Business Details
Your Trusted Mortgage Partner in Breckenridge, CO
At Apex Mortgage Brokers, we prioritize quality customer service and leverage our expertise in residential lending to deliver tailored solutions. Our team is dedicated to guiding clients through the loan process with transparency and professionalism, offering a wide range of programs including purchase, refinance, and specialized loans. With decades of combined experience, we ensure competitive rates and personalized consultations, empowering clients to achieve homeownership or investment goals.Our commitment to integrity and client success is reflected in our 5.0-star reviews and long-standing reputation in the industry. We operate with clear communication, ethical standards, and a focus on client satisfaction, ensuring every step of the mortgage journey is seamless and informed.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgages
DSCR Loans
Construction Loans
Refinance Loans
Foreign National Loans
Highlights and features
- We offer over 20 years of combined experience in residential and investment mortgage lending.
- Our team provides personalized loan solutions tailored to unique client financial situations.
- We guarantee transparent communication with no hidden fees throughout the loan process.
- Our brokers maintain active NMLS licensing and adhere to strict industry compliance standards.
- We deliver competitive rates through partnerships with multiple lenders and programs.
Associations and certifications
- NMLS
What people say
Competitive service
Quick and timely
Honest lender
Great refinancing rates
Patient and knowledgeable
Services
Conventional Loans
Conventional loans are fixed-rate mortgages not government-insured, ideal for borrowers with strong credit. They offer terms from 10 to 40 years with down payments starting at 5%. These loans provide stable monthly payments and lower fees compared to government-backed options. Our brokers help clients navigate Fannie Mae and Freddie Mac guidelines to secure optimal rates.
FHA Loans
FHA loans assist low-to-moderate-income borrowers with minimal down payments and flexible credit requirements. These government-insured loans require as little as 3% down and a 580 FICO score. We specialize in helping first-time buyers access competitive rates while meeting HUD guidelines for property condition and borrower eligibility.
VA Loans
VA loans provide zero-down financing for eligible veterans and active-duty personnel. Backed by the U.S. Department of Veterans Affairs, these loans offer competitive rates and relaxed credit standards. Our team streamlines the process for primary residences, ensuring compliance with VA appraisal requirements and occupancy rules.
DSCR Loans
DSCR loans evaluate property income potential rather than borrower personal income, ideal for real estate investors. These non-QM loans require debt-service coverage ratio analysis to qualify commercial or rental properties. We connect investors with programs that finance purchases or refinances based on cash flow projections.
Refinance Loans
Refinance options lower monthly payments, reduce interest rates, or access home equity. We offer rate-and-term and cash-out refinancing for primary residences and investment properties. Our process includes credit evaluation, appraisal coordination, and comparison of current market rates to maximize client savings.
People
Don Reynolds
President
With over 20 years in mortgage banking, Don specializes in purchase and refinance transactions. He holds NMLS #1217170 and operates in AZ, CA, CO, FL, MI, OH, SC, and TX. Clients praise his responsiveness and expertise in securing competitive rates for complex scenarios.
Dan Graner
Sr Mortgage Master
Dan Graner, NMLS #1741084, brings extensive experience in residential lending. Licensed in CO and FL, he focuses on personalized service for primary residences and investment properties. Clients highlight his clear communication and timely loan closings.
Questions
What mortgage loan types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse, DSCR, construction, and refinance loans. Our brokers help clients choose the best option based on credit profile, down payment, and investment goals.
Can I get a mortgage with a low credit score?
Yes. FHA loans require minimum 580 FICO scores with 3% down. Our team evaluates alternative credit histories and works with borrowers to improve scores before applying for optimal terms.
How does the refinance process work?
We start with a credit check and home appraisal. Our brokers compare current rates against your existing mortgage to determine savings potential. The process typically takes 30-45 days from application to closing.
Do you offer loans for investment properties?
Yes. We specialize in DSCR loans, conventional investor mortgages, and portfolio lender programs for rental properties. Our brokers help investors secure financing based on property cash flow or personal financial strength.
What are your down payment requirements?
Conventional loans start at 5%, FHA at 3%, and VA loans offer 0% down options. Specific requirements depend on loan type, property use, and borrower credit profile as evaluated by underwriting guidelines.
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