Testimonials 

We're proud of the service we provide to our clients. By using a customer-first model of service, we've seen a lot of happy customers over the years. Here are their thoughts:

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!
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.
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!
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!
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.
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.
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. 
I would highly recommend Jake Rohrbacher at Midwest Equity Mortgage, he was very polite, professional and closed our loan in a timely manner.  He is quick to reply to any email/phone call and did everything above my expectations.
My Loan Officer is from San Diego, California, Jake Rohrbacher, Senior Mortgage Loan Originator. He is No. 1 for both my wife and I. The equity loan was for me to buy out my sister 50% interest in our parent's house. However, it wasn't quite that simple. Jake stayed on course with my wife and I for almost 10 months while I had to work out the legal details with Oregon's Probate Court, Adult Protective Services and Medicare to transfer my older sister from our parents' house into a senior living facility.It is because of Jake's character, integrity and professionalism that my wife and I became owners, together, for the first time in our lives.  Thank you, Jake Rohrbacher and Midwest Equity Mortgage for being there for us.
Jake is the man. When everyone else said no way you can get it done that fast, Jake did it, and faster than promised. A 21 day FHA mortgage that was ready to close 3 days ahead of schedule. I would highly recommend Jake for any of your finance or re-financing needs.
Both my wife and I have nothing less than a 5 star rating for Jake and all of his Co-workers who made our refinance a dream come true. Jake shared customer service  with us that seems to have disappeared from society now days..  Jake shared nothing less than continuous assurance  and encouragement right from the start clear  through to the finish. My wife and I both give Jake and all those who worked with us from start to do finish  a double  thumbs up and 5+ star rating. I guarantee we will do our best to encourage anyone we know looking  to refinance  or buy, to contact Midwest Mortgage, ask for Jake Rohrbacher and give him the opportunity to share with them the fantastic experience that he, they, shared with us. Once again thank you for everything.
Jake has been instrumental to an easy mortgage refinancing process. I usually get stressed out when it comes to paper works but he was very diligent in explaining and answering all my questions. It was his knowledge and professionalism that made me at ease and feel that I made the right choice. He looks out for the best interest of his client and I am very appreciative of that. Thank you so much Jake for your assistance and looking forward for future transactions.
My refinance on my personal property became a bit messy with closing legal issue, having an unique property that needed special care in the appraisal and many other potential "show stoppers" that would have normally derailed the transaction.  Instead, Jake was able to take a complex situation, and quickly and efficiently, break down each large hurdle to a manageable small jump.  He went above and beyond the call of duty and did an excellent job with superior results. Not only would I use Jake for my next transaction, but would highly recommend him to anyone that needs positive results performed quickly.
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.
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.
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.
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.
I can’t even begin to express my gratitude to Jake Rohrbacher at the San Diego branch! I live in Seattle, and he made my refinance so smooth from beginning to end. He answered each of my calls, my many questions, and responded to my emails immediately . He was clear and concise about everything to expect during the process. At the end, he got me a refinance that is absolutely life changing! Thank you Jake! 
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!
Adam Miller made a very complicated process simple due to his in depth knowledge, quick turnaround, and professional staff. Each phone call, text, and email was answered quickly and thoroughly. He helped make the scary process of purchasing a new home, error free and hence, worry free. Adam is awesome.
Adam Miller is very knowledgeable, kind and helpful. He always was willing to help with any concern. I recommend him. He will give the best advice and offer the best options for the adequate mortgage for the customer.
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!
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.
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.
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.  
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!!
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!
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.
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!!
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!
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