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Apex MortgageStart
AI-native mortgage guidance

Find Your Best Home Loan
in Fresno & Madera County

The speed of AI. The judgment of a local mortgage expert. Apex gives you a personalized path to buy, refinance, or use your home equity, backed by a broker who has helped thousands of borrowers across the Central Valley. No pressure.

Get my AI plan See how it works
Bank-grade encryption Licensed advisors
Apex AI online
I want to buy my first home.
Nice. Are you looking to move within 3 months, or still exploring? I'll match you to the right loan programs.
Within 3 months. Credit around 740.
Great, with a 740+ score, we can start with reviewing conventional loan programs. Want me to build your personalized plan?
Ask Apex anything about your mortgage…

How it works

Powered by AI. Reviewed by a real expert.

AI does the heavy lifting in seconds. A licensed loan officer checks every recommendation before it reaches you.

Tell Apex your goal

Answer a few quick questions about buying, refinancing, or tapping your equity. No paperwork, no credit pull, and your info is never sold.

01

AI finds your best fits

Our AI compares loan programs, rates, and terms against your profile and narrows it down to the options that fit you.

02

An expert finalizes your plan

A licensed loan officer reviews 100% of AI recommendations, then reaches out personally to answer questions and finalize your plan.

03

Every plan is reviewed by Edgar Franco, NMLS #1255945. We never sell your information, and we only share it with your permission to process your loan.

Start your AI intake

Build your mortgage plan in under two minutes.

Answer a few questions and Apex maps you to the right mortgage products instantly. A licensed advisor follows up to bring it home.

  • Personalized loan & rate matches
  • Purchase, refinance, and home equity paths
  • Real human review, on your timeline
AI intake · step 1 of 5
Your info is private & secure.
$150M+
Home loans closed
Thousands
of borrowers advised.
10+ yrs
Licensed in California
24h
Advisor follow-up

AI qualify check

See what you could qualify for

Four quick steps. No credit check, no Social Security number.

Qualify check · step 1 of 4
  1. You
  2. Income
  3. Debts
  4. Down payment
Where's your credit score right now?
Is this your first home?
How do you earn your income?
Have you served in the military?

This is an estimate for educational purposes, not a loan approval or commitment to lend. Interest rates shown are estimates based on national averages for a 30-year fixed loan, adjusted by credit range, and were last updated . Rates and mortgage insurance estimates are based on a purchase price of $420,000 and will vary at other price points. They are not a rate quote or rate lock, and your actual rate may be higher or lower depending on credit, loan type, down payment, property, points and market conditions on the day you lock. Payments assume property tax of 1.25% and homeowners insurance of 0.4% of the price per year. Actual qualification depends on full review of credit, income, assets and property. Edgar Franco, NMLS #1255945. Apex Mortgage powered by Nationwide Loans, Inc., NMLS #1799965. Equal Housing Opportunity.

Areas we serve

Areas We Serve in Fresno & Madera County

Apex Mortgage helps home buyers, homeowners, and investors across the Central Valley with purchase loans, refinances, HELOCs, FHA, VA, conventional, CalHFA, DSCR, and bank statement loans.

Fresno County

Fresno, Clovis, Sanger, Selma, Reedley, Kerman, Kingsburg, Fowler, Parlier, Orange Cove, Mendota, Firebaugh, Coalinga, Huron, San Joaquin

Madera County

Madera, Chowchilla, Oakhurst, Tesoro Viejo, Riverstone, Rio Mesa