Who has the best rates?
FACT: We're not like the other guys
As rates go up... there will be fewer loan officers, lenders & big banks trying to make a fast buck.
In the next few months.... more highly compensated "loan officers" will be looking for work.
We are here for the long haul... When you call us in 2 years, we will still be around doing loans.
Looking to work for us? We don't want the loan officer looking to making over 2% compensation.
FIRST: You will get the best deal
Our rates are lower because our "Lender Compensation" is set lower than our competitors.
Lender Compensation is simply how much a lender pays us to do your loan.
You need to know... the more lender compensation that other loan officer made...
the higher your rates will have to be in order to pay them for that high compensation.
(This is commonly called an origination fee and can be paid by you or the lender to the broker)
SECOND: Your loan will close fast
We have always been about doing what is best for our clients, just ask any of them.
We operate using the best technology & business systems so we have the fastest closings... plus we know our business.
You won't miss sleep because you did not hear from us once you are under contract for your new home.
We have always been about doing what is best for our clients...
not our wallets.
Don't believe us? Ask for a "Loan Estimate" quote.
Note: When shopping for the best financing deal...
you should only accept a true "Loan Estimate" that protects you from comparing fake "low ball" closing numbers on a "Fee Worksheet" that does not have TRID tollerances.
Your Colorado and Florida Home Loan Specialists
Welcome to the official site of Apex Mortgage Brokers. We are a mortgage brokerage firm working with over 45 different lenders to find you the right home loan solution to fit your needs in Colorado and Florida. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
(Do other lenders give you an approval this fast? How long is your current bank taking? Make the switch early in the process and avoid headaches later)
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Just like every other lender... we offer the usual products:
- Conventional loans & Conventional High Balance Loans in certain USA counties
- FHA Federal housing Authority Loans
- VA Purchase Loans & VA IRRRL (Interest Rate Reduction Refinance Loans)
- USDA "Rural Area" Purchase Loans
- Jumbo Loans (These have no MI or Mortgage Insurance)
- Home Equity Lines of Credit (So you don't refinance away from your current low rates)
- 2:1 Buy Downs (Will lower payments during the first 2 years)
But that's where the similarity ends... we also offer more unique loan products like:
- DSCR Debt Coverage Service Ratio Loans a.k.a. Cash Flow Investor Loans (Using future rent for income qualification)
- Bank Statement Loans (Self employed borrowers using bank statement deposits instead of income statements)
- One-Time-Close Construction Loans (To be updated soon!)
- Jumbo Loans up to 6 Million Dollars
- Interest Only Payments during the inital 5-10 years of a fixed rate mortgage term
- Reverse Mortgage Purchase Loans
What Our Customers Are Saying *
Ann and Pete McIntosh
Dillon, CO
"Clear to close in 7 days! "
Douglas Trieste
Breckenridge, Colorado
"I wanted to thank Scott for your great service! You are great to work with, timely, on top of it, knowledgeable, kind. and had my best interests. Can’t say enough nor thank you enough."
Steven Foss
Breckenridge, CO
"Excellent experience with Don Reynolds at Incredible Loans. Don is very knowledgeable about the mortgage industry and very responsive to questions and feedback. If I ever have the need for another mortgage, Don Reynolds will be my first call."
United Wholesale Mortgage
2018 Speed to Close
"In recognition of the fastest loan closings in the nation, UWM recognizes Apex Mortgage Brokers in the Top 1% of the lowest number of days from loan origination to closing."
Brian Adcock
Colorado Springs, CO
"Can't say enough positive things about working with Don on my recent home loan! The process was very fast and he communicated and worked with me closely throughout the entire process. Don found the best loan rate available and we closed in probably record time! Don also showed up at closing which spoke volumes about his character and support....would absolutely recommend Don Reynolds for anyone needing a home loan."
Get Pre-Qualified and Start Shopping? Talk to Our Experts Today!