Mortgages and Home Equity Loans

Buy, build or borrow with Apex Home Loans!

The people at Apex live in this community, and our members are our neighbors. We want you to come to us first for your home lending needs.

Here at Apex, we constantly survey other area financial institutions to compare rates and terms, so you can feel confident that our Home Loan options are not only highly competitive, but an excellent bargain. This is the Apex comfort factor, and you won't find it anywhere else.

Apply Online

Our secure online application form allows you to suspend the procedure at any time, save the information you have entered, and return at your convenience.

Once you have completed your application, it will be submitted for review. A mortgage consultant will then contact you and answer any questions you may have.

Click here to begin the application process.

Apply for a loan.



Apex offers multiple products with a variety of terms! Choose the solution that best suits your needs.

If you're aiming to purchase your first home, step up to a larger home, or refinance at today's lower rates, Apex has the mortgage program you require. We can provide a loan that meets your needs, with an affordable repayment schedule that suits your budget. Our experienced loan representative will help you choose the mortgage that's right for you.

Contact our Mortgage Service Center at 1-800-426-7140.

Basic Mortgage Configurations:

  • • Fixed rate loan
    A mortgage in which the interest rate does not change during the entire term of the loan.
  • • Adjustable rate loan
    A mortgage in which the interest rate changes periodically, according to corresponding fluctuations in an index.
  • • Balloon loan
    A mortgage that requires the remaining principal balance to be paid at a specific point in time. For example, the loan may be amortized as if it would be paid over a 30-year period, but at the end of the 10th year, the entire remaining balance must be paid.
  • • Jumbo loan
    A mortgage that exceeds the generally accepted secondary market loan limits, which vary annually.
  • • Interest only loan
    An “interest only” mortgage requires only monthly interest payments. Initially you will not be paying any principal, so your monthly payment will be lower. At the end of the interest-only period, your loan reverts back to its original terms, with the monthly payments adjusted upward to reflect full amortization over the remaining years of the loan.


Construction Loans
  • • Construction loan
    A short term, interim loan for financing the cost of construction. The lender makes payments to the builder at periodic intervals as the work progresses.

Building a new home can be a challenging and enriching experience. We can help make it easier for you with an Apex Construction Loan. Our loan representative will explain all the requirements and steps toward financing the construction of your new home.

Contact our Mortgage Service Center at1-800-426-7140.


Home Equity Loans

Apex offers Home Equity Fixed Rate Loans and Line of Credit Loans to help you get the most out of your investment!

Think about all you could do: add a deck, kitchen or bath; pay for an education; take a special vacation… the possibilities are limitless. And to top it off, the interest you pay on a Home Equity Loan is usually tax deductible. It's the next best thing to a NO interest loan. Check with your tax advisor for detailed information about allowed deductions.

  • • Fixed Rate Home Equity Loan
    Take advantage of our low rates and choose up to a 20-year term. You can borrow up to 90% of the equity in your home, minus your first mortgage.
  • • Variable Rate Home Equity Line of Credit
    With our Variable Rate Home Equity Line of Credit, you can borrow up to 90% of the equity in your home minus your first mortgage. Borrow funds as you need them!

Check out our low rates today.


Refinance Your Current Loan

Don’t be stuck with unfavorable rates and payment terms – refinance with Apex, and save!

Refinance your home with Apex, and take advantage of our low rates and easy terms. Consider Direct Deposit and Payroll Deduction to make saving even easier.