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:

Reviewed byRaymondCompleted transaction in December 2020 in Las Vegas, NV.This is the second time Fernandez has helped my wife and I with refinancing our home. His attention to detail and willingness to find the answer to any of our crazy questions were answered promptly and directly. We never felt that we were left in the cold wondering what was going on. This guy is like a pit bull when it comes to finding the lowest rates out there for us. We highly recommend Fernandez and we’ll continue to utilize his services as long as he’s in the business.
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!
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!
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..
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.
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!
Great mortgage process with Jim Apessos . All went according to plan with no surprises. Would recommend to new homeowners or those looking to refinance.
We have used Jim Apessos multiple times and have never had any issues.
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 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!
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!
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.
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.
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!
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.
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.
Jim Apessos is honest, professional, great communication, the best experience I've had so far with a refi.
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.
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!!
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.
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.
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!!!
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.
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.
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