Why a Reverse Mortgage with Apex Lending ?

You Own Your Home

Low fixed and variable rates. No application or origination fees. Average member savings: $17,2082.

No Mortgage Payments

The most attractive benefits of reverse mortgages is that payments are made TO you, as long as you live in your home.

Disbursement Options

Choices include receiving funds in a full or partial sum, a line of credit, monthly payments, or a combination of any of these.

Benefits Unaffected

Government benefit programs that do not test financial resources, such as Social Security and Medicare, are not affected by reverse mortgages.

REVERSE MORTGAGE BENEFITS

There are many features of reverse mortgage loans that can benefit seniors who are looking to supplement their retirement income

Own Your Home

You continue to maintain ownership of your home, as long as you comply with the terms of the loan and pay your taxes and insurance.

Pay Off Current Mortgage

With the funds you receive from a reverse mortgage, you can pay off your existing mortgage and be mortgage payment free.

No Monthly Mortgage Payments

Payments are made TO you, as long as you live in your home. The loan is repaid when you sell your home, move to another primary residence, or when the last borrower leaves the home.

You Are Protected

Reverse mortgages are insured by the government. If the loan ends up more than the value of the home when sold, government insurance will cover the difference.

Several Disbursement Options

This includes the choice to receive funds in a full or partial sum, a line of credit, monthly payments, or a combination of options.

SSI And Medicare Unaffected

Government benefits that do not test financial resources, such as Social Security and Medicare, are not affected by reverse mortgages.

Common Questions


To receive a Apex Lending loan, borrowers must be 18 years (*19 if you live in the state of AL or NB) or older, be a U.S. citizen or documented U.S. permanent resident, have a verifiable income, a verifiable bank account, a valid e-mail address and meet our credit criteria requirements. Click here to apply online or call us at (888) 428-1480 and have one of our experienced mortgage banker assist you through the process.

Yes, home loan does allow co-borrowers on home purchase and refinance loans, but might not be required. Click here to apply online or call us at (888) 428-1480 and have one of our experienced mortgage banker assist you through the process.

Your Apex Lending interest rate is determined using several factors including your credit profile, payment history, and ratio of debt to income. To check your individual Apex Lending personal rate with no risk, Click here to apply online or call us at (888) 428-1480 and have one of our experienced mortgage banker assist you through the process.

Apex Lending interest rates are determined using several factors including your credit profile, payment history, and ratio of debt to income. To qualify for the lowest rates, applicants must have excellent credit. Click here to apply online or call us at (888) 428-1480 and have one of our experienced mortgage banker assist you through the process.

Once a loan is approved and funded, borrowers pay an origination fee of 1% to 5% of the loan amount, depending on your loan grade. This fee is deducted from the loan proceeds, so you will not pay anything out of pocket. If you are using your loan proceeds for a specific purchase, be sure to borrow enough to cover both the origination fee and the purchase.

To complete the loan application, you will need to provide additional information such as your Social Security number, bank account, and employment details. We may request that you supply supporting documentation for the information you enter in your application. Examples of this information include a government-issued ID, bank statements, W2, or recent pay stubs. Click here to apply online or call us at (888) 428-1480 and have one of our experienced mortgage banker assist you through the process.

Questions? Call us for a free consultation at

(888) 428-1480