Apex Mortgage loan programs

INCOME PRODUCING REAL ESTATE INCOME QUALIFYING BUSINESS LOAN
LOAN AMOUNT	Minimum: $50,000 Maximum: $400,000
LOAN TERM	5 Years - 25 Years
RATE	Fixed Rate Adjustable Rate
ARM INDEX	Prime Rate as published in the eastern edition of the Wall Street Journal
PREPAYMENT PENALTY	5% declining for 5 years
PERSONAL GUARANTEES	Personal guarantees are required on all loans
MAXIMUM COMBINED LOAN TO VALUE [See attached grid for maximum CLTV by individual property types]	See Program Matrix for LTV by Property Type
MINIMUM PROPERTY VALUE	$100,000 or $15,000 per unit
LIEN POSITION	First liens on primary collateral
OCCUPANCY	Owner Occupied Non-Owner Occupied
CASH OUT REFINANCES	Maximum cash to borrower is $200,000
MINIMUM DEBT SERVICE COVERAGE RATIO	See Program Grid for DSCR by Property Type. All loans qualified at the program's note rate.
CREDIT QUALITY Mortgage	Mortgage must be current. Mortgage must have been rated for at least twenty four (24) months.
CREDIT QUALITY Consumer Credit	Majority of accounts must be paid "AS AGREED". Minimum FICO score 660
CHARGE OFFS/ COLLECTIONS	Charge offs are not allowed in the prior twelve (12) month period.
BANKRUPTCIES	Bankruptcies are not allowed in the prior five (4) year period.
ELIGIBLE PROPERTY TYPES	See Attached LTV List
INELIGIBLE PROPERTY TYPES	Salvage Yards Farmland Vacant lots Industrial properties Manufacturing Gas Stations Condo Hotels Cooperatives Manufactured Housing Mobile Homes Rural properties in areas under 25% built up
APPRAISAL	An APEX obtained appraisal is required on all properties.
ENVIRONMENTAL	All loans must have an environmental questionnaire completed. All loans will require the payment of an Environmental Processing Fee of $500-$1500
AGE OF DOCUMENTATION	Credit documents cannot be more than 90 days old. Appraisals must be less than 60 days old.
LEGAL REQUIREMENTS	Mortgages [required on all real estate collateral] Assignment of rents/leases/profits Recorded UCC-1financing statements Affidavit of business use of proceeds Personal Guarantee Cross collateral/cross default (as needed) Late charges on note [as per state requirement] Partnership Agreements or articles of incorporation and corporate resolutions (as applicable) Title insurance policies Flood insurance policies [if applicable]. Evidence of standard form fire and extended coverage perils insurance. Consent required by lender for permitting subordinate financing. Due on sale clauses. RESPA disclosures (if applicable). Seller financing permitted up to a CLTV of 80% Broker Affidavits acknowledging satisfaction of fees and demonstration of signed Broker Agreements. The maximum broker fee cannot exceed 5%, loans under $70,000 maximum fee $3,500
PROPERTY TYPES	CLTV and DSCR OWNER OCCUPIED/NON-OWNER OCCUPIED
Single Family Residence	70	1.0
1-4 unit apartment	70	1.2
5+ apartments	70	1.2
Mixed use [1 commercial + residential]	70	1.2
Retail Store - Strip / Free Standing	70	1.2
Professional office space	70	1.2
Warehouse/ Office	65	1.3
Auto Repair/ Auto Related	60	1.35
Day Care/ Funeral Homes/ Hair Salons/ Barbershops	65	1.3
Hotel/Motel	65	1.3
Recreational Property	60	1.35
Mobile Home Park	65	1.3
UNDERWRITING DOCUMENTATION REQUIRED
	1) Summary Sheet 2) COMPLETED 1003 Application 3) Credit Report 4) Mortgage Broker Agreement
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet

INCOME PRODUCING REAL ESTATE INCOME QUALIFYING BUSINESS LOAN
LOAN AMOUNT	Minimum: $25,000 Maximum: $400,000
LOAN TERM	5 Years - 25 Years
RATE	Fixed Rate Adjustable Rate
ARM INDEX	WSJ PRIME Published in the Eastern edition of the Wall Street Journal
PREPAYMENT PENALTY	5% declining for 60 months
PERSONAL GUARANTEES	Personal guarantees are required on all loans
MAXIMUM COMBINED LOAN TO VALUE [See attached grid for maximum CLTV by individual property types]	See Program Matrix for LTV by Property Type
MINIMUM PROPERTY VALUE	$75,000 or $12,000 per unit
LIEN POSITION	First liens & Second liens on primary collateral
OCCUPANCY	Owner Occupied Non-Owner Occupied
CASH OUT REFINANCES	Maximum cash to borrower is $150,000
MINIMUM DEBT SERVICE COVERAGE RATIO	See Program Grid for DSCR by Property Type All loans qualified at the programs note rate. For loans less than $250,000 a debt ratio of 45% can be employed for alternative qualification.
CREDIT QUALITY Mortgage	Mortgage must be current. Mortgage must have been rated for at least twenty four (24) months. Mortgage rating cannot have more than two (2) thirty (30) day delinquencies in the prior twelve (12) month period.
CREDIT QUALITY Consumer Credit	Majority of accounts must be paid "AS AGREED". Limited thirty (30) day and sixty (60) day delinquencies allowed with explanation.
CHARGE OFFS/ COLLECTIONS	Charge off are not allowed in the prior twelve (12) months period. Charge offs over $500 are not allowed in the period between months thirteen (13) and twenty four (24). Open charge offs must be paid prior to or at closing.
BANKRUPTCIES	Bankruptcies are not allowed in the prior two (2) year period.
ELIGIBLE PROPERTY TYPES	See Attached LTV List
INELIGIBLE PROPERTY TYPES	Dry Cleaners Gas Stations Salvage Yards Farmland Vacant lots Industrial properties Manufacturing Condo Hotels Cooperatives Mobile Homes/ Manufactured Homes Rural properties in areas under 25% built up
APPRAISAL	An APEX obtained appraisal is required on all properties.
ENVIRONMENTAL	All loans must have an environmental questionnaire completed. Loans in excess of $100,000 and secured by other than mixed use property containing 4 or less total units, or by targeted property types, will require Environmental Insurance.
AGE OF DOCUMENTATION	Credit documents cannot be more than 90 days old. Appraisals must be less than 60 days old at time of closing.
LEGAL REQUIREMENTS	Mortgages [required on all real estate collateral] Assignment of rents/leases/profits Recorded UCC-1 financing statements Recorded Security Agreements Affidavit of business use of proceeds Personal Guarantee Cross Collateral/Cross default (as needed) Late charges on note [as per state requirement] Partnership Agreements or articles of incorporation and corporate resolutions (as applicable) Title insurance policies Flood insurance policies [if applicable] Evidence of standard form fire and extended coverage perils insurance. Consent required by lender for permitting subordinate financing. RESPA disclosures (if applicable). Seller financing permitted up to a CLTV of 80% Broker Affidavits acknowledging satisfaction of fees and demonstration of signed Broker Agreements. The maximum broker fee cannot exceed 5%, loans under $70000 maximum fee $3500
PROPERTY TYPES	CLTV and DSCR OWNER OCCUPIED(as primary residence)/NON-OWNER OCCUPIED/A3 CREDIT
Single Family Residence	70	1.0	1.20
1-4 unit apartment	70	1.2	1.35
5+ apartments	70	1.2	1.35
Mixed use [1 commercial + residential]	70	1.2	1.35
Retail Store - Strip / Free Standing	70	1.2	1.35
Professional office space	70	1.2	1.35
Warehouse/ Office	60	1.35	1.75
Auto Repair/ Auto Related	55	1.4	NA
Day Care/ Funeral Homes/ Hair Salons/ Barbershops	60	1.35	1.55
Hotel/Motel	60	1.35	1.55
Recreational Property	50	1.35	1.75
Church/House of Worship	60	1.25	1.25
Mobile Home Park	70	1.25	1.35
UNDERWRITING DOCUMENTATION REQUIRED
	1) Summary Sheet 2) COMPLETED 1003 Application 3) Credit Report 4) Mortgage Broker Agreement
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet

LIMITED INCOME VERIFICATION BUSINESS LOANS
LOAN AMOUNT	Minimum: $25,000 Maximum: $400,000
LOAN TERM	5 Years - 25 Years
RATE	Fixed Rate Adjustable Rate
ARM INDEX	Prime Rate as published in the eastern edition of the Wall Street Journal
PREPAYMENT PENALTY	5% declining for 60 months
PERSONAL GUARANTEES	Personal guarantees are required on all loans
MAXIMUM COMBINED LOAN TO VALUE [See attached grid for maximum CLTV by individual property types]	See Program Matrix for LTV by Property Type For loan amount above $250,000 CLTV is reduced by 5%.
MINIMUM PROPERTY VALUE	$75,000 or $12,000 per unit
LIEN POSITION	First or Second
OCCUPANCY	Owner Occupied Non-Owner Occupied
CASH OUT REFINANCES	Maximum cash to borrower is $150,000
BORROWER QUALIFICATION	Full income verification is not required. Borrower is required to describe the type of business and provide relevant documentation to prove how income is generated.
CREDIT QUALITY Mortgage	Mortgage must be current. Mortgage must have been rated for at least twenty four (24) months. Mortgage rating must not have more than one (1) thirty (30) day delinquency in the past twelve (12) months.
CREDIT QUALITY Consumer Credit	Accounts must be paid "AS AGREED". Limited thirty (30) day delinquents allowed with explanation.
CHARGE OFFS/ COLLECTIONS	Charge offs are not allowed in the prior twelve (12) month period. Charge offs over $500 are not allowed in the period between months thirteen (13) and twenty four (24).
BANKRUPTCIES	Bankruptcies are not allowed in the prior five (5) year period.
FINANCIAL REVIEW	Three primary business/trade references may be required. The existence of the business for at least three years must be documented. Business tax returns for the past two years are required.
RESTRICTIONS	Corporate or business losses cannot exceed 5% of gross sales. No start-up ventures.
ELIGIBLE PROPERTY TYPES	See attached LTV List
INELIGIBLE PROPERTY TYPES	Salvage Yards Farmland Vacant lots Industrial properties Manufacturing Gas Stations Condo Hotels Cooperatives Dry Cleaners Mobile Homes/Manufactured Housing Rural properties in areas under 25% built up
APPRAISAL	An APEX obtained appraisal is required on all properties.
ENVIRONMENTAL	All loans must have an environmental questionnaire completed. Loans in excess of $100,000 and secured by other than a mixed use property containing 4 or less total units, or by targeted property types, will require Environmental Insurance.
AGE OF DOCUMENTATION	Credit documents cannot be more than 90 days old. Appraisals must be less than 60 days old.
LEGAL REQUIREMENTS	Mortgages [required on all real estate collateral] Assignment of rents/leases/profits Recorded UCC-1financing statements Affidavit of business use of proceeds Personal Guarantee Cross collateral/cross default (as needed) Late charges on note [as per state requirement] Partnership Agreements or articles of incorporation and corporate resolutions (as applicable) Title insurance policies Flood insurance policies [if applicable]. Evidence of standard form fire and extended coverage perils insurance. Consent required by lender for permitting subordinate financing. Due on sale clauses. RESPA disclosures (if applicable). Seller financing permitted up to a CLTV of 80% Broker Affidavits acknowledging satisfaction of fees and demonstration of signed Broker Agreements. The maximum broker fee cannot exceed 5%, loans under $70000 maximum fee $3500
PROPERTY TYPES	CLTV OWNER OCCUPIED/NON-OWNER OCCUPIED
Single Family Residence	70
1-4 unit apartments	70
5+ apartments	70
Mixed Use [commerical + residential]	70
Retail Store - Strip or Free Standing	70
Professional office space	70
Warehouse/ Office	65
Auto Repair/ Auto Related	60
Day Care/ Funeral Home/ Hair Salon/ Barbershop	65
Motel/Hotel	65
Church/House of Worship	60
Recreational Property	60
Mobile Home Park	65
UNDERWRITING DOCUMENTATION REQUIRED
	1) Summary Sheet 2) COMPLETED 1003 Application 3) Credit Report 4) Mortgage Broker Agreement
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet

"B" CREDIT LOANS
LOAN AMOUNT	Minimum: $25,000 Maximum: $400,000
LOAN TERM	5 Years - 25 Years
RATE	Fixed Rate Adjustable Rate
ARM INDEX	Prime Rate as published in the eastern edition of the Wall Street Journal
PREPAYMENT PENALTY	3% for 36-48 months depending on property type and credit
PERSONAL GUARANTEES	Personal guarantees are required on all loans
ADDITIONAL COLLATERAL	As Needed
MAXIMUM COMBINED LOAN TO VALUE [See attached grid for maximum CLTV by individual property types]	70% up to $250,000 For loan amounts above $250,000 CLTV is reduced by 5%.
MINIMUM PROPERTY VALUE	$75,000 or $12,00 per unit
LIEN POSITION	First liens & Second liens on primary collateral
OCCUPANCY	Owner Occupied Non-Owner Occupied
CASH OUT REFINANCES	Maximum cash to borrower is $75,000
BORROWER QUALIFICATION	Full income verification is not required. A common sense income analysis should be utilized. Borrower is required to describe the type of business and provide relevant documentation to prove how income is generated.
CREDIT QUALITY Mortgage	Mortgage must be current. Mortgage must be rated for at least 24 months. Mortgage rating must not have more than three (3) thirty day and one (1) sixty day delinquencies in the prior twelve month period. Mortgage rating must not have more than six (6) thirty (30) day and one (1) sixty (60) day delinquencies in the prior twenty four (24) month period.
CREDIT QUALITY Consumer Credit	Pattern of thirty (30) day and sixty (60) day delinquent accounts allowed. Limited ninety (90) day delinquent accounts allowed with explanation.
CHARGE OFFS/ COLLECTIONS	Charge offs/collection accounts are not allowed in the prior twelve (12) month period. Charge offs over $500 are not allowed in the period between months thirteen (13) and twenty four (24). Open charge offs must be paid prior to or at closing.
BANKRUPTCIES	Bankruptcies are not allowed in the prior two (2) year period.
FINANCIAL REVIEW	Three primary business/trade references are required. The existence of the business for at least three years must be documented. Business tax returns for the past two years are required.
RESTRICTIONS	Corporate or business losses cannot exceed 5% of gross sales. No start-up ventures.
ELIGIBLE PROPERTY TYPES	See Attached LTV List
INELIGIBLE PROPERTY TYPES	Gas Stations Salvage Yards Farmland Vacant lots Industrial properties Manufacturing Condo Hotels Cooperatives Dry Cleaners Mobile Homes/ Manufactured Housing Rural properties in areas under 25% built up
APPRAISAL	An appraisal is required on all properties. Two appraisals are required on loan amounts above $300,000.
ENVIRONMENTAL	All loans must have an environmental questionnaire completed. Loans in excess of $100,000 and secured by other than a mixed use property containing 4 or less total units, or by targeted property types must have Environmental Insurance.
AGE OF DOCUMENTATION	Credit documents cannot be more than 90 days old. Appraisals must be less than 60 days.
LEGAL REQUIREMENTS	Mortgages [required on all real estate collateral] Assignment of rents/leases/profits Recorded UCC-1 financing statements Recorded Security Agreements Affidavit of business use of proceeds Personal Guarantee Cross collateral/cross default (as needed) Late charges on note [as per state requirement] Partnership Agreements or articles of incorporation and corporate resolutions (as applicable) Title insurance policies Flood insurance policies [if applicable] Evidence of standard form fire and extended coverage perils insurance. Consent required by lender for permitting subordinate financing. Due on sale clauses. RESPA disclosures (if applicable). Seller financing permitted up to a CLTV of 80% Broker Affidavits acknowledging satisfaction of fees and demonstration of signed Broker Agreements. The maximum broker fee cannot exceed 5%, loans under $70,000 maximum fee $3,500
PROPERTY TYPE	CLTV OWNER OCCUPIED/NON-OWNER OCCUPIED
Single Family Residence	65
1-4 unit apartments	65
5+ apartments	65
Mixed use [commercial + residential]	65
Retail Store - Strip or Free Standing	65
Professional office	65
Warehouse/ Office	60
Auto Repair / Auto Related	case by case
Day Care / Funeral Home/ Hair Salon/ Barbershop	60
Church/House of Worship	60
Hotel/ Motel	60
Recreational Property	50
Mobile Home Park	65
UNDERWRITING DOCUMENTATION REQUIRED
	1) Summary Sheet 2) COMPLETED 1003 Application 3) Credit Report 4) Mortgage Broker Agreement
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet

"C" CREDIT LOANS
LOAN AMOUNT	Minimum: $25,000 Maximum: $400,000
LOAN TERM	5 Years - 15 Years
LOAN TYPE	Purchase Rate/Term Refinance
RATE	Fixed Rate
PREPAYMENT PENALTY	3% for 36-48 months depending on property type and credit
PERSONAL GUARANTEES	Personal guarantees are required on all loans
ADDITIONAL COLLATERAL	All N.O.O. Property and Comm. Property Loans require a lien on the Borrower's Primary Residence.
MAXIMUM COMBINED LOAN TO VALUE [See attached grid for maximum CLTV by individual property types]	65%
MINIMUM PROPERTY VALUE	$50,000 or $12,000 per unit
LIEN POSITION	First liens only
OCCUPANCY	Owner Occupied Non-Owner Occupied
MINIMUM DEBT SERVICE COVERAGE RATIO	1.35% coverage ratio on all multi family loans, no debt coverage on loans to self employed individuals.
CREDIT QUALITY Mortgage	Mortgage must have been rated for at least 24 months. Mortgage rating must not contain more than six (6) thirty (30) day and two (2) sixty day delinquencies in the prior twelve (12) month period. Mortgage rating must not contain more than six (6) thirty (30) day, four (4) sixty day and one (1) ninety day delinquencies in the prior twenty-four(24) month period.
CREDIT QUALITY Consumer Credit	Assorted thirty (30) day and sixty (60) day delinquent accounts allowed. Two (2) ninety (90) day delinquent payments allowed over the prior 24 months on any one account.
CHARGE OFFS/ COLLECTIONS	Charged off/collection accounts are allowed under $2500. Open charge offs must be paid prior to or at closing. Charge offs related to tax liens, medical bills and student loans will not be considered a negative in the credit analysis.
BANKRUPTCIES	Bankruptcies are not allowed in the prior two (2) year period.
FINANCIAL REVIEW	Three primary business/trade references are required. The existence of the business for at least three years must be documented. Business tax returns for the past two years are required.
RESTRICTIONS	Corporate or business losses cannot exceed 5% of gross sales. No start-up ventures. No Cash Out Allowed.
ELIGIBLE PROPERTY TYPES	See Attached LTV List
INELIGIBLE PROPERTY TYPES	Gas Stations Salvage Yards Farmland Vacant lots Industrial properties Manufacturing Condo Hotels Cooperatives Mobile Homes/ Manufactured Housing Dry Cleaners Rural properties in areas under 25% built up
APPRAISAL	An APEX obtained appraisal is required on all properties.
ENVIRONMENTAL	All loans must have an Environmental Questionnaire completed. Loans in excess of $100,000 and secured by other than a mixed use property containing 4 or less total units, or by targeted property types, will require Environmental Insurance.
AGE OF DOCUMENTATION	Credit documents cannot be more than 90 days old. Appraisals must be less than 60 days old
LEGAL REQUIREMENTS	Mortgages [required on all real estate collateral] Assignment of rents/leases/profits Recorded UCC-1 financing statements Recorded Security Agreements Affidavit of business use of proceeds Personal Guarantee Cross collateral/cross default (as needed) Late charges on note [as per state requirement] Partnership Agreements or articles of incorporation and corporate resolutions (as applicable) Title insurance policies. Evidence of standard form fire and extended coverage perils insurance. Consent required by lender for permitting subordinate financing.. Due on sale clauses. RESPA disclosures (if applicable). Seller financing permitted up to a CLTV of 80% Broker Affidavits acknowledging satisfaction of fees and demonstration of signed Broker Agreements. The maximum broker fee cannot exceed 5%, loans under $70,000 maximum fee $3,500
PROPERTY TYPES	CLTV OWNER OCCUPIED/NON-OWNER OCCUPIED
Single Family Residence	60
1-4 unit property	60
5+ apartments	60
Mixed use (Commercial + Apartments)	60
Retail Store - Strip or Free Standing	60
Professional office	60
Warehouse/ Office	50
Auto Repair/ Auto Related	case by case
Day Care/ Funeral Home/ Hair Salon/ Barber Shop	case by case
Hotel/ Motel	50
Recreational Property	case by case
Mobile Home Park	case by case
UNDERWRITING DOCUMENTATION REQUIRED
	1) Summary Sheet 2) COMPLETED 1003 Application 3) Credit Report 4) Mortgage Broker Agreement
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet

Commercial Loans
LOAN AMOUNT	Minimum: $25,000 Maximum: $400,000
LOAN TERM	Maximum term 15 Years
RATE	Fixed Rate
PREPAYMENT PENALTY	3% for 36 -48 months depending on property type and credit
PERSONAL GUARANTEES	Personal guarantees are required on all loans
MAXIMUM COMBINED LOAN TO VALUE [See attached grid for maximum CLTV by individual property types]	65%
MINIMUM PROPERTY VALUE	$50,000
LIEN POSITION	First liens on primary collateral
OCCUPANCY	Owner Occupied Non-Owner Occupied - case by case basis
CREDIT QUALITY Mortgage	Mortgage must be rated at least 24 months. Mortgage rate sporadic thirty (30), sixty (60), ninety (90) day case by case.
CREDIT QUALITY Consumer Credit	Case by case. Written credit explanation required at time of application.
CHARGE OFFS/ COLLECTIONS	Charge off are allowed in the prior twelve (12) months period.
BANKRUPTCIES	All bankruptcies must be discharged.
ELIGIBLE PROPERTY TYPES	See attached LTV list. All properties subject to APEX review
INELIGIBLE PROPERTY TYPES	Salvage Yards Farmland Vacant lots Manufacturing Condo Hotels Cooperatives Dry Cleaners Mobile Homes/ Manufactured Housing Rural properties in areas under 25% built up
APPRAISAL	An APEX obtained appraisal is required on all properties.
ENVIRONMENTAL	All loans must have an Environmental Questionnaire completed. All loans will require Environmental Insurance.
AGE OF DOCUMENTATION	Credit documents cannot be more than 90 days old. Appraisals must be less than 60 days old.
LEGAL REQUIREMENTS	Mortgages [required on all real estate collateral] Assignment of rents/leases/profits Recorded UCC-1 financing statements Recorded Security Agreements Affidavit of business use of proceeds Personal Guarantee Cross collateral/cross default (as needed) Late charges on note [as per state requirement] Partnership Agreements or articles of incorporation and corporate resolutions (as applicable) Title insurance policies Flood insurance policies [if applicable] Evidence of standard form fire and extended coverage perils insurance. Consent required by lender for permitting subordinate financing. Due on sale clauses. RESPA disclosures (if applicable) Seller Financing Permitted up to CLTV OF 80%. Broker Affidavits acknowledging satisfaction of fees and demonstration of signed Broker Agreements. The maximum broker fee cannot exceed 5%, loans under $70,000 maximum fee $3500
PROPERTY TYPES	CLTV OWNER OCCUPIED/NON-OWNER OCCUPIED
Single Family Residence	60
1-4 unit apartment	60
5+ apartments	60
Mixed use (commercial + apartments)	65
Retail Store - Strip or Free Standing	65
Professional office buildings	65
Warehouse/Office	60
Auto Repair/Auto Related	case by case
Day Care/ Funeral Home/ Hair Salon/ Barber shop	60
Motel/Hotel	60
Recreational Property	50
Mobile Home Park	case by case

	1) Summary Sheet 2) COMPLETED 1003 Application 3) Credit Report 4) Mortgage Broker Agreement
Additional documentation may be submitted with original package to assist in underwriting. Please indicate all documentation enclosed on summary sheet

APEX specializes in apartment building mortgages and will consider offering apartment buildings mortgages up to 70% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties when it comes to apartment building mortgages.

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APEX will consider a mixed-use building mortgage up to 70% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment, when it comes to a mixed-use building mortgage.

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APEX will consider buildings up to 70% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties.

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APEX will consider up to 60% LTV for all office building mortgages. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties, when it comes to office building mortgages.

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APEX, a small commercial lender, will consider auto related properties up to 60% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. As a small commercial lender, APEX will consider owner occupied Auto related properties only.

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APEX will consider day care mortgages, hair salon mortgages, and funeral home mortgages up to 65% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties for all day care mortgages ..

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APEX will consider hotels and motels up to 60% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider both owner occupied and investment properties.

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APEX, a small commercial lender, will consider recreational properties up to 60% LTV. Final LTV's and rates are determined by experience of the owner, length of ownership, cash flow, strength of credit, and strength of real estate. APEX will consider owner occupied recreational properties only.

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Programs

Credit Grade

Property Type