logo.gif (10990 bytes)
3924 N. Academy Blvd
Colorado Springs, Co. 80917
Direct line : (719) 648-7088
Toll Free : (877) 754-1476
Office : (719) 573-7777		 Julia Lambert, will personally handle your loan transaction smoothly and efficiently with over 19 years experience in the mortgage industry. She will be happy to meet with you personally, at your earliest possible convenience to help you complete your loan transaction. Always available to offer assistance or answer any questions.

At Your Service :

Julia Lambert
Work with your local lender online

You Can Own A Home
Even If You Have No Credit or Less Than Perfect Credit

 We do not turn down good borrowers just your finances don't fall within the "cookie cutter" criteria for traditional loan programs. Apple’s Expanded Criteria programs is the answer. These low interest rate loans are offered for fixed rates, ARMs and Conforming Fixed Period 3/1, 5/1, 7/1 & 10/1 ARMs. We also offer many "no income" programs such as our Reduced Doc, No Ratio and No Income/No Asset programs.
Government Loan Programs
Local Service, Local Experts!
We offer a full range of government loans, including:
    • 203(b) Fixed Rate Loans
      251 ARM loans
      234(c) Condo Financing
      FHA Streamline Refi's
      VA 100% financing programs

But we don't stop there. We can walk you step-by-step through the FHA/VA approval process paying all or part of your closing costs.

Fast & Easy Program
Great Price for Great Borrowers!
Our Fast & Easy program offers a mortgage up to 90% LTV/CLTV without verification of assets or income. This loan program offers a great price for you with high quality. You can be self employed or salaried, and there are no reserve requirements.

To apply for a home loan with Apple Mortgage, go to our internet site http://www.appleloans.com and click on :

You will pay a $30 credit report fee and once your application is received, may need to submit additional documentation to support your loan request:

. 2 Years W-2's for all wage earners
. One Months paystubs for all wage earners
. 3 Months Banks statements on all accounts
. Self Employeed : 2 Years Tax Returns, Current P&L
. Present Mortgage Statement or Sales Contract
. Hazard Insurance Agent Information

You will receive loan approval within 24 hours by email and phone

 FHLMC Affordable Gold 97 - Low Income Financing Opens More Opportunities for You!
This program is the "simple" answer for low to moderate income financing. As long as your income does not exceed 100% of the MSA median income, you may qualify for as little as 3% down. Plus, the down payment can be a grant, "affordable second" or unsecured loan, or can come from the borrower's own funds or a gift from a family member. Only one month of reserves is required. Let Apple Mortgage pay all your closing costs!

We House America� Products
Finding The Right Loan Just Got Easier!

These loan products feature down payments as little as 3%, alternative sources of credit, more flexible underwriting guidelines, and more. Open the door to home ownership for more of your you with our We House America programs!

Expanded Criteria Loan Programs
Think Outside the Box!

Loan programs intended for you with just slightly impaired credit. These are you who fall just below A-paper criteria, we can offer you better terms and pricing than you would get with subprime loans, with CLTVs as high as 100%. Loans are available for purchase money, rate-and-term refi's, even cashout refi's. Allowed property types include second homes, owner-occupied one and two-unit residences, manufactured homes, and approved condos. There's even a program that allows you to lower their interest rate after two years based on timely payments. Expanded Approval loans - the latest in Apple’s ever-expanding selection of niche products to reach more you.

Rural Housing Loans (formerly known as Farmers' Home Loans or RD [rural development] loans)

The Rural Housing Service (RHS) loan is an affordable lending product designed to get residents in designated rural areas into a home that they would not otherwise qualify for. Some of the most attractive features include:

100% LTV based on the appraised value of the home

No down payment, No cash reserves required

No MI requirement, Manufactured housing permitted

CREDIT CHALLENGES ARE NO CHALLENGE !

With flexible guidelines, aggressive pricing and exceptional service, we can offer you a wide range of financing solutions. Our full array of loan products includes 15- and 30-year fixed- and adjustable-rate products, fixed period ARMs, reduced pricing options, even a rate-reduction loan for homeowners who pay their mortgage on time every month. We offer Premier through F credit grades, and our branches are staffed with representatives dedicated exclusively to borrowers with credit challenges. You can depend on the stability, experience, and power of Apple Mortgage for all of your mortgage needs!

NO DOWNPAYMENT? NO PROBLEM!

ZERO DOWN PLANS PUT YOU INTO A HOME

Zero Down 103% Plans up to $375,000, a loan that allows you to finance up to 100%. You can even include up to 3% closing costs and prepaid fees in the loan amount, for a total loan of 103%!

Zero Down, 80/20 with a combined loan amount up to $500,000.The second can be a HELOC or Fixed Rate and there are no Mortgage Insurance requirements.

HOME EQUITY PRODUCTS

With our Home Equity Credit Program featuring lines of credit and fixed-rate seconds. These products offer minimal paperwork, low start rates, and three different risk grades to qualify.

Super-Streamline
Home Equity Line of Credit!
Our Super-Streamline Home Equity Line of Credit is a pre-approved home equity loan for those who funded an eligible first mortgage up to six months ago. Super-Streamline HELOC program with no documentation requirements. Also the Super Streamline HELOC can close concurrently with a Fast & Easy loan for salaried or self-employed with excellent credit, allowing you to put less money down, with no reserves and no mortgage insurance.

 
PLEASE ACT SOON. Interest rates have dramatically increased and we would like to offer you the lowest possible interest rate.

No matter what your credit situation, Apple Mortgage can help. Even if you have been declined by other lenders, Apple Mortgage offers unique financing opportunities to put you and your family in a home today!

Apple Mortgage is prepared with the latest technological advances in Mortgage Loan Processing, with online loan application, 24hour loan approval, and can close your purchase transaction quickly and efficiently.

We are a local Colorado lender, FHA and VA approved, with offices in Colorado Springs.

  

Your loan transaction can close in 10 – 15 days, if you act now

And skip a payment just in time to pay Christmas bills!


The lowest possible rate at the lowest possible fees.

We never overcharge "junk" fees and guarantee you the lowest rate and best terms available for your situation.

Within Every Home Lies a Wealth of Opportunity!