Midwest Equity Mortgage

4.8 (24 reviews)

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Midwest Equity Mortgage - Mortgage Brokers Near Me - San Diego, California

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Lin H.

6 years ago

I was referred to Midwest Equity Mortgage by LendingTree, so before going through credit score job run and other headaches, I wanted to see their reviews. I contacted Jim Apessos by email because he is not available by phone calls. After introducing myself and explained the reason of my contact, he provided the current refinance rate. I asked if we can speak over the phone, then he stated that he is very busy for a week and it's up to me if i can wait that long or not... This is NOT a professional way to communicate with a customer. Still I was very nice and professional and I asked him about the total closing cost as I received an estimated closing cost from another lender. Jim responded very rudely, that I should get the other lender's offer! Jim Apessos, doesn't want to do business! He is RUDE, ARROGANT, & UNPROFESSIONAL!!! DO NOT WASTE YOUR TIME WITH HIM! read more

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Will M.

255

7 years ago

Jill Mejia is a rock star in the world of home financing/equity! We've refinanced 3 times in 10 years & are in the middle of our 4th. We won't use anyone except Jill. Best customer service & attention to detail as anyone I've experienced in any business. She's made the process, which can be difficult with all the documentation you need to provide & paperwork you need to fill out, as smoothly as can be. She's gone to bat for us each time to get the best rate possible. I've never once gone more than 24 hrs. without a response & the overwhelming majority of times I've had a question or any kind of communication, I usually hear back within the hour... even after 10 pm sometimes when I've emailed assuming I wouldn't hear back until the morning. Talk about dedication! Honest as can be too. We wanted to refi a couple times & after crunching the numbers & the current rate we had at the time, she advised us it'd be in our best interest not to refi at that time... unless absolutely needed. Honesty like this commands trust, which commands loyalty & Jill's our automatic go to whenever we need to refi. read more

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D D.

13 years ago

I was looking to refinance and tried calling many mortgage companies only for them to say that they couldn't refinance me out of my FHA 5/1 ARM. I got Midwest Equity's flyer in the mail and decided to see what they could offer. Jim Apessos quickly assessed my situation and not only did he say he could help me refinance into a fixed rate mortgage, he gave me 3 different options with pros and cons which he went over. He answered my many questions and didn't push me to go with him or his company. I shopped around and still couldn't get anyone to even give me a quote to refinance me. With no obligation monetarily from my end, I decided to go ahead with Midwest and they closed within 4 weeks. It was great because now I have a fixed rate mortgage, with lower payments and my appraisal came in high enough to get rid of my PMI. Jim literally saved me thousands where all other companies didn't even take the time to look at any options for me. Thanks Jim! Highly recommended. read more

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Andie Z.

7 years ago

I seriously do not have enough words for how awesome Shane Smith (and everyone there who helped!) was during what has to be the most soul crushing part of adulting. I naively went into home buying thinking it would be fun. It wasn't. (None of the soul crushing was due to Midwest). Shane kept me calm, answered my questions, my phone calls, and my NUMEROUS emails. You are awesome, Shane!!!! Thank you! read more

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Patty B.

12 years ago

When we needed to find ways to save money after experiencing a sharp dip in income last year AND desperately renovate bathrooms that were falling apart, Matt Dennison was the only mortgage broker who had the expertise to find a lower-interest loan that would help us accomplish both. On top of that, his personal approach of treating us so friendly and fairly during the process was so refreshing and helped ease our concerns during a time of financial stress. I will always appreciate the time and energy he put into helping us when we were at the end our ropes, and proudly recommend him to anyone needing a mortgage broker. He is simply the best in San Diego - period. read more

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Alex R.

173

9 years ago

Jim always responds quickly and is very straight forward in the way he conducts his business. Not to mention his rates are close to the lowest if not the lowest. I have worked with him on a couple projects now and it has been a pleasure. read more

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Jeannette M.

8 years ago

Howard Watson helped me with my loan and up until the documents were signed before a notary all went fairly smoothly and I was impressed he responded to emails and answered phone calls. after the signing he went underground can't get him to answer my questions. Three days later I'm still waiting for answers If you use Midwest equity I would strongly advise you to not use Howard Watson read more

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Melanie D.

6 years ago

Just closed on my refi, and I feel so lucky to have found Alex Raft at Midwest Equity. When I was calling around for quotes, I heard maybe a dozen lies regarding rates, points, fees, etc. But Alex was upfront about what the loan would cost and had the best rate I could find (and I looked long and hard). He made the entire experience pleasant and got the loan done in record time. Hurray for Alex!!! read more

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Beth K.

209

13 years ago

We refinanced last year and everything went very smooth. We worked with Jim Apessos and he was easy to work with, had excellent communication skills and got us refinanced quicker than any of our previous refi's. I highly recommend Jim and his company! read more

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Jerry G.

10 years ago

I had problems in the past finding a good program to refi my house. I have jumbo loan taken out at the height of the market in early 2004 and it needed to go away. MWM did a great job of working with me and made the process easy. All disclosures and the application were done online, and all the documents i submitted were electronic. Made the appraisal came in to justify the loan program and it worked out great.Didn't have to use a pen until the notary showed up at my house to close the loan. read more

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Drew B.

11 years ago

Outstanding service and competitive rates. Jim helped us navigate our ReFi and made it a smooth and pain-free process. I highly recommend their services and will definitely contact them for any of my upcoming mortgage needs. read more

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Sandy C.

11 years ago

Jill Mejia was excellent! My expectations were surpassed by far. This lady knows her stuff. I will highly recommend Midwest Equity and Jill to anyone and everyone! Thanks for a great loan Jill! read more

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Julianne P.

13 years ago

*** I just found out that this review is essentially hidden, and that the 5 star rating I gave them - along with the ratings of others - does not count towards the company's overall rating. These guys were GREAT to work with. Why is this hidden, Yelp?? We just purchased a new home and worked with Matt Dennison, who was highly recommended by our real estate agent. This is my third home purchase, and it was by far the best and easiest experience I've had! Matt is great and was totally on top of things, and communicated to us regularly throughout the transaction so we always knew what was happening. He also gave us several products to consider, and we ended up with a great deal. I honestly cannot recommend him enough, and my husband and I will be customers for life. read more

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Maritza R.

164

8 years ago

We have worked with Jake on a number of transactions, and will continue to do so. He is always looking out for our best interest and goes over and beyond to provide excellent options, on going customer service and is always available when we need him. Thank you Jake for being our go to mortgage lender. We truly enjoy working with you. read more

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M. O.

9 years ago

Had an excellent experience working with Matt at Midwest Equity Mortgage. He takes the time to go over all the options and explain the differences pros/cons for someone who is new in the mortgage market. He was super responsive, kind, and professional. He works hard, understands when there is a sense of urgency, and is there for you, even outside of regular business hours. He was creative with his solutions and resourceful and provided very competitive rates / options. I really liked his honest, straightforward approach. Most importantly, he really has your best interest in mind and is a pleasure to work with. Highest recommendation goes to Matt! read more

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Sabrina D.

11 years ago

Matt is very friendly and did everything he could to help us and it worked. We couldn't have asked for anyone better to get our refi done for us. Thanks Matt for all of your help, effort and hard work. We appreciate it:) read more

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Sydney L.

12 years ago

I have a very similar experience to Dia P. I too am a first time home buyer and don't know what I would have done without Matt Dennison. Matt came highly recommended through friends and did not dissapoint. I had a lot of very nieve questions and was very apprehensive and Matt was extremely patient with me and went over and over all of the details until I felt secure. He was with me through the very end of closing and beyond, which is much more than I can say for my agent who was terrible. Upon the purchase of my home I found that there were issues not disclosed and Matt was very supportive through the resolution of them. I would recommend Matt highly and will be using him again in the future when my situation changes. Thank you Matt!!! Sydney read more

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Brenda N.

11 years ago

My husband & I have refinanced our mortgage with Jim Apessos and Midwest Equity Mortgage TWICE. Each time I researched refinancing with several companies - and Jim always came through with the BEST rate quickly & professionally. His figures were accurate and he jumps right into the paperwork so you can lock in quickly and is quick to answer any questions you have. Jim is a credit to his profession - and obviously loves his job! I guarantee you will enjoy working with him! read more

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Beth K.

10 years ago

Midwest Equity was very professional and efficient in the way they handled our mortgage refinance. Jim Apessos was quick to respond to all our questions. He was very thorough in helping us gather all the documents needed for a refi. read more

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Johnny B.

13 years ago

The entire experience was just great. Shane Smith managed my refinance very efficiently. He vetted the paperwork package in real time which ensured minimal processing delays. Shane was always on point and very responsive to any questions. The timeline from my initial inquiry to closing signatures was only a few weeks, due to the effective management style. I highly recommend Shane and his colleagues, and look forward doing more business in the future. read more

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Tim M.

11 years ago

Matt Dennison, thank you again for the best service in mortgage loans possible. You did it in 2011 and again in 2015. Our realtor recommended you and for good reason. Your communication is the best, we always felt fully informed on the whole process, and when we had a question, you were always there for a phone call or email. You got us the best interest rate possible. We couldn't believe how quickly the whole process moved. We wouldn't hesitate to recommend Matt Dennison for a great mortgage loan. read more

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Lauren P.

9 years ago

I worked with Mike Victor at Midwest Equity Mortgage and I highly recommend him. He was very patient, professional, readily available, and provided me with a clear understanding of my options. His commitment to his clients and customer service was obvious. At all times, I felt he was my advocate and took action to improve my options. I was nervous about working with someone who was not in my area, but working with Mike proved to be a great decision. I strongly recommend him. read more

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Avalon L.

12 years ago

My Husband and I recently purchased our first home, as first time buyers we knew next to nothing about purchasing a home and Matt Dennison came highly recommended to us via a work colleague of my husbands, we had spoken to a few lenders by this time and honestly left each conversation not knowing much more and not feeling any more at ease in this big purchase. So we called Matt and wow!!! Now here is a man who not only loves his job but cares about you getting the best deal he can give, he told us from day one that he wants the opportunity to earn our business and he would be available 24/7 for us. Man did he mean it!!! Matt empowered us with knowledge (he was a wealth of it!) He really was available 24/7, his patience and understanding was absolutely amazing, he really wanted us to feel comfortable in our purchase. We signed the final paperwork for our house this passed Friday and the lady actually commented on how may credits Matt gave us (alot) her exact words were "wow your lender must really like you guys" - basically meaning Matt gave us way more credits than most would. He truly made our home buying experience wonderful, he alleviated so much stress and worry and we truly have complete and utter trust in this man! I know I could actually write alot more about this man but I will just say this - If you want someone who will look out for your best interests, who is knowledgeable about his trade, someone who works 24/7 and is always available, someone with integrity and who will earn your trust then Matt Dennison is your man!! read more

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Lorne E.

11 years ago

What a great experience. We wanted to get out of our PMI and had contacted Jim Apessos last summer. Jim told us that the comps in the area were not high enough and he wanted to contact us after the summer selling season. I figured that was the big blow off and a refi wasn't going to happen. In October we got several flyers from companies wanting to help us refi, my wife called a few and didn't feel comfortable with them over the phone. We still had Jims flyer from last summer so she called him. First thing that impressed me was, Jim remembered who we were. Throughout the process Jim was always there to answer questions and make sure the process went smooth. I don't think he ever goes home, I emailed Jim about a few things on a Sunday night and got an immediate response. I have never had anyone who has assisted me with a home purchase or refinance explain things to me like Jim did. He provided us with options and walked us through the pros and cons of the options, this was all done over the phone. In the end, Jim explained to me why the option I liked (most expensive one) was not in my best interest and saved me a ton of money out of pocket. The process moved amazingly fast and Jim timed the closing to be in our best financial interest. Everyone Jim used that we were in contact with (appraiser, notary, office staff, etc.) was friendly and professional. Can't say enough good things; friendly, helpful, professional, prompt, honest. We're saving money every month and very happy. If you read my past reviews of another finance company I stated that I could only recommend who not to use for your loans, now I can say who I would recommend. Jim Apessos and Midwest Equity Mortgage read more

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More info about Midwest Equity Mortgage

7676 Hazard Cetner Dr
Ste 340
San Diego, CA 92108
Mission Valley
Directions
(619) 610-9800
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Visit Website
http://www.midwestequity.com/

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Review Highlights - Midwest Equity Mortgage

“My husband & I have refinanced our mortgage with Jim Apessos and Midwest Equity Mortgage TWICE.”

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Griffin Funding

(168 reviews)

Banker's Hill

Aloha. If you need a lender who actually understands real estate investing and doesn't panic at the…read morefirst sign of a complication, look no further than Griffin Funding. I worked with Marina Oliver and Shell Contizano on a cash-out refinance for one of my vacation rental properties. Because the property has an ADU and my financials involved multiple businesses, a standard loan wouldn't work. Marina expertly guided us into a DSCR loan. Along the way, our title report pulled up an old judgment that wasn't mine and a pending insurance lawsuit. Where other lenders would have backed out or delayed for months, Shell and Marina communicated clearly, told me exactly what documentation they needed (like an identity affidavit and an attorney letter), and pushed the file through underwriting without missing a beat. They put in the elbow grease and got it done. Five stars all the way. Mahalo!

As an experienced Asset Manager with a company overseeing a portfolio of properties, we are sharing…read moreour experience with Griffin Funding for the benefit of the public seeking mortgage loan/brokerage services. * We engaged Griffin to advise us on options for a DSCR 2nd Loan (i.e. 2nd-lien priority). After many hours of extended discussions and emails over many months with the Loan Officer we felt our situation was clear and a subject property for the loan was selected. * We were given verbal assurances that based on the estimates, projections and models shared and discussed, based on the cashflow and DSCR ratio of the property, a loan would be approved. * An appraisal was then requested and ordered by Griffin. We paid $825 for the appraisal fee. * We then stated the loan amount could be adjusted to meet the DSCR ratio requirement. In the meantime, we met on-going, voluminous documentation requests. * Thereafter, the Loan Officer informed us there was a $100K minimum loan policy but agreed to lower the loan amount to $60K in order to obtain approval. At the same time, the Loan Officer stated the appraisal had nothing to do with the loan approval. * Next, we were told that Griffin would not allow an exception to their $100K minimum loan policy and therefore could not approve the loan. The Loan Officer then (again) proposed we switch to a 1st-Lien Refi (requiring a refinance of the entire loan balance from approximately 3% to 9%+, an option we clearly ruled out at inception). * At that point, we requested the $825 appraisal fee be refunded given the minimum loan policy was not made clear at the outset and the Loan Officer stated the appraisal had nothing to do with the loan approval. Surprisingly, our request for a refund was met with immediate rebuttals, reprisals and accusations. When we referred the matter to the CEO of the company noting Griffin's standard email footer "...our CEO would love to hear from you...", after approximately three months we received an email response. Rather than reaching out to discuss the specifics of the situation, address concerns and consider a reasonable resolution, we were again met with absolute rebuttals and refusal to take any further action. Upon expressing our dissatisfaction once more the response was "...refer all correspondence to our attorney...". In our opinion, individuals and businesses seeking real estate funding/loan services are well-advised not to engage Griffin Funding.

Alex Munoz - Maven Team

(36 reviews)

Banker's Hill

From start to finish, Alex and team were there every step of the way. Super responsive, attentive,…read morehelpful, we literally couldn't have closed on house without them. If I get the opportunity to purchase another home, I will definitely reach out to them first.

Husband and I had an amazing experience with Alex and his team! House buying process was smooth and…read moreeasy with clarity, communication, and a ton of knowledge. As first time home buyers, we felt very comfortable and transparent with Alex. Definitely recommend him and his team.

San Diego Funding

(84 reviews)

Mission Hills

WITHOUT QUESTION! The best mortgage lending experience with Brian Shaw of San Diego Funding!…read moreLet me just say how fortunate we have been to meet Brian as our mortgage broker. Our amazing realtor connected my husband and I with Brian and from our initial conversation to the moment we closed Brian was with us every step of the way. He was so incredibly patient with my one-thousand questions and helped us build confidence to tackle on a HUGE commitment. We knew the home buying process was going to be a challenge as we had no idea where to even begin, Brian made us feel at ease and explained exactly what needed to happen step-by-step to get us funded. One of the greatest qualities in Brian that I really appreciated was his sound advice when it came to completing tasks during the under-writing process along with his pristine organization skills and communication, he made sure we dotted our i's and crossed our t's; With this crazy COVID time in the housing market Brian's great sense of humor made the lending experience much more enjoyable. YOU WILL NOT BE DISSAPOINTED! Once you establish with Brian, he is at your corner non-stop and will work hard to help you get what you need to get in your home, I was amazed how quick Brian had our paperwork and information gathered, approved and ready to go that we pretty much coasted the last 2 weeks before closing. We are so very thankful and honored to have Brian on our side, we will absolutely connect with him again for any lending needs. Brian, we could not have moved forward without your guidance and owe this great achievement of being homeowners thanks to you. Again, thank you for making our dream become a reality... You are the best!!!

My wife and I had to opportunity to work with Michael Campos on our home loan. Michael was…read moreprofessional, educating, and a straight up hustler. He took the time to help us on all our questions. I would recommend him and San Diego Funding team for any home loan or refinancing.

Mark Angotta

(3 reviews)

Hillcrest

Talk about a one stop shop and very pleasant! I'm so glad that we decided to work with Mike! He…read moregoes above and beyond. Answering all of my questions and extremely responsive. Better yet very knowledge on different market places and with different types of loans. It was specially great in my case that the company had a presence both in the east and west for my particular situation it was icing on the cake! He paid attention to all the things I wanted in our forever home and I just can't say enough positive things about Mike and his entire team!

We refinanced our house with Mark and the Guaranteed Rate team and they were extremely…read moreprofessional, great to work with and made the process easy and seamless. The team was prompt to respond to questions and act as a trusted resource and liaison to get the refi across the finish line quickly and with no surprises. We also worked with him at Wells and the level of service and support has been maintained, if not exceeded at Guaranteed Rate.

Allied Pacific Financial

(55 reviews)

North Park

This was the second deal we had with Stephanie and team. We love them. This is the team you need…read morewith the biggest investment for you and your family. We were kept up to date all the way through the process. They made it easy to tell them what we wanted to accomplish and was also provided ideas to even make our plan better. I'd refer them to everyone! Thank you Stephanie and team, (Special shout out to Kathleen)

I was in a pretty tricky spot trying to figure out how to finance some major renovations on my…read morehouse. It wasn't a simple situation, but Stephanie never flinched. She stayed positive, rolled up her sleeves, and found a way to get it done. She made a process that could've been overwhelming feel manageable and even encouraging. What stood out most was how invested she was -- not just in closing a deal, but in truly helping me move forward. I'm really glad I had her in my corner, and I'd 100% work with her again.

Abel Tejeda - The Mortgage Guy

(6 reviews)

Hillcrest

These people advertise that as long as we have equity they have creative solutions. That they have…read morenumerous banks with which they do business. Therefore, they can always find a way to help. That they are unlike other lenders. That really is not true. I have over 50 percent equity in my condo. I spoke to Able a few months ago. He told me that he could not help me because the complex in which my condo is located was in litigation. He said I would have trouble with all lenders because of the litigation issue. That is not a solution. He put himself in a category with all other lenders. As the conversation progressed, Able told me that others have written bad reviews saying that he could not or did not help them. He seemed to be implying that their expectations were too high. That, of course, he cannot help in all situations. I pointed out to him that is their advertising. That as long as we have equity, they can help. So it is understandable that people with equity would be disappointed when the E Mortgage team says they cannot help. The litigation issue at my condominium complex was resolved. I called Able back about a month later. I also texted him. I reminded him of our prior conversation. I told him the litigation issue was resolved. He ignored all of my calls and texts. That is not the response one would expect from two guys who advertise that as long as we have equity, they have creative solutions. It is also very rude. The truth is, they do not have solutions which are not available to any other run of the mill lender.

I just closed on my loan with the help of Tim Baudis and Carlos Rodriguez…read more I'll admit I had several questions and put them through their paces and I have to say they were great!! There was a time delay because I had rain damage right before my appraisal. Tim and Carlos kept a cool head and worked with me to reschedule the appraiser. They suggested I do a little patching and painting and after the appraiser came out I only had one correction requested by him. My point is, through it all they helped me and I am SO grateful! BTW, I had been talking to Tim about this loan for about a year. He always took his time to answer questions and give me numbers and that is what made me go with emortgage Guys. There was nothing in it for him to take all that time with me and he did it anyway.

The Horton Financial Group

(1 review)

Hillcrest

Richard here at Horton does an awesome job. Best rates in town, and he really takes the time to go…read moreover the paperwork you to make sure everything is clear. He's up front about his fees and what he stands to make from you. Not pushy at all. After haggling with a major bank about this for years, I'm so glad that I found The Horton Financial Group. He got me about a point less no-cost loan! Re-fi'ing has never been this easy or cheap. Thanks, Richard.

From the owner: We are here for you 24 hours a day, seven days a week. I invite you to fill out our free case…read moreevaluation form. Or talk to me, San Diego injury lawyer Mike Feldman, right now, toll free, at 619-297-5811 My name is attorney Mike Feldman. I have been practicing personal injury law representing San Diegans throughout San Diego County for over 25 years. I have handled 1000's of cases. I take considerable pride in my law practice and will give you my word that I will do my best to get you the result you deserve. Hiring an experienced personal injury is the key to handling any case, because without a lawyer on your side, you are at a severe disadvantage. Unless you are an expert in this field, you will be all alInjury Lawyer Serving All Of San Diego.one going up against a well oiled machine called the sophisticated insurance industry that has invested billions of dollars in maximizing its profits by minimizing the compensation paid out on legitimate damage and injury claims suffered as a result of their insured's negligent wrong doing. You should also be careful when selecting a lawyer. When you contact my injury law office, you will meet with me personally and I will go over the case with you. I do not send out a non-attorney to meet with you and get you to sign a fee agreement. This is an improper practice and should put you on notice to get a second opinion about your case from another lawyer such as my law office before proceeding further...

Courtesy Mortgage

(31 reviews)

I was introduced to Justin Sheftell by a dear friend. These kinds of recommendations go a long way…read morewhen it comes to mortgage & lenders. My experience with him, on several occasions, has been professional, prompt, & most courteous. I highly suggest Courtesy Mortgage to those of you looking to deal with an A+++ lender. Thanks, Justin. MF LaLonde

Justin and Laura were EXTREMELY HELPFUL and knowledgeable with competitive programs for mortgage…read morepurchases. Thankful to have worked with them!

Wes Shaw - Movement Mortgage North Park

(29 reviews)

North Park

Wes is very knowledgable and did a great job guiding our mutual client thru her loan process and…read morenew loan purchase. Highly recommend. He was always available to myself and our client and all paperwork was completed on time with no mistakes. Great job!

Next month we will have lived 1 year in our home. I still sometimes can't believe we are homeowners…read more!! We wouldn't have been able to purchase our first house without the smart, hilarious, and wonderful WESLEY !! People would normally say this wouldn't have been possible without the RE agent. However in our case, I wanted to strangle the agent who was workin my last nerve. I was THISCLOSE to calling it off. But Wes swooped in with his very high people-IQ, coolly talked me through my anxiety attacks, and was essentially the Lifeline of the house-buying process. I'm not easily impressed by people but with Wes, I seriously can't recommend him highly enough. He went above & beyond to make me feel like he was holding my hand the whole way and that we were his only clients. Which as a first time buyer I reaaaallly needed. Wes had an awesome ability to make me feel very much at ease. He is also a phenomenal explainer which I absolutely appreciated!! SO PATIENT and simplifies terms to make us truly understand. Wes knows his industry front and back, this guy is super sharp don't let his young face fool you. During our time working with him he was usually steps ahead of everyone involved, he anticipated what needed to be done, always knew what to do, and correctly sensed what could be done better to our satisfaction/ needs. Wes, I want to say to you, from my heart and from the hearth of our loving home, thank you so much :) :) :)

The McTygue Group

(2 reviews)

Tom McTygue is the best mortgage broker - he's as good as it gets! He has helped me through 2 very…read moredifficult real estate purchases, which I probably would not have made it through without him. He really goes above and beyond, even to the point of calling up contractors for emergency opinions/estimates, appealing appraisals, and working with you to fix mistakes on your credit report. He will do what it takes to get things done and help you get a good rate on your mortgage. You can trust him for objective advice on financial and real estate matters. I highly recommend him!

I have worked with Tom and his team on multiple transactions over the last 15 years. In addition…read moreto providing excellent guidance and advice, Tom helped me save many tens of thousands of dollars. A home is most often the biggest and most emotional purchase someone will ever make, and having a knowledgeable and proactive partner in the market is exactly why I've chosen to work with the McTygue Group many times. Responsive, knowledgeable, easy to work with and competitive --- the McTygue Group is a solid choice for personal service and a great outcome.

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Greg F.

9 years ago

Chris Rutherford, Midwest Equity Mortgage; we got a great mortgage rate on our new home and we were thrilled to have it! Our nest empty, with retirement on the horizon, we were looking to downsize our home. Having been in our home for twenty-plus years and raising our children there, we were anxious about the process and we were concerned about getting into a contingency situation selling our home and buying a new home simultaneously. Our wonderful, trusted realtor referred us to Chris Rutherford from Midwest Equity; what a great referral it turned out to be! Chris prequalified us and determined that we could purchase our new home without having to sell or close our old home. This afforded us great flexibility in choosing and buying our new home, and allowed us the time to paint, do new flooring and window coverings, and move into our new home, before we listed our old home. Chris was trustworthy, efficient, and very generous with his time, experience, and expertise. Chris' advice was always sound and his uniformly outstanding performance and professionalism were vital to realizing our goals! We got a great mortgage rate on our new home and we were thrilled to have it. After moving into our new home, and doing a few upgrades to improve salability of our old home; our old home sold exactly as planned! But Chris wasn't done taking care of us yet, six months after buying our new home my phone rang and it was Chris advising that mortgage rates had dropped and he could get us a new lower mortgage interest rate, with zero money out of pocket or rolled into the loan! Chris' advice, efficiency, and execution were flawless. He is great to deal with and he is the ONLY mortgage professional I will refer to friends and family! read more

Brittany P.

8 years ago

Very disappointed. We worked with Nick Dokken and I would most definitely not recommend if you're a Veteran. My husband is a disabled and 100% compensated Veteran on a FIXED income which Nick knew about beforehand. We were buying a home with a VA home loan and the broker said that he had everything worked out and us locked in to a decent interest rate. We sent what seemed like endless amounts of paper work to him for weeks and him promising everything looked good and we were right on track. Fast forward to ONE week before close and he informs us that we are $153 short of proven monthly income. One week before close. Almost two months into the whole process. Nick knew what we had from the get go, my husband was completely transparent. He said that everything was going to work and one week before close changed that. Then he wanted to shift the blame to everyone else instead of admitting his wrong. The treatment of a Veteran was extremely poor. He kept saying that he was trying to fix the issue but said we weren't "working" with him. Yet we did everything he asked. He was well aware on our fixed income we couldn't pay off a medical debt that we were already making payments on. We aren't working with him especially and I would not ever recommend him to anyone. This is what gives banks and mortgage companies a bad name. When someone who served his country can be lied to and then screwed around at the very end of a home buying process. Very, very disappointed. read more

Sandy G.

7 years ago

I just completed my 4th mortgage loan transaction with Jim Apessos. I was originally referred to Jim 6 years ago by a family member after I had a bad mortgage experience and was turned down for a mortgage loan by another lender. With Jim's extensive knowledge and experience, he was able to get my loan approved and closed in less than 2 weeks. And at a lower interest rate than I was offered by other lenders. As a matter of fact, Jim has completed all 4 of my mortgage transactions in less than 2 weeks. WOW! He makes the loan process so fast and easy. He always pays for my appraisal upfront so I never have to come out of pocket with any money. The loan process with Jim is risk free unlike other lenders that charge you $500 upfront for an appraisal fee. Jim always keeps constant communication with me throughout the entire process so I never feel like I don't know what the status of my loan is. I can't express how much Jim has helped me over the years. He has been a true blessing to me and my family. If you are looking for the best mortgage professional, outstanding service, competitive rates, and a super fast loan closing, don't waste your time with other lenders and just give Jim Apessos a call directly at 619-737-7879. He is my lifetime mortgage guy. God Bless! read more

A S.

10 years ago

Jim is the BEST! I worked with him twice to refinance my mortgage. He is honest, fast and courteous through the loan application process, and I cannot thank him enough for his amazing professionalism. When I worked with Jim for the first time in 2013, I was only a few months into a new job after being unemployed for over a year. Despite the challenging condition, he got me an incredible deal that resulted in lowering my monthly mortgage payment by $350. Fast forward 3 years, now that I have a steady job, I needed some cash for a major home improvement project. I applied for a home equity loan with a local credit union, but while I was waiting for my application to be approved, I called Jim to see what he had to offer. On the same day, he checked my financial background and approved me, and by the time the Credit Union approved my application, Midwest Equity sent an appraiser to my house and the loan was with an underwriter in no time. The second re-fi closed in 3 weeks after making the call. Jim, as usual, stayed in touch with me throughout the process to ensure everything was going smoothly. Thanks to Jim, I am looking forward to adding a room to my house....my home ownership is getting better and better! read more

Charles S.

10 years ago

I had a superb experience with Jim Apessos at Midwest Equity- He was awesome!! I had a very complex jumbo re-fi that I had worked on with several other mortgage people. When these people slowly came back, one by one, and were unable to complete my application, I turned to Midwest Equity. Without getting specific, Jim explored all the trouble spots on my application with a fine tooth comb, and came back with a course of action that was required to complete it. We did all these things, and he succeeded! We closed last week! Not only was Jim thorough and complete, but he was also quick with a reply or the answer to a question. Here is the best point, Jim PAID for the Appraisal! This was a huge gesture of both confidence and sincerity. None of the other places I went to offered to do such a thing. In fact, they wanted ME to pay for the Appraisal before they even guaranteed that my loan would go thru! I would highly recommend Jim to anyone looking for a loan. I mean it. Chuck from Mission Beach read more

Neely I.