As a small-balance commercial mortgage lender with decades of experience, APEX Mortgage gets plenty of questions from brokers about the lending process and what we can offer them and their borrowers.

Here are some of the most common questions we receive and their answers:

Is my fee protected?

At APEX, your fee is always protected. Brokers are a large part of our success, so we’re committed to theirs. Our brokers can charge up to 5 points on every deal, as well as an additional 2 YSP in most programs.

What are the minimum and maximum commercial mortgage sizes?

APEX Mortgage can lend your borrower anywhere from $25,000 to $1,000,000 to purchase or refinance a commercial property.

Where does APEX lend money?

APEX Mortgage is a nationwide funding source lending in 42 states. We do not lend in Alabama, Alaska, Hawaii, Michigan, Nevada, North Dakota, Vermont and West Virginia.

What do I need to submit to get the process started?

Brokers should include a completed 1003 or commercial mortgage application, a tri-merge credit report, a summary of the deal and photos of the property in their original submission. This will allow us to determine quickly whether or not we can do the deal, saving both you and your borrower time.

What are the upfront costs?

While some lenders charge fees before any underwriting has begun, APEX does not charge upfront fees to underwrite your borrower’s deal. After we approve the loan and your borrower has a binding commitment letter in their hands, they will need to purchase an appraisal of their property, which APEX will order, from one of our approved appraisers. This will be their only pre-closing expense should they choose to move forward with the offer.

What’s the time-frame?

APEX Mortgage can close commercial mortgages in as little as 2-3 weeks. As a non-conforming lender, we’re not bound by the same regulations as banks and traditional lenders, and our common-sense approach to commercial lending allows us to get your borrowers the money they need fast.

Still have questions? Give us a call at and ask to speak to a Commercial Account Executive.

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