of these No Income Documentation Loans offer attractive benefits:

• Purchase, Refinance or Home Equity Loans available
• All credit levels,including no credit,considered to qualify
• Downpayment options as low as five percent

Did you know Craig is an expert in working with clients going through separation or divorce proceedings? Click here to view Craig's Fox Morning News interview on this topic.

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