Jim Apessos

Sr. Mortgage Loan Originator at Midwest Equity Mortgage, LLC

Jim is originally from the east coast and grew up in the Bucks County suburb of Philadelphia, PA. In 1999, he left the City of Brotherly Love and relocated to America’s Finest City, San Diego, CA. Although he now calls San Diego home, Jim is still a huge Philadelphia Eagles, Phillies, and Sixers fan.

Jim is extremely positive and has a passion for helping people. His tremendous attention to detail along with his experience enables him to structure and close loans quickly and smoothly. He makes every client feel like they are the most important client and takes pride in providing outstanding service.

When Jim isn’t working, he spends his time with his beautiful wife Rita and their West Highland Terrier, Rocky. He enjoys working out, watching sports and movies, billiards, and all of the outdoor activities San Diego has to offer.

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Call Jim Apessos at (619) 610-9806.

Education and Experience

Jim graduated from the Pennsylvania State University with a Bachelor of Science in Marketing. He has been in the mortgage industry for over 20 years and has helped thousands of families with their mortgage needs. He is licensed in 9 states, including California, Arizona, Oregon, Washington, Colorado, Illinois, Pennsylvania, New Jersey, and Florida.

What My Clients Say

Jim Apessos is literally the best at what he does. He knows his business, is honest with and works hard for his customers and has integrity. He has helped us refinance our home twice now and I would highly recommend him if you are buying a home or looking to refinance!
- April D.

We had the good fortune to work with Jim Apessos of Midwest Equity recently to refinance our home loan and lower our interest rate. We also worked with him a few years ago on a cash out refi. Back then he told me he wanted to become our loan officer for life. With the outstanding job he's done in the past he certainly will be our only choice going forward. If you're in need of a loan officer you can't do better!
- Chris G.

Jim Apessos is very professional and makes refinancing very easy. He explains what to expect and also schedule appointments on my time. I've tried other's in the past and wasn't happy. This is my 2nd time working with Jim..
- Yvonne L.

Jim Apessos is excellent. He is really knowledgeable and takes the time to explained what various options are available. More importantly what the long term outcome of each choice will mean financially. He is not going to put you in a situation that is not in your best interest.
- Charlene B.

I sent Jim Apessos a request to look at our mortgage rate as the news of the fed making changes was emerging. He advised me to wait and when the rates were favorable we would act. Turns out the rates changed within a month and within a month of that we refinanced to save over 1/2 a point on our new loan- close to $800. It was an easy process with nothing out of pocket and a modest bump in the principle which I got back by skipping a month of payments. Great job, and clearly looked out for our interest by shopping for the best rate and program that worked for us. This is the 2nd time I have used Jim to lower my rate. Outstanding service!

- Jerry G.

Great mortgage process with Jim Apessos . All went according to plan with no surprises. Would recommend to new homeowners or those looking to refinance.
- Roseann D.

We have used Jim Apessos multiple times and have never had any issues.
- Joalice G.

We turned to Jim Apessos in desperation after a mortgage refinance we were working on through Wells Fargo fell through. We were 2 months in with a provisional approval when they suddenly asked for documents we could not provide. Jim was able to get our loan through in 1 week at a lower rate and with lower fee's. He even paid for our appraisal. He was very professional and responsive and answered all our questions. I sure wish we had found him sooner. Would have spared us a lot of time and stress.

- Maureen G.

Jim Apessos is excellent. He was referred to me by a friend and I'm so glad because he was so easy to work with. Kept me updated every step of the way. He let me know what was going on and when. When he first looked over my paperwork to the day we were signing he was only a dollar off of what he had told me the new payment would be. I will use him over and over again. I would highly recommend that you give Jim a call if you thinking about refinancing or buying a house!
- Alvin F.

I cannot say enough about Jim Apessos and how it was such a pleasure working with him. What could have been a really cumbersome process of getting our home financed was really easy with Jim. He made sure we didn’t have a difficult time and always stayed in touch with us with each and every step. I would call him probably more times than I should have when I was buying my first home but he took every call and was always happy to talk to me. I wholeheartedly recommend Jim and his wonderful work.
- Roland B.

Jim Apessos is what every professional should strive to be - attentive, very knowledgeable about his field, fast and reliable! I consider myself lucky to have found Jim - he helped us refinance our house in the most convenient, timely and painless fashion possible. The whole process, start to finish, took 2 weeks and involved one or two phone conversations. After the initial conversation, most everything can be done on-line (which I did).

Jim followed up 6 months later to offer a no fee refi to lower our monthly payments since my credit score had improved significantly. The second refi was just as easy and took less time, and I didn’t have to do anything for it other than review the terms, agree and sign:)

Extremely professional with deep knowledge of his field and ability to think through specific situations quickly - I will absolutely use Jim's services again and will recommend him to anyone who will listen! Thank you so very much for your help, Jim.
- Yulia K.

This is my second time having Jim Apessos help me with a loan. He’s like having an inside track, best friend kind of guy working for you. He goes the extra mile, is good for his word and makes a very challenging process seem easy from my, the borrowers perspective. If there is ever a need again, or anyone I know needs a recommendation, Jim is it!
- Sindy M.

Jim Apessos is the most professional, friendly and informative home equity loan officer I have ever dealt with. I would recommend him to anyone. He keeps his client's best interest at heart.
- Gordon F.

I was fortunate to work with Jim Apessos recently for a refinance on our home. He was excellent to work with all around, as he was not only able to get me the best rate at the lowest cost, but he closed the loan much quicker than I expected. He was constantly communicating status via email and text, and I always felt he was available if I needed to ask a question or had a concern. I have done many loans over the years and this Refi with Jim was by far the best experience overall. We will definitely be using Jim for all our mortgage loan needs moving forward.
- George R.

Jim Apessos is honest, professional, great communication, the best experience I've had so far with a refi.
- Philipp S.

Jim Apessos was excellent. He managed to get my refinance, appraisal, and cash out and back to me within a couple weeks. Communication was great as well.
- Zach W.

My sister referred Jim Apessos to me and I can’t express enough how pleasant it is to work with someone who makes a home loan feel like a walk in the park.
Jim took care of everything!!!
I didn’t have to do anything. He knows I work odd hours so Jim set up the appointment to have my loan notarized at my home so I wouldn’t have to stress going out of my way to sign papers.
My realtor was impressed how fast Jim gathered all the paperwork with no harassment.
I highly recommend Jim if you’re thinking of doing any type of loan and he will find the best rate for you.
Thank you Jim!!! You are awesome!!
- Julie R.

Jim Apessos is awesome!! I have worked with Jim now 3 times over the pass 3-4 years. 2 times refinance and this last time purchasing a new home. His attention to customer needs and service is excellent. His speed at getting things done including loan approval to closure is amazing! If you need to close on a new home ASAP I highly recommend him. Great guy overall.
- John R.

Jim Apessos was phenomenal. He tirelessly worked on my behalf to get my refinance done. I had a special situation that made it a bit complicated, but he was steadfast in getting it done. Really was a pleasure. Not only is Jim super professional and attentive, but an all around fine individual. Totally recommended. Thanks Jim and Midwest Equity.
- Chris C.

Jim Apessos has been fantastic to work with. He is a follow through guy who gives you 100% of his attention.

I originally spoke to him in June. We reviewed my credit and realized that I had issues that needed to be dealt with. He counseled me and provided a plan and direction. We at that time decided to follow up in December.

Well December came and Jim followed up. I was initially discouraged, but he did not let it go. He reran my credit and found that I had taken the steps he had directed me to and we were good to go on my Refi.

Jim continued to take the ball and run with it. We had a target date of 12/28 and we hit it. Jim followed up and coached myself and my wife on the process and made it easy.

We are now so much more financially healthy.

Jim was a professional and a pleasure to work with.

Thank you Jim!!!

- Ron S.

Jim Apessos is what every professional should strive to be - attentive, very knowledgeable about his field, fast and reliable! I consider myself lucky to have found Jim - he helped us refinance our house in the most convenient, timely and painless fashion possible. The whole process, start to finish, took 2 weeks and involved one or two phone conversations. After the initial conversation, most everything can be done on-line (which I did). Extremely professional with deep knowledge of his field and ability to think through specific situations quickly - I will absolutely use Jim's services again and will recommend him to anyone who will listen! Thank you so very much for your help, Jim.
- Joanee' J.

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!
- Sandra G.

Jim Apessos was an excellent help on my Refi and he was there every step of the way. He responded quickly and was very knowledgeable in what he does.
I highly recommend that you call him. You won't be disappointed.
- Jerri M.

I was searching for help in a possible refinance and while i got a lot of people contacting me, the direct/friendly and helpful sounding email I received from Jim Apessos prompted me to email him. Am I happy I did so. We started discussing options, found something that was just what I needed, got the paperwork going and it was the smoothest, quickest process I think I've gone through! Jim's friendliness, helpfulness and professionalism was very welcome and he stayed in contact through this very short process and we got it all done and I could not be any happier! I will use Jim for future processes and I've already referred my family and a co-worker to him! I highly recommend Jim Apessos for your process, whatever that may be!

- Roberta P.

Jim Apessos shepherded my refinance from beginning to end with utmost professionalism. He is 5 stars through and through! He knows the ins and outs of the mortgage industry, answers your questions in plain speak and with full transparency, and will go to great lengths to adapt to any of his customer's sudden challenges. Beyond being very professional, Jim also shows his human side by getting to know his clients on a personal level. In the end, his work's end product speaks for itself: I obtained an outstanding interest rate I didn't even think was possible while shopping around other mortgage lenders. He gets two enthusiastic thumbs up...three if I had one extra!
- Ardy L.

We turned to Jim Apessos in desperation after a mortgage refinance we were working on through Wells Fargo fell through. We were 2 months in with a provisional approval when they suddenly asked for documents we could not provide. Jim was able to get our loan through in 1 week at a lower rate and with lower fee's. He even paid for our appraisal. He was very professional and responsive and answered all our questions. I sure wish we had found him sooner. Would have spared us a lot of time and stress.
- Maureen G.

Jim Apessos was awesome! Made the entire experience quick & easy! He was super efficient and very responsive to all questions. He explained all our options in an easy to understand fashion. He was friendly and most importantly honest. Any future mortgage needs Jim would be my first call.
- Lisa T.

Jim Apessos has the best rates. I shopped around and he beat everyone, even Chase and I'm a preferred client. He was very professional and a pleasure to work with. Buying a house was stressful but the mortgage part was super smooth.
- Alex R.

- Pablo V.

I stumbled upon Jim Apessos a couple of years ago and thought he was a charming robot. He's not, he IS an unwavering professional, reliable, honest, & incredibly easy to work with. I had some frustrating experiences with mortgage brokers and told Jim straight away & also that I wanted someone who was going to help me pay attention to the market and help me steer our housing investments because I'm a busy professional person working full time and raising a family (like so many of us, am I right?) Jim has done that & more. He's set us up for success & I'm lucky to have been able to add Jim to the roster of professionals I trust and would recommend to my friends and family.
- Brittany G.

We have used Jim Apessos twice now for refinances and have found him to be quick, professional, and extremely courteous. His financial products have always had the best rates for the lowest fees - and we checked around. Whenever we need to acquire a new mortgage, refinance, or suggest a mortgage broker to a friend we will absolutely recommend Jim. The best!
- Sandra B.

Absolutely great service. He was able to streamline my home loan so super fast...Jim Apessos was extremely helpful and was always quick to get back to me if I had any questions. I recommend him highly!
- Maria G.

Jim is the BEST to get the BEST deal for you. I should frame the rate that was offered for my refinance of jumbo loan that was closed in May, 2016. Trust me, Midwest offered a very very competitive rate as I've been monitoring the rates every day for about an year. I really enjoyed working with him through out the process as he educates and guides you on what is RIGHT for you. I've learnt a lot through out the process. Jim is extremely very well knowledgeable and his high professionalism, positive attitude, patience to explain everything has been immaculate. Outstanding service as everything is electronic and followups/updates are prompt even on the week ends from Jim. Very well deserved individual for both the hard work and smart work he put in to close it in 4 weeks.

I HIGHLY recommend Midwest Equity Mortgage and Jim Apessos.
- Kiran A.

Jim Apessos was a phenomenal loan originator. He tirelessly worked on my behalf to get my refinance done. I had a special situation that made it a bit complicated, but he was steadfast in getting it done. Really was a pleasure. Not only is Jim super professional and attentive, but an all around fine individual. Totally recommended. Thanks Jim and Midwest Equity.
- Christopher C.

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.
- Charles S.

Great experience with Jim at Midwest Equity!! We've been with Quicken for many years and Jim @ Midwest Equity beat Quickens best rate. He was very professional and friendly. The entire process was about three weeks and we closed. Great job and thank you very much for a great experience!!
- Glenn S.

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!
- Brenda N.

I had such a pleasant experience the first few times I used Jim Apessos at Midwest Equity Mortgage that I ignored the advice of my Real Estate agent and insisted on using him again when I bought a new house recently. And true to form, Jim was great. The whole process was seamless and quick. And I made a believer out of my Real Estate agent in the process. Jim was always available by phone or email and was very helpful through the whole process as he always has been in the past. I would gladly recommend him to anyone who needs a refi or a whole new mortgage. You can trust that he'll do the right thing and treat your loan like its the only one he's working on.
- Bonnie T.

I just closed escrow on my new property and Jim Apessos was so awesome! My mom referred me to him. He was very patient and attentive to my (MANY) questions and needs. He was always friendly and remained professional and calm in the midst of the home buying process. Highly recommended!!
- Tricia W.

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!
- Asako S.

I recently refinanced my home loan with Jim.
the whole process was fast and easy.
He is very helpful and professional. Highly recommended!
- Fay A.

Outstanding service and competitive rates. Jim helped us navigate our ReFi and made it a smooth and pain-free process. I highly recommend Jim's services and will definitely contact him for any of my upcoming mortgage needs.
- Drew B.

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 Jim's 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.
- Lorne E.

Jim Apessos is amazing! After a brutal 3 month process trying to refinance with a different lender, I contacted Jim at Midwest Equity Mortgage and he had us refinanced within 20 days with a better rate. On top of refinancing us quickly with a great rate, he was super easy to work with, friendly, knowledgeable, detail oriented and always easy to get a hold of and ready to answer my questions. I'm recommending him to everyone I know as well as keeping his information for our own future buying or refinancing needs. Thanks again for everything Jim!!
- Crystal L.

We refinanced with Midwest Equity Mortgage 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 Midwest Equity!
- Beth K.

I was looking to refinance my 5/1 FHA ARM and tried calling several companies only for them to say they couldn't help me. I received Midwest Equity's flyer in the mail and decided to give them a try. Jim Apessos quickly assessed my situation and not only did he say he could help me, he gave me 3 different options with pros and cons for each option. I decided to go ahead with Midwest Equity. It was a great experience and I now have a fixed rate, with a lower payment and no more mortgage insurance. Jim literally saved me thousands where all other companies didn't even take the time to look at any options for me. Thanks Jim!
- Devang D.

I received a Midwest Equity flyer in the mail and was skeptical of the offer. I decided to see if the offer had merit and was thrilled I made the call. My previous loan was FHA and Midwest Equity converted it to Conventional in 3 weeks. Jim Apessos handled my refinance impeccably. He diligently walked me through the whole process. He informed me of my options and went above and beyond to secure a loan even though I had a high debt to income ratio. The Midwest Equity team I interacted with have great customer service etiquette and are professional and friendly. Thanks Jim and Midwest Equity for the fantastic service I received.
- Ron O.

I refinanced my home and worked with Jim Apessos. He was great, friendly, fast, and always called me to let me know how things were going with my loan process. He was even willing to stay late to accommodate my crazy military schedule. Refinancing with Midwest Equity and Jim was fast and easy! I can't recommend them enough.
- Holly H.

I refinance my home twice with Jim Apessos. Both times Jim provided fast service with a great interest rate. He is knowledgeable and answered all my questions. I recommended Jim to several friends and they also had a smooth mortgage process. I highly recommend Jim and Midwest Equity Mortgage.
- Sol F.

I couldn't be happier with Midwest Equity and Jim Apessos. Jim was honest and upfront about the entire process and I was signing loan documents in 2 weeks. He found the right loan for me and the process was hassle free. I would highly recommend Midwest Equity to anyone looking for a home loan.
- Anna E.

Working with Jim Apessos was the best experience I have ever had in many years of doing mortgage loans. He made the process completely painless. What a wonderful change from years of bad experiences.
- Paula M.

I got introduced to Jim Apessos from my brother's David and Eric Tran who also refinanced with him. He is a great loan originator and very friendly. He helped me refinance my home within 2 weeks. He was very easy going, confident, and answered all my questions. Midwest Equity's process was very fast and they kept all their promises. I will use Jim and Midwest Equity for all my future mortgage needs.
- Jimmy T.

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Office Location

San Diego Office:
Midwest Equity Mortgage, LLC
7676 Hazard Center Drive
San Diego, CA 92108

Phone:
(619) 610-9802

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