Jim Apessos

Loan Officer 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 10 states, including California, Arizona, Oregon, Washington, Colorado, Illinois, New Jersey, Maryland, Virginia, and Florida.

What My Clients Say

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.

- 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.

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.

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
3131 Camino Del Rio North
Suite 800
San Diego, CA 92108

Phone:
(619) 610-9800

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