For Borrowers

Your Home.
Your Timeline.

From first-time buyers to seasoned investors, our team guides you through every step — with the right program, clear communication, and a process built around you.

Connect With a Loan Officer Explore Loan Programs

The Process

From Application to Keys

We keep the mortgage process simple, transparent, and stress-free. Here's what to expect when you work with Apex Loan Group.

1
Connect & Consult
Schedule a call with your loan officer. We'll discuss your goals, timeline, and which programs best fit your situation.
2
Get Pre-Approved
Submit your application and documents. We'll issue a pre-approval letter so you can shop with confidence.
3
Processing & Underwriting
We handle the paperwork. Our team works swiftly to get your file through underwriting with clear communication at every stage.
4
Close & Celebrate
Sign the final documents, get your keys, and move into the next chapter. We're with you right through closing day.

Loan Programs

A Program for Every Borrower

We offer a full suite of mortgage products to match your unique financial picture and homeownership goals.

CONV
Conventional Loans
The most common mortgage type — ideal for borrowers with solid credit and a stable income looking for flexible terms and competitive rates.
  • Down payments as low as 3%
  • Fixed and adjustable rate options
  • No upfront mortgage insurance with 20% down
  • Loan amounts up to conforming limits
FHA
FHA Loans
Government-backed loans designed to help first-time buyers and those with less-than-perfect credit achieve homeownership.
  • Down payments as low as 3.5%
  • More flexible credit requirements
  • Competitive interest rates
  • Great for first-time homebuyers
VA
VA Loans
An exclusive benefit for veterans, active-duty service members, and eligible surviving spouses — with exceptional terms and no down payment required.
  • No down payment required
  • No private mortgage insurance
  • Competitive rates for eligible borrowers
  • Flexible qualifying criteria
DSCR
DSCR — Investor Loans
Debt Service Coverage Ratio loans allow real estate investors to qualify based on property cash flow rather than personal income — ideal for scaling a portfolio.
  • Qualify on rental income, not W-2s
  • Short-term and long-term rentals eligible
  • LLCs and entities accepted
  • Single-family, multi-family, and condos
Jumbo
Jumbo / High Balance Loans
Financing for higher-priced properties that exceed conforming loan limits. We offer competitive jumbo solutions for luxury and high-cost market purchases.
  • Loan amounts above conforming limits
  • Primary, second home, and investment
  • Competitive rates for well-qualified borrowers
  • Flexible program structures

FAQ

Common Questions

Everything you need to know before getting started.

The right program depends on your credit profile, down payment, income type, and goals. Our loan officers will review your full picture and recommend the best fit — whether that's a conventional loan, FHA, VA, or a non-QM product like DSCR.
Most purchase transactions close within 21–30 days once a complete application is submitted. Timelines can vary based on property type, loan program, and how quickly documentation is provided. We work hard to keep things moving.
Typically you'll need two years of tax returns, recent W-2s or 1099s, 30 days of pay stubs, two months of bank statements, and a government-issued ID. Your loan officer will provide a personalized checklist based on your situation.
A full pre-approval does involve a hard credit pull, which may have a small, temporary impact on your score. However, multiple mortgage inquiries made within a short window are typically treated as a single inquiry by the major credit bureaus.
Yes. Self-employed borrowers can qualify using tax returns, bank statements, or — for investors — DSCR programs that bypass personal income documentation entirely. We have flexible programs designed specifically for non-traditional income situations.
DSCR stands for Debt Service Coverage Ratio. It's a loan type for real estate investors where qualification is based on whether the property's rental income covers the mortgage payment — not your personal income. It's ideal for investors who want to scale without being limited by traditional income documentation.