Jim Apessos

Sr. Mortgage Loan Originator at Midwest Equity Mortgage, LLC

Jim is dedicated to helping his customers make the most of their largest and most important investment - their home. He has built a strong foundation of experience, commitment and customer service, He strives to go the extra mile for his clients - a quality that is hard to find in the mortgage industry today. With over 25 years of experience, he has the knowledge and expertise to help you navigate through the home loan process from start to finish. He can help guide you through our streamlined mortgage process and help you understand your home loan from start to close. You'll discover how easy the mortgage lending process can be when your best interest is the number one priority.

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Call Jim Apessos at (619) 610-9806.

Education and Experience

Jim is originally from the east coast and grew up in the Bucks County suburb of Philadelphia, PA. He graduated from the Pennsylvania State University with a Bachelor of Science in Marketing. He has lived in San Diego, CA for 20 years and most recently resides in Phoenix, AZ.

Jim has been in the mortgage industry for over 25 years and has helped thousands of families with their mortgage needs. He is licensed in 11 states, including California, Arizona, Oregon, Washington, Colorado, Illinois, Pennsylvania, New Jersey, Maryland, Virginia, and Florida.

What My Clients Say

Jim Apessos is very helpful and friendly. It’s always a pleasure working with him. My family and I have done a few refinances, and have always been happy with his service! Jim is very knowledgeable and makes the process very easy. I would highly recommend him. He also keeps you updated with interest rates and recommends the best option for you. Thank you Jim, for all your help and making things a bit easier these past couple of years!
- Wendy F.

This is the second time I have used Jim Apessos to refinance. We talked a few months ago and he advised to wait a while. As soon as rates dropped again, he called and we had the paperwork done and the deal closed in two weeks. I highly recommend Jim & Midwest Equity Mortgage.
- Mark K.

Jim Apessos is very helpful and always available to educate and answer any questions. Will definitely use his services again in the future. Highly recommended.
- Vlad C.

Jim Apessos is absolutely wonderful. We got lucky finding him and he will remain on our roster of advisors as long and as far as his career takes him, which I suspect will give us a great deal of time together. I wouldn’t use anyone else, and recommend Jim to everyone.
- Brittany S.

About a year ago, I contacted Jim Apessos to see if we could get rid of my PMI. Jim was honest and quick with his response. Unfortunately, I had to wait a bit longer to refinance. Jim told me to be patient, and he was absolutely right! This experience was easy and smooth. Jim was always there to answer my questions. Now, my PMI is gone and I am saving money each month on my mortgage! Jim Apessos will be the only mortgage guy I will ever use!
- Kathleen T.

I have worked with Jim Apessos twice so far both when purchasing my first home and recently for a refinance. He does an awesome job walking you through the details of the process and is very transparent especially when it comes to setting up a loan that realistically works within your budget. Also, I appreciate his ability to work quickly and efficiently. His response time when communicating makes the loan process easy. If you do everything on your end as a borrower for a refinance, he can help you get funded within one month! I highly recommend his services if you are looking for a reliable lender.

- Priscilla B.

By profession, I am a loan document signer so I get to work with a lot of lenders and brokers. I met Jim Apessos many years ago and I noticed when I was signing the loans for his clients, they always were so very happy with their experience. In fact, he would have many repeat customers and referrals, all very happy with their lending experience. I have referred many of my friends and family to Jim as well. Just a few months ago, I got to experience his services myself when I was buying a new home. I absolutely loved how he was very upfront and honest with me about exactly what I needed to complete the purchase. He even worked extra to get me a better rate on mortgage insurance which brought my over all payment lower. If you are in the market to refinance or purchase and you want an honest, hassle free experience, I highly recommend you contact Jim!
- Angela F.

Great service, no stress refi with Jim Apessos.
- Martha R.

My family and I have worked with Jim Apessos for many many years. He is extremely professional, knowledgeable, and easy to get a hold of. He will communicate with you every step of the way. I highly recommend Jim and look forward to working with him in the future!
- Alejandra G.

We just completed a home refinance with Jim Apessos. He was awesome. Like he said, it was the easiest mortgage process I have ever been a part of. Jim always kept me up to date and explained the whole process. He was available when I needed to speak with him. Their app was great to use as well and made signing documents and turning in documents easy. Great experience and would highly recommend.

- Daniel F.

Jim Apessos was great. Very professional, helpful, and fast. I have used him before and referred him to family. He will always be my go to for a mortgage.

- Cynthia F.

Jim Apessos was easy to work with, and efficient. He made the entire experience easier. He is knowledgeable personable and has perfect attention to detail.
- Cheryl P.

Jim Apessos is fast and efficient, one of the easiest mortgage refi experiences I've ever had. Thanks again!
- Sung M.

I can’t say enough good things about Jim Apessos. He helped us through a complicated refi with patience every step of the way. Highly recommended!
- Brian W.

Jim Apessos was Awesome! We knew we were in good hands when he came highly recommend by our daughter who also is a loan originator. We offered and closed in 3 weeks, all during covid shut down. Jim made the entire process of us buying our “retirement “ home the quickest and easiest of any home purchases we had ever done. He was always available to answer all emails and questions we had, even with the 3 hour time differences. With his knowledge of the lending industry and outstanding personality , You will not be disappointed choosing Jim for your lending needs.
- Anita G.

Jim Apessos just helped me get a great new home mortgage. He made the process effortless on my part and helped me make reasonable goals for my future. I will be using and recommending his services when my friends and family need the best rates.
- Dawn D.

Great service, Easy process and quick. I would tell people if you want things to go smooth, Jim Apessos is the right person to handle your loan.
- Hernan R.

How easy was that!! Jim Apessos made the process quick and was able to limit the amount of paperwork needed to close. Could not had asked for a better experience. Thanks Jim, let’s do it again someday.
- Dennis S.

Working with Jim Apessos has been such an amazing experience. He made the entire process so simple and easy. He was always available to answer any of my doubts and questions. Made sure I understood everything that was going on. He top it up with a great interest rate ???? he sure made me happy. He will now be stuck with me and be my long life mortgage lender! Thanks Jim you are awesome...
- Maria B.

It was a pleasure to work with Jim Apessos! He does everything possible to accommodate your needs, gets the job done and FAST! I would definitely recommend his services and wouldn’t hesitate to use him again for my mortgage refi in the future!

- Marci O.

Every question received an answer. Kindness was extended during each conversation. It really mattered to me to have Jim Apessos looking out for me. Thank you for your outstanding service!
- Irmina M.

Jim Apessos made everything about the process seamless and stress free! He handled everything perfectly and quickly, professionally, and promptly. I had tried to work with another individual first, he did not compare to Jim’s professionalism and knowledge, They were not even in the same ballpark!... I highly recommend Jim for all of your mortgage needs!
- Erica D.

I’m not one for writing reviews but Jim Apessos definitely deserves one. Excellent communication skills, I knew exactly what was going on throughout the whole process. It was fast, short and sweet!
- Mike M.

I have refinanced with Jim Apessos 5 times, and it gets easier every time... on schedule no surprises, perfect. Highly recommended!
- Todd R.

We refinanced our home with Jim Apessos who was referred to us by my husbands co-worker. He certainly did not disappoint. He was extremely polite and most important, extremely knowledgeable about Mortgages and rates. He will most certainly be our mortgage lender agent, I’ve also referred him to our son and daughter-in-law, and they too, have nothing but great things to say about Jim. He got us a great lower 20 yr fixed rate. Thank you Jim for your wonderful service.
- Yvette V.

My husband and I have had the pleasure of working with Jim Apessos on a few loans. Each time we worked with him he has exceeded our expectations. His years of experience helped ensure that we got an amazingly low rate! He is not only extremely knowledgeable but also very trustworthy. Jim, we will be your loyal clients for life! Thank you for everything!
- Mindy F.

Jim Apessos has been my family’s go to lender for years. He’s very easy to work with, upfront, honest and very efficient. I highly recommend him. Thank you again Jim!
- Florian T.

I highly recommend Jim Apessos! I talked to a lot of mortgage lenders and agents in the past to get rid of the PMI when we purchased our new home and I did not have any success until I talked to Jim. Not only did he helped me and my husband rid off the PMI he also gave us a much better rate. Just recently he helped us again to refinance our mortgage for a much better rate and shorter term and skipped 2 payments and not to mention the closing cost was minimal. Jim is very thorough and kept us posted in a timely manner. He is reliable and extremely helpful. So for those of you who are looking to refinance or buy a home Jim is your go to person. Thank you so much Jim for all that you do. We greatly appreciate you! A very happy and satisfied customer here!!!
- Clara E.

I have worked with Jim Apessos on my last two loans. He is always very responsive and professional. The rates he has provided have always been very competitive. The closing process has always been one of the easiest I have every experienced. The entire process was very smooth from origination through to closing. He even checks in periodically to make sure you are completely satisfied with your experience. I would highly recommend Jim for all your loan and refinancing needs.
- Daniel N.

If you need a mortgage or a refi, Jim Apessos is the Loan Originator for you. I have done several loans with Jim. He is very knowledgeable, extremely responsive, very efficient, and will get you the best rates in record time. Jim and his staff are friendly, professional, and thorough. Give them a call.
- Gary R.

Incredible to work with and my best mortgage / refinance experience by far. Extremely efficient, fast, and straightforward. I was very impressed with the speed to close our refinance in this busy refinancing boom. Excellent work Jim Apessos!
- Omar S.

Jim Apessos is amazing. I was referred to him by a friend who told me great things about him. I loved working with him. In fact he made the process so easy. He was always so kind and quick to response. The refinancing process took only a few weeks and was super easy. He made sure we didn’t worry about anything and kept us in the loop. He constantly kept in touch and made sure we understood the steps to closing. He is so kind and helpful. You will have such a wonderful and smooth experience working with Jim. He is extremely knowledgeable and will give you the best options.
- Wafa H.

Jim Apessos provides the best customer service in the mortgage industry. This was definitely the easiest refi we have experienced. Quick and extremely easy. Plus, we got a great rate and are finally able to relax a bit (financially). I'm referring you to my neighbor and another member of my Elks Lodge.
- Brian C.

I have worked with Jim Apessos to refinance a few times since owning my home and has saved me thousands of dollars over the years. He is always great to work with. He answers all my questions clearly and directly. The process is so easy and streamlined when working with Jim. I have several friends who have refinanced with other companies lately. They have so many complaints from the lack of communication and lack of clarity on the process. I have never experienced that with Jim. Jim definitely is exceptional at managing all the details so I don’t have to worry about it. I highly highly recommend Jim for your mortgage needs.
- Candice S.

Jim Apessos did a great job with our mortgage. Awesome experience, highly recommend!
- Michaela S.

We had the absolute best experience with Jim Apessos. This is our first home and our first refinance and he walked us through each step and explained everything in great detail. He is quick to respond to questions and helped me feel educated on the home loan/refinance process. I heard so many horror stories from friends about their refi process and I am happy to report that we didn't feel one bit of worry or inconvenience throughout ours. Jim is trustworthy and honest and I would recommend him to anyone I know so they can also have a wonderful experience as we did. He will be our go-to guy from now on!
- Christina V.

Jim Apessos was excellent and extremely helpful every step of the way. He was easy to work with and very knowledgeable. I have done multiple mortgages and this was by far the simplest and quickest transaction in addition to the best rate! He is now my go to mortgage guy.
- Tina M.

My Husband and I could not be more pleased with the outstanding customer service we received from Jim Apessos. This is not the first time we have used his services but his attention to detail and knowledge always exceeds our expectations. Jim always goes above and beyond and will do right by all his clients, we will always use his services and recommend him to everyone we know.
- Maria F.

Jim Apessos has helped me with a purchase and then a refi. It’s always easy to work with him and is never a hassle to get documents. Each time I’ve worked with him, the process was completed in a month - incredible with some of my friend’s loans or refis taking literally MONTHS at this time. I will never do my home lending through anyone else.
- Laura Z.

This is the second time I have used Jim Apessos @ Midwest Equity and he saved me over $500.00 on my mortgage. His team makes it easy and fast no issues and keeps you informed the entire time of every step. His notary Sabrina is always happy and so nice when she meets you to get all the paperwork signed. I would recommend Jim to anyone that was even thinking of refinancing!
- Violet L.

I have worked with Jim Apessos on my refis several times now, I keep going back to him because he has made the process easier every time, he is detailed and very clear about the process, he always answers my questions timely and provides the information I need to make my decision easier. Thank you Jim for all your help!!
- Monica V.

This is the first time Jim has set up a mortgage for me, I've had over 30 mortgages and refi's on investment and my own properties, and this was the easiest and quickest by far, Jim Apessos was excellent throughout the whole (very quick) process. Thanks Jim, it was a great experience.
- Dan D.

This is the second time I used Jim Apessos @ Midwest Equity Mortgage. Hands down the best experience! Jim is always very professional, kind and efficient. Refinanced in 3 weeks from beginning to end! Couldn't have asked for a easier process! Will definitely be return customer.
- Theresa R.

We have re-financed several times and this was by far the easiest and hassle free re-finance that we have ever done. A real pleasure to work with Jim Apessos.
- David B.

Jim Apessos did a fantastic job doing my re-fi. The loan process was quick; finished in 3 weeks. He is very professional and I really enjoyed doing business with him. I highly recommend Jim for any loan or re-financing needs. Thank you Jim for such a positive and great experience.
- Melanie G.

I had a very pleasant experience with Jim Apessos. He was very helpful and very straight forward. I recommend him for any loan, or refinancing needs.
- Jozef S.

Jim Apessos is s absolutely amazing!! From start to finish Jim helps you through the process. You will always know the status of your loan and there will be no surprises when it comes time to sign! We have used Jim for both our home purchases and a refinance. This latest purchase was a difficult process due to some less than honest dealings on the part of our buyers' realtor. Jim stayed in constant contact with us, our realtors, and our title company and moved heaven and earth to get our loan funded on a specific timeline so we could close and move in! We will always place our trust in Jim!
- Nicole T.

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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Jim Apessos
Sr. Mortgage Loan Originator
NMLS #229056

jim@midwestequity.com
Phone: (619) 610-9806
Fax: (888) 500-0155
Cell: (619) 737-7879

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