No two people have exactly the same mortgage needs, so we have designed The APF Inc. Loan to be extremely flexible. Since we are both a direct lender and licensed broker, your loan counselor can design your APF Inc. Loan to fit your individual needs, choosing from a wide range of programs offered by many different investors.

By comparison, banks or saving & loans offer a very limited range of loan programs. Their loan officers are not required to be licensed and represent the bank's own interest, not yours. So if you don't qualify, you are out in the cold.

Or worse, you might qualify but end up with a loan that's too tight, too short, too long or too much of a hassle. That is never the case with The APF Inc.

When most people look for a loan, they look for the lowest rate, the fewest points and the best terms. which is exactly what they should look for. But just looking at the rates and points can be deceiving. Dose the program address your long-term goals as well as your short term objectives? Is there a balloon payment attached? would a different loan qualify you more easily?

Behind every APF Loan is a Loan counselor who will help you sort out your confusion about rates, terms and types of loans, so you can get the best loan based on your particular financial needs.

And behind every APF Loan counselor are our customized computer software programs. These allow us to access the most current economic data, market trends and interest rates and present and present this information to you in an easy-to-understand format. So you can be sure you're getting the right program at the lowest rate and the very best terms

In A Changing World, One Thing Stays the Same

Rates, terms and programs fluctuate. But our commitment to providing the very best and most courteous service never wavers. If you've ever applied for a loan before, you'll notice the difference immediately.

It starts right from the start. Your Loan counselor will sit down with you to to build a complete and accurate profile of you needs, your goals and your options. Because we know what our investors are looking for, your loan counselor can prepare the loan application for quick approval. And, by paying extra attention at the beginning, we can help eliminate surprises later. You'll also find that extra level of attention through The APF Inc., whether you're dealing with the processors or the president. After all, it's you working for.

Our Formula For Fast Funding : Answer On Time

Getting a loan can be a nerve-wracking, agonizing process of endless waiting and waiting. Not with The APF Loan. We take special pride in our ability to process your loan more quickly then the competition by providing our loan processors superior training, state-of-the-art technology and stream lined processing management systems that trim hours, days, even weeks from the wait. The one aspect of our service is that surprise most people is our ability to keep you inform up to the minute on the status of your APF Loan. So you don't have to wait for days waiting in the dark for answers.

We can provide this service because of our excellent relationships with investors, title and escrow companies; and because we can access information instantly through our computerized network; and because we actually commit to a written schedule for the processing of your loan.

But the most important reason for our timely response is because we believe that the financing process should be as simple and hassle-free as possible. And that's exactly what you get when you get a APF Loan.