PHOENIX, ARIZONA & SOUTHERN CALIFORNIA

FAST, EASY, PERSONALIZED MORTGAGES

Your next chapter starts with the right mortgage.

Whether you’re buying a home, refinancing, or unlocking your home’s equity, I’ll help you move forward with confidence. I’m Jim Apessos, the mortgage broker behind Jim the Broker, powered by Barrett Financial Group, bringing 30+ years of experience and access to 180+ lenders to find the right fit for you.

I help buyers and homeowners in Phoenix and throughout Arizona. I also serve Scottsdale, the East Valley, and West Valley communities including North Glendale, Peoria, Surprise, Sun City, Sun City West, Litchfield Park, and Goodyear.

In Southern California, I serve San Diego County, Orange County, Los Angeles County, and the Inland Empire.

I’m also licensed in Oregon, Washington, Colorado, Pennsylvania, New Jersey, and Florida.

APPLY NOW

PURCHASE

REFINANCE

HELOCS / HELOANS

Jim Apessos, mortgage broker with Barrett Financial Group

I’m Jim, and I’m here to help.

Your next chapter deserves the right mortgage and someone who cares about getting it right.

For more than 30 years, I’ve helped clients turn big plans into real possibilities, with personal attention, straightforward advice, and a hands-on approach from our first conversation through closing.

Every client has a different story. Whether you’re buying your first home, making your next move, refinancing, or putting your home equity to work, I take the time to understand what matters to you. Then I put my experience and lender relationships to work finding options that fit your goals.

As a mortgage broker, I can compare programs across a broad network of lenders. That gives us more options to explore and lets me explain the differences in rates, costs, and loan features so you can move forward with confidence.

I believe great service means being accessible, staying ahead of the details, and keeping you informed. You deserve to feel supported throughout the process, and long after the paperwork is signed.

My goal is to become your lifelong mortgage advisor, someone you feel confident calling again and recommending to the people you care about.

CONTACT JIM

How I Work

Fast, Easy, Personalized Mortgages.

It’s not a slogan. It’s the three things I’m actually measured on.

FAST

Let’s get you moving.

I believe in getting it right from the start. Before submitting your loan, I thoroughly review your file and address potential issues to help it move quickly through underwriting. That preparation helps me get most of my loans cleared to close within two weeks.

EASY

I’ve got you.

I work to minimize the paperwork and keep things simple for you. I’ll explain what’s needed, help you gather the right documents, and handle the back-and-forth with the lender. My goal is to make the process easy from start to finish.

PERSONALIZED

More options.

With access to 180+ lenders through Barrett Financial Group, I compare rates, fees, and loan programs to find a fit for your goals and budget. You’ll get straight answers, personal attention, and someone who treats you like family, from our first conversation through closing.

Ready to make your move? Let’s talk.

☎ Call (619) 737-7879

Mortgage Solutions

Buying a home, refinancing, or putting your equity to work? Let’s explore what’s possible.

Whether you’re buying your first home, making room for what’s next, or looking to make the most of the home you already own, I can help you explore your financing options. I work with first-time buyers, move-up buyers, self-employed borrowers, and homeowners with more complex financing needs.

Loan options include conventional, FHA, VA, and jumbo mortgages, along with home equity loans, HELOCs, bank statement loans, and reverse mortgages.

30+ years of mortgage experience
Financing for purchases, refinances, and home equity needs
Licensed in AZ, CA, OR, WA, CO, PA, NJ, and FL

LET’S TALK

Ready to Find Your Loan?

Whether you’re buying, refinancing, or investing, let’s talk through your options — no pressure, just straight answers.

Get In Touch With Me

Natalie Sanchez

1 days ago

I can't say enough good things about our experience working with Jim! From the very beginning, he was incredibly responsive, easy to communicate with, and always kept us informed. I never felt like I had to chase him down for updates or wonder where things stood, which made a huge difference throughout the process. Our situation wasn't exactly straightforward, and the bank we were working with had quite a few hoops for us to jump through. But their loan program was a great fit for what we needed, and Jim was willing to take it on knowing it wasn't going to be an easy process. He was upfront with us from the start about what would be required, what challenges we might run into, and what to expect along the way. What I appreciated most was his communication. He took the time to explain things, answered every question I threw his way (and there were plenty!), and was always available when I needed clarification or information. I really felt like he was looking out for us and doing everything he could to get us through the process. Buying or financing a home can be stressful enough, and having someone like Jim in your corner makes all the difference. I wouldn't hesitate to work with him again and would absolutely recommend him to anyone looking for a knowledgeable, honest, and dependable loan broker.

Mike Paisker

11 days ago

Jim has helped me with two home Refi’s and one new home mortgage. He’s always simplified the process through good communication, knowledge and professionalism. Jim was always available to answer questions via a phone call or text. In these times of high interest rates, he went above and beyond on getting us the best possible rate. If you’re looking for a mortgage broker who truly cares about his clients and goes the extra mile, I would highly recommend Jim. As always Jim, thank you for making the whole experience a positive one! Mike & Felicia

Felicia Pautsch

11 days ago

We couldn’t be happier with our experience! Our mortgage broker Jim was incredibly helpful, attentive, and genuinely committed to finding the best mortgage to suit our needs. He took the time to understand what we needed. He was always available and willing to answer any questions we had, gave his opinion when asked, and really made sure we felt supported and informed throughout the entire process. It was clear that Jim had our best interests at heart and truly wanted the best outcome for us. Beyond being excellent at what he does, he’s simply a wonderful person to work with. We are grateful for all his help and would highly recommend him to anyone looking for a knowledgeable, reliable and caring mortgage broker. Thank you Jim.

Toni Ochoa

18 days ago

Working with Jim Apessos on our HELOC loan was so quick and easy. Jim found us a great loan to fit our needs. He walked us through each and every step and answered our questions promptly. Jim made a complicated process feel simple and stressfree. Jim Apessos is a true professional and we highly recommend him for all your loan needs.

Nicholas Spinella

23 days ago

Jim was wonderful and a pleasure to work with. He was very patient with us in finding the correct financing and also patient during the whole process with any questions or concerns we had. Highly recommend and will be recommending him to any family or friends

Maribeth McFeron

23 days ago

I worked with Jim on getting a HELOC loan. He is very professional and responded quickly to any questions I had and very informative. The whole process was seamless. Working with Jim was a pleasure. Highly recommend!

35 days ago

Please look no further than Jim for all things lending. My husband and I have worked with him multiple times and it has always been stress-free and fast. He works exceptionally quickly. He is also very personable and trustworthy. I can always count on Jim to get things done on time and accurately. It just seems like he cares and he wants to do what's best for people. He is very responsive to any questions you might have. He is knowledgeable and thorough when it comes to shopping around for the best rates and saving his clients money. I can't say enough good things! Go with Jim!

Rio Baxter

65 days ago

Jim was a joy to work with. So professional and thorough. Absolutely would recommend him to anyone who's looking for a loan . Whether you are brand new to understanding how it works or have been through the process before, he will meet you where you are and do a stellar job. 5 Stars!

Brenda McCoy

78 days ago

We cannot say enough kind words about Jim Apessos with Barrett Financial. Jim was so very polite and excited for us throughout the entire process of purchasing our new house. He kept us informed and guided us with all the paperwork process. Jim worked diligently as I’m positive he does for all his clients! We highly recommend Jim for your financial needs. Kudos! Michael and Brenda McCoy

Raymond Shouse

86 days ago

Jim was very personable and helpful in our journey to get this loan. We found him to be very knowledgeable and very considerate of our situation. I have the utmost confidence in his ability.

Jeri

122 days ago

Jim was recommended to my husband and I to help us with a home improvement loan. We researched a number of other possibilities before deciding to work with Jim. He was able to get us a great rate, kept in close communication, and made sure everything went smoothly. We are so happy we made this decision. If you are searching for the right person to help you get a loan, don't hesitate to work with Jim. He's awesome!!!

Carrie McGourty

135 days ago

This was the quickest and most pleasant experience I’ve had doing business. Very professional friendly and efficient. Thank you for taking any stress or possible frustration out of procuring my home loan.

M Rios

140 days ago

Jim worked above and beyond to secure two second mortgages for us simultaneously. The process was quick and efficient. I have never had a loan process so quick, about 2 weeks from starting the process to funding. Jim was also a pleasure to work with and always communicated and answered my questions quickly. I highly recommend Jim for any loan needs. We will be needing Jim’s help again when rates drop for a refinance.

Tina Haran

178 days ago

Working with Jim was an amazing experience from start to finish. He made the home buying process smooth, stress-free, and kept me informed every step of the way. I truly appreciated his professionalism, quick communication, and dedication to helping me close on my home successfully. Highly recommend!

Nicole Dempsey-Flores

204 days ago

Jim is our go-to guy, for sure! My wife and her family has used him for years and we've followed him to Barrett Financial... where he continues to be a breeze to work with. Supportive, honest, professional experience every time. I'm 100% confident recommending him to friends and family.

Edgar Moreno

205 days ago

Jim was very helpful throughout the process and guided me through step by step. He is really efficient and is an Ace at what he does. 2 Thumbs up from me. Glad to have him helping me and my family.

Michelle Tatka

211 days ago

Close to 30 years in real estate now and Jim is hands down one of the best loan officers we have ever worked with! He goes out of his way to exceed client's expectations and always makes us look good. He has never failed to meet a close date or any challenge that arises. In addition to exceptional service, Jim is also just an incredibly nice guy!

Elizabeth Yorke

227 days ago

Jim was amazing at handling the refinance of my house. From start to finish he kept me in the loop and answered all my questions. Jim was swift and got me a great deal!!! I will be continuing to work with him in the future.

Carol Scott

234 days ago

Jim Apessos has been so very helpful in providing the information needed to purchase our new home in AZ. He was so very professional and provided exceptional guidance through our buying process. He provided excellent service and we would definitely rely on him again. Thanks Jim. You went above and beyond to provide us the best rate and service possible. Thank you and we’ll keep in touch.

Sol Fink

234 days ago

My wife and I recently refinanced our house. Our Mortgage Broker Jim Apessos (Barrett Financial Group) was incredibly knowledgeable and made the entire process easy to understand from start to finish. Jim and his team were highly efficient, ensuring every step stayed on track without delays. Jim's communication gave us confidence throughout the process. Thanks to his professionalism and speed, our refinance went smoothly and closed quickly.

Charis Bliss

245 days ago

Jim was a dream to work with. I had struggled with another person/company who could not get the job done over a6 month period. Not only did Jim use his resources to secure a loan in less than a month, he went the extra mile to correct an issue with my title and provided documents and instructions on how to correct an issue with my property tax bill. I will look to Jim for future needs and share him info with friends.

Thomas Oakley

275 days ago

Super easy to work with got us a super good deal. Kept us in the loop for every step of the way

Dani Mishock

279 days ago

We truly couldn’t have asked for a better experience with Jim Apessos. From day one, Jim treated us like family, not just another loan file. My husband is a Veteran, and Jim’s knowledge of the VA loan process was incredible — he explained everything clearly, answered every question (no matter how small), and was always just a call or text away. He made what could have been an overwhelming process feel smooth, organized, and honestly stress-free. Jim went above and beyond for us, and we are so grateful for his dedication and professionalism. We would recommend Jim Apessos a thousand times over, especially to fellow Veterans and their families. Dani and Justin Mishock

Jonathan Biard

286 days ago

Working with Jim and the team at Barrett Financial Group has been an exceptional experience from start to finish. Their communication was consistently clear, timely, and proactive, which made an otherwise stressful and fast‑moving process feel manageable and well‑supported. Despite a choppy workflow with the lender, Jim and the team stayed focused, persistent, and solution‑oriented. They kept everything moving forward, stepped in at the right moments, and navigated several complex issues behind the scenes with professionalism and transparency. My wife and I are sincerely grateful for the team’s dedication, perseverance, excellent communication, and commitment to getting our loan cleared on the timeline we needed. And, most importantly, enjoying our new home! We highly recommend Jim and the Barrett Financial Group and would gladly work with them again.

Tricia Lanette

288 days ago

I've worked with several times over the past 10 years and highly recommend him. He's friendly, knowledgeable and has incredible attention to detail.

William Asa

317 days ago

Jim has great communication and was very helpful with questions and concerns during the whole process of my HELOC. Would refer to friends and family and tell them to make the call and don’t look back.

Mohammad Shafkat Islam

344 days ago

Jim was really helpful throughout the whole lending process. He is very knowledgeable and has years of experience, and provided financial advice on every aspect. He found the best interest rate and lowest PMI and made the whole process smooth. Highly recommended.

Ryan Snowberger

371 days ago

Jim was just truly an amazing person he went well out of his way to help me get my home as well as sending a very nice housewarming gift

Craig Allred

402 days ago

Working with Jim was an absolute pleasure. He helped me secure a highly competitive HELOC to support my ADU construction, and the entire process was smooth, transparent, and stress-free. Jim is not only incredibly knowledgeable about mortgage products and lending strategies, but also genuinely friendly and approachable. He took the time to explain every detail, answered all my questions with patience, and made sure I felt confident at every step. If you're looking for a mortgage broker who combines expertise with exceptional service, Jim is your guy. Highly recommended!

Rebecca Diaz

423 days ago

Jim is responsive, kind, honest and knowledgeable. Amazing job!

Paul Campos

433 days ago

Jim exceeded our expectations! We were involved and informed every step the process. I am recommending Jim to everyone.

Susan Martin

435 days ago

Jim has helped me multiple times over the years...he listened to what I needed and he delivered. He is truly a pleasure to work with!

Yulia Kalk

442 days ago

Jim is what every professional should strive to be - attentive, very knowledgeable about his field, fast and reliable! I consider myself lucky to have found Jim - he helped us refinance our house in the most convenient, timely and painless fashion possible. The whole process, start to finish, took 2 weeks and involved one or two phone conversations. After the initial conversation, most everything can be done on-line (which I did). Jim followed up 6 months later to offer a no fee refi to lower our monthly payments since my credit score had improved significantly. The second refi was just as easy and took less time, and I didn’t have to do anything for it other than review the terms, agree and sign:) Extremely professional with deep knowledge of his field and ability to think through specific situations quickly - I will absolutely use Jim's services again and will recommend him to anyone who will listen! Thank you so very much for your help, Jim.

Yildirim Aydin

443 days ago

Best mortgage broker I ever worked with and super nice guy.

Dawn Christiansen

491 days ago

Jim is very knowledgeable. He found the best deal for our needs and answered all my questions. This is our third mortgage with Jim. He’s the best. I highly recommend him.

Brandon w

500 days ago

Jim Apessos was excellent. He kept me informed on the process and was patient with me and my demanding work schedule. Including he was able to keep our phone calls short due to difficult my work schedule is. Jim is very easy to work with and treats people as a real individual. I recommend Jim Apessos to anyone as a FTHB or ReFi.

Jen (Raven)

520 days ago

Jim was amazing to work with. Was super communicative throughout the entire process. Answered all of our questions thoroughly. We will use him again for our next house!

Matt Thornton

542 days ago

We have been working with Jim for over 10 years and he is the only broker we will work with. Not only has he helped us fund our last two homes, but he was able to help us with a HELOC loan that allowed us to cut our monthly payments down to a third of the cost. He is knowledgeable, trustworthy, and will work endlessly to find the right loan option for you. Do yourself a favor and use Jim. You will never look back. We appreciate all he has done for our family!

Anthony Avila

551 days ago

Jim was quick and efficient. We were in a pinch and needed a loan done fast. He got the job done! Couldn’t be happier with the service. Thanks Jim

Brian Carey

554 days ago

Jim goes above and beyond with his communication. You are never left wondering what is happening or what is expected. Jim is fast, and his customer service is beyond great. I strongly recommend Jim.

Judith Kranetz

574 days ago

Jim was professional, detail-oriented, very well-organized and effecient - he made the whole process painless (simple and quick) - most of the time, we had things already set up before I even thought to ask the question! I would highly recommend him - just a pleasure to work with.

juan mendez

635 days ago

I’ve been a homeowner since 1990. Since then I have bought and sold several homes. My recent loan with Jim Apessos has been by far the smoothest process I have experienced. I have no doubt I’ll work with Jim again. He goes the extra mile to get you the best loan out there for you. Thanks Jim Juan Mendez

Ellen Camarillo

673 days ago

We had a great experience with Jim for our refinance. He was very professional, easy to talk with, very helpful, quick and efficient. We highly recommend Jim Apessos.

Michael Tarlecki

742 days ago

Jim is amazing. He was able to procure a fantastic rate, and fund the loan in two weeks. He fully explained the process thoroughly, and provided options to lower my closing costs. Highly recommended.

Steve Winn

779 days ago

Jim was great to work with I would recommend him to all my friends and family.

Jason Brill

787 days ago

Excellent advice and explanation. Very professional and efficient. Would recommend Jim highly.

Heath Oetken

791 days ago

Jim was absolutely incredible to work with and was the key person to ensure my home buying experience was flawless from offer through closing. I worked with a few other lenders and was underwhelmed but fortunately I connected with Jim and his delivery was perfect. He was fast, efficient, responsive and provided excellent communication throughout the entire process. Jim will be my first call for my future re-finance or mortgage needs. Thanks again for everything!

Paul Durfee

793 days ago

Jim was so easy to work with and did an amazing job throughout the whole process of keeping me informed and answering any questions I had. He was also readily available and very quick to respond to emails. I would highly recommend working with him

Eddie Hill

795 days ago

Thank you so much Jim from the bottom of our hearts. You knowledge and foresight guided us through this very complicated process and we can out winning. Jim Apessos is very professional and thoughtful, his generosity with his time and information made all the difference to removing the stress. We have used Jim for the last few years and will certainly continue our relationship into the future. Thank you so much your the best.

Shayne Bigelow

862 days ago

Jim Apessos from Barrett Financial is very professional and knowledgeable. He was meticulous, kind, and helpful in guiding me through the financing process. He will get the job done for you! Jim is now my lifelong finance broker.

Heather Hernandez

881 days ago

Working with Jim has been a pleasure! He is knowledgeable, communicative and goes above and beyond for his clients. We were between two lenders to help us secure our home and we ended up moving forward with Jim because of his vast knowledge with VA loans. He also is licensed to work in multiple states. Jim and his team are on top of it from start to finish. He kept us up to date on the daily interest rates helping us to secure the best rate in months. Jim was very responsive and helped us navigate an unforeseen obstacle while in escrow. He has a hands on approach and works vigorously to find a solution to any issue. He will not let anything stand in the way of securing a loan for his qualified clients. The systems his company uses are easy to navigate and makes working virtually a breeze. Jim went above and beyond for our family. I have worked with many lenders as a Realtor and Jim truly sets himself apart with customer service. With Jim, you will never wonder what is happening in the loan process. He keeps you up to date every step of the way. Jim is top notch at what he does and will make your escrow process more smooth. We plan to recommend Jim to both friends and clients in the future. With Jim on your team, you will get the job done!

Ilona Carnes

902 days ago

Jim Apessos is a breath of fresh air! His level of experience and communication made my refinance a pleasure. What could have easily become a lengthy stressful situation, Jim handled effectively and efficiently. Such a wonderful experience I recommend 10/10!

Anthony Cleveland

908 days ago

A top notch professional in the business! We are very happy with Jim's speedy work helping us realize our dreams. Friendly guy who made things easy for us. Will definitely use him again.

Guy Soffer

911 days ago

My husband and I recently purchased our first home, and we were fortunate to have Jim Apessos as our mortgage broker. Jim was referred to us from a friend of ours. From start to finish, Jim demonstrated professionalism, expertise, and a genuine commitment to our success. What truly sets Jim apart is his remarkable speed and efficiency. Despite the complexities involved in securing a mortgage, Jim worked tirelessly to expedite the process, ensuring that our loan closed in record time. His dedication and attention to detail were evident every step of the way, instilling us with confidence and peace of mind throughout the transaction. Jim's communication skills are exceptional. He kept us informed at every stage, promptly addressing any questions or concerns we had. His transparency and accessibility were invaluable, making the entire experience smooth and stress-free. We are incredibly grateful for Jim's outstanding service and unwavering support. Thanks to his expertise and dedication, we are now proud homeowners. If you're in need of a mortgage broker who delivers exceptional results with unparalleled efficiency, look no further than Jim Apessos. Highly recommended!

Donna LaDouceur

918 days ago

If you need a home loan or refinancing Jim is the guy to go to. I have never had such a greater experience. If I need to get another home loan again I will definitely go to him. Thanks Jim for all your help and guiding me through the process

Julie Puleo

932 days ago

Jim Apessos at Barrett Financial Group exceeded all expectations we had about the process of getting approved for a loan. We are sincere in saying Jim made the experience painless and exciting. His attention to detail, knowledge, and access to multiple financing options made it possible to get the loan we needed. Thanks to Jim Apessos, we are in the process of building our dream home. If you have a dream to build or own a home but don’t know where to turn or doubt the possibility, Jim Apessos is your guy! Thank you Jim! ~Teresa and Julie Crisan

Stacy Williams

1009 days ago

I don't think words can express how amazing this process was. Jim was able to get our clear to close in 3 days from submission and we funded in just over 2 weeks. If you are looking for a loan officer that truly cares about you, and your home purchase, Jim is the guy for you! We will continue to use Jim for all of our mortgage needs. Easiest process with absolutely zero stress!! Thank you, Jim, for going above and beyond!! We appreciate you!!

Inland Oasis Pool Service

1078 days ago

Jim was amazing throughout the whole homebuying process. 5 stars isn't enough. I will be recommending him to everyone I know that is interested in buying a home.

William Tronvig

1172 days ago

I highly recommend Jim Apessos to anyone who values extreme professionalism, exceptional custom service, and a work ethic and drive that is rarely found in today's World. During our purchase, Jim would go out of his way several times to ensure the entire process was clean and smooth. His communication style and responsiveness couldn't have been better. He is transparent and educates you along the way to alleviate any questions. He measures twice and cuts once to improve efficiencies and has the knowledge and foresight to understand what makes sense and what doesn't. Above all else, Jim is friendly, kind, and fun to work with! We have and will continue to recommend Jim to our friends and family and will keep working with Jim in the future. Thank you again, Jim, for helping us out! You are the are the best!!! 😊👍🤓

Stephanie Abrot

1190 days ago

Jim helped my partner and I purchase our first home and made the process super easy and smooth. He is personable, kind, and is happy to share his wealth of knowledge with his clients. As first-time homebuyers, we had many questions and concerns, but Jim put us at ease and answered every single one of them. Above all else, he takes great pride in his excellent customer service. He is quick to respond, keeps you fully updated with your loan status and what the next steps are. On top of that, he delivers with a lightning-fast closing turnaround time. All my friends and coworkers were amazed with how fast the process was…. And honestly, it’s all thanks to Jim! Having him handle our loan was the best decision and I can’t recommend him enough. Jim – thank you so much for your help. We are so grateful for your efforts, time, and now we get to move in!!

John Reid

1205 days ago

During our home buying experience Jim Apessos/Barrett Financial made every step pain free. When we had questions, Mr.Apessos took the extra step to get all the answers we needed. He also connected us to a cost-saving program and pushed to get our desired closing date after the seller tried to change it to a later date at the last minute. From getting us the lowest possible interest rate to sharing his knowledge on what to watch out for when buying a newly built home, Mr. Apessos helped to get us to the finish line and we are very appreciative of that.

Timeri Pavia

1290 days ago

Jim is best in class in his field! He made the process easy, seamless and pain free! Jim will be my lifelong mortgage go to guy! Highest of recommendations!!!

Jennifer Coppola

1575 days ago

I’ve worked with Jim in the past and was excited to work with him again when it was time to do a cash out refinance. The loan had some unusual circumstances since I was dealing with a rental property with different guidelines than a primary residence. Jim walked me through everything and handled all my concerns. The process was smooth and I closed in a timely manner. Jim is top notch and highly recommended.

Marie Coppola

1591 days ago

Jim’s clear and efficient approach made the whole process quick and painless. Definitely recommend!

Angela Natale

1637 days ago

Jim is the best loan officer! Start to finish he was responsive, knowledgeable, patient, kind and helpful! He helped my Veteran father, and mother, buy a home in a crazy housing market. Thank you, Jim, for all of your assistance with my parents house purchase, you are the best! 5 stars for Jim and I would recommend Jim to anyone needing a loan officer.

Cameron Garbrick

1638 days ago

Jim was amazing to work with. He helped my wife and I purchase our first home and did an amazing job. His communication and responsiveness was great. He worked efficiently and completed the process quickly. I really felt he was an advocate for us and made sure the loan went through. He has talked me through the process and what to expect, and tells us our relationship doesn't end when we close. He is always available for questions or concerns with anything about our mortgage.

Karen Mullins

1679 days ago

Jim was very helpful on every step of the loan process. He would explain everything clearly and would always answer me in a timely matter. We hit a snag on our end and Jim was able to hold are rate.

April Mucciante-Oregon

1798 days ago

It was a pleasure to work with Jim. He was quick and thorough. He communicated with me and let me know what was going on the whole time!!! Thanks again jim!!!

Tanya Thirkell

1833 days ago

Jim was amazing to work with. He was able to complete our loan quickly and efficiently without and delays or surprises. This was the best refinancing experience I have ever had. I will definitely be a return customer if the need arises. Excellent customer service experience!

Maureen Gonzi

1914 days ago

Jim has helped my family and I refinance our homes in the past and also present. He always has time for his clients and has always delivered. He is trustworthy and quick! I highly recommend Jim if you are looking to refinance your home!

eric reichert

1934 days ago

This was our first mortgage and Jim and his team were amazing! They kept us informed throughout the process & worked extremely well with our realtor. Thank you Jim!

Jesse Carrera

1934 days ago

Jim is the best at what he does !! He makes refinancing so easy. I would recommend him to everyone !!!

Charles Sweeney

1946 days ago

Superb mortgage expert- he is a detail oriented pro! Highly recommend to anyone!

Rick Gorsline

1948 days ago

Jim made refinancing our house easy! Straight-forward explanations and point-and-click execution. Thank you Jim!

Nicole Thornton

1954 days ago

Jim is absolutely amazing!! From start to finish Jim helps you through the process. You will always know the status of your loan and there will be no surprises when it comes time to sign! We have used Jim for both our home purchases and a refinance. This latest purchase was a difficult process due to some less than honest dealings on the part of our buyers' realtor. Jim stayed in constant contact with us, our realtors, and our title company and moved heaven and earth to get our loan funded on a specific timeline so we could close and move in! We will always place our trust in Jim!

Jozef Szyszko

1960 days ago

I had a very pleasant experience with Jim. He was very helpful and very straight forward. I recommend him for any loan, or refinancing needs.

Melanie Gonzales

2029 days ago

Jim Apessos did a fantastic job doing my re-fi. The loan process was quick; finished in 3 weeks. He is very professional and I really enjoyed doing business with him. I highly recommend Jim for any loan or re-financing needs. Thank you Jim for such a positive and great experience.

David Bostrom

2032 days ago

We have re-financed several times and this was by far the easiest and hassle free re-finance that we have ever done. A real pleasure to work with Jim

THERESA ROLAND

2032 days ago

This is the second time I used Jim Apessos @ Midwest Mortgage. Hands down the best experience! Jim is always very professional, kind and efficient. Refinanced in 3 weeks from beginning to end! Couldn't have asked for a easier process! Will definitely be return customer.

Dan Docherty

2051 days ago

This is the first time Jim has set up a mortgage for me, I've had over 30 mortgages and refi's on investment and my own properties, and this was the easiest and quickest by far, Jim was excellent throughout the whole (very quick) process. Thanks Jim, it was a great experience.

Violet Lorris

2059 days ago

This is the second time I have used Jim @ Midwest Equity and he saved me over $500.00 on my mortgage. His team makes it easy and fast no issues and keeps you informed the entire time of every step. His notary Sabrina is always happy and so nice when she meets you to get all the paperwork signed. I would recommend Jim to anyone that was even thinking of refinancing!

Monica Vargas

2102 days ago

I have worked with Jim on my refis several times now, I keep going back to him because he has made the process easier every time, he is detailed and very clear about the process, he always answers my questions timely and provides the information I need to make my decision easier. Thank you Jim for all your help!!

Laura Zoucha

2115 days ago

Jim has helped me with a purchase and then a refi. It’s always easy to work with him and is never a hassle to get documents. Each time I’ve worked with him, the process was completed in a month - incredible with some of my friend’s loans or refis taking literally MONTHS at this time. I will never do my home lending through anyone else.

Stamatia S

2134 days ago

Jim was excellent and extremely helpful every step of the way. He was easy to work with and very knowledgeable. I have done multiple mortgages and this was by far the simplest and quickest transaction in addition to the best rate! He is now my go to mortgage guy.

Christina Vasquez

2136 days ago

We had the absolute best experience with Jim. This is our first home and our first refinance and he walked us through each step and explained everything in great detail. He is quick to respond to questions and helped me feel educated on the home loan/refinance process. I heard so many horror stories from friends about their refi process and I am happy to report that we didn't feel one bit of worry or inconvenience throughout ours. Jim is trustworthy and honest and I would recommend him to anyone I know so they can also have a wonderful experience as we did. He will be our go-to guy from now on!

Michaela Scarla

2138 days ago

Jim did a great job with our mortgage. Awesome experience, highly recommend!

Candice Shearer

2157 days ago

I have worked with Jim to refinance a few times since owning my home and has saved me thousands of dollars over the years. He is always great to work with. He answers all my questions clearly and directly. The process is so easy and streamlined when working with Jim. I have several friends who have refinanced with other companies lately. They have so many complaints from the lack of communication and lack of clarity on the process. I have never experienced that with Jim. Jim definitely is exceptional at managing all the details so I don’t have to worry about it. I highly highly recommend Jim for your mortgage needs.

Brian Cockerill

2205 days ago

This was definitely the easiest refi we have experienced. Quick and extremely easy. Plus, we got a great rate and are finally able to relax a bit (financially). I'm referring you to my neighbor and another member of my Elks Lodge.

Omar Sarsour

2206 days ago

Incredible to work with and my best mortgage / refinance experience by far. Extremely efficient, fast, and straightforward. I was very impressed with the speed to close our refinance in this busy refinancing boom. Excellent work Jim!

gary ratay

2219 days ago

If you need a mortgage or a refi, Jim Apessos is the Loan Originator for you. I have done several loans with Jim. He is very knowledgeable, extremely responsive, very efficient, and will get you the best rates in record time. Jim and his staff are friendly, professional, and thorough. Give them a call.

Daniel Natale

2220 days ago

I have worked with Jim on my last two loans. He is always very responsive and professional. The rates he has provided have always been very competitive. The closing process has always been one of the easiest I have every experienced. The entire process was very smooth from origination through to closing. He even checks in periodically to make sure you are completely satisfied with your experience. I would highly recommend Jim for all your loan and refinancing needs.

Clara Escobar

2225 days ago

I highly recommend Jim Apessos! I talked to a lot of mortgage lenders and agents in the past to get rid of the PMI when we purchased our new home and I did not have any success until I talked to Jim. Not only did he helped me and my husband rid off the PMI he also gave us a much better rate. Just recently he helped us again to refinance our mortgage for a much better rate and shorter term and skipped 2 payments and not to mention the closing cost was minimal. Jim is very thorough and kept us posted in a timely manner. He is reliable and extremely helpful. So for those of you who are looking to refinance or buy a home Jim is your go to person. Thank you so much Jim for all that you do. We greatly appreciate you! A very happy and satisfied customer here!!!

Florian Tompkins

2225 days ago

Jim has been my family’s go to lender for years. He’s very easy to work with, upfront, honest and very efficient. I highly recommend him. Thank you again Jim!

Mindy Farinas

2226 days ago

My husband and I have had the pleasure of working with Jim on a few loans. Each time we worked with him he has exceeded our expectations. His years of experience helped ensure that we got an amazingly low rate! He is not only extremely knowledgeable but also very trustworthy. Jim, we will be your loyal clients for life! Thank you for everything! Alvin and Mindy

Yvette Vasquez

2226 days ago

We refinanced our home with Jim, who was referred to us by Maria Barba, my husbands co-worker. He certainly did not disappoint. He was extremely polite and most important, extremely knowledgeable about Mortgages and rates. He will most certainly be our mortgage lender agent, I’ve also referred him to our son and daughter-in-law, and they too, have nothing but great things to say about Jim. He got us a great lower 20 yr fixed rate. Thank you Jim for your wonderful service. Joe and Yvette

Todd Rockwell

2226 days ago

I have refinanced with Jim 5 time, and it gets easier every time... on schedule no surprises, perfect. Highly recommended!

Mike Maziarka

2297 days ago

I’m not one for writing reviews but Jim definitely deserves one. Excellent communication skills, I knew exactly what was going on throughout the whole process. It was fast, short and sweet!

erica dietrich

2315 days ago

Jim made everything about the process seamless and stress free! He handled everything perfectly and quickly, professionally, and promptly. I had tried to work with another individual first, he did not compare to Jim’s professionalism and knowledge, They were not even in the same ballpark!... I highly recommend Jim for all of your mortgage needs!

Min Delos Santos

2316 days ago

Every question received an answer. Kindness was extended during each conversation. It really mattered to me to have Jim looking out for me. Thank you for your outstanding service!

Marci Ortega

2317 days ago

It was a pleasure to work with Jim! He does everything possible to accommodate your needs, gets the job done and FAST! I would definitely recommend his services and wouldn’t hesitate to use him again for my mortgage refi in the future!

Maria Mendez

2319 days ago

Working with Jim has been such an amazing experience. He made the entire process so simple and easy. He was always available to answer any of my doubts and questions. Made sure I understood everything that was going on. He top it up with a great interest rate 😊😉 he sure made me happy. He will now be stuck with me and be my long life mortgage lender! Thanks Jim you are awesome...

Dennis Spanoudakis

2319 days ago

How easy was that!! Jim made the process quick and was able to limit the amount of paperwork needed to close. Could not had asked for a better experience. Thanks Jim, let’s do it again someday.

dawn deponte

2319 days ago

Jim Apessos just helped me get a great new home mortgage. He made the process effortless on my part and helped me make reasonable goals for my future. I will be using and recommending his services when my friends and family need the best rates.

Anita Glad

2320 days ago

Jim was Awesome! We knew we were in good hands when he came highly recommend by our daughter who also is a loan originator. We offered and closed in 3 weeks, all during covid shut down. Jim made the entire process of us buying our “retirement “ home the quickest and easiest of any home purchases we had ever done. He was always available to answer all emails and questions we had, even with the 3 hour time differences. With his knowledge of the lending industry and outstanding personality , You will not be disappointed choosing Jim for your lending needs.

Brian Weil

2320 days ago

I can’t say enough good things about Jim. He helped us through a complicated refi with patience every step of the way. Highly recommended!

Sung Mun

2320 days ago

Jim is fast and efficient, one of the easiest mortgage refi experiences I've ever had. Thanks again!

cheryl patterson

2320 days ago

Jim was easy to work with, and efficient. He made the entire experience easier. He is knowledgeable personable and has perfect attention to detail.

Daniel Fridolfsson

2348 days ago

We just completed a home refinance with Jim. He was awesome. Like he said, it was the easiest mortgage process I have ever been a part of. Jim always kept me up to date and explained the whole process. He was available when I needed to speak with him. Their app was great to use as well and made signing documents and turning in documents easy. Great experience and would highly recommend.

Martha Ramirez

2355 days ago

Great service, no stress refi!

Angela Frame

2382 days ago

By profession, I am a loan document signer so I get to work with a lot of lenders and brokers. I met Jim many years ago and I noticed when I was signing the loans for his clients, they always were so very happy with their experience. In fact, he would have many repeat customers and referrals, all very happy with their lending experience. I have referred many of my friends and family to Jim as well. Just a few months ago, I got to experience his services myself when I was buying a new home. I absolutely loved how he was very upfront and honest with me about exactly what I needed to complete the purchase. He even worked extra to get me a better rate on mortgage insurance which brought my over all payment lower. If you are in the market to refinance or purchase and you want an honest, hassle free experience, I highly recommend you contact Jim!

Priscilla Berromilla

2395 days ago

I have worked with Jim twice so far both when purchasing my first home and recently for a refinance. He does an awesome job walking you through the details of the process and is very transparent especially when it comes to setting up a loan that realistically works within your budget. Also, I appreciate his ability to work quickly and efficiently. His response time when communicating makes the loan process easy. If you do everything on your end as a borrower for a refinance, he can help you get funded within one month! I highly recommend his services if you are looking for a reliable lender.

Kathleen Toomey

2415 days ago

About a year ago, I contacted Jim to see if we could get rid of my PMI. Jim was honest and quick with his response. Unfortunately, I had to wait a bit longer to refinance. Jim told me to be patient, and he was absolutely right! This experience was easy and smooth. Jim was always there to answer my questions. Now, my PMI is gone and I am saving money each month on my mortgage! Jim Apessos will be the only mortgage guy I will ever use!

Brittany Smith

2472 days ago

Jim is absolutely wonderful. We got lucky finding him and he will remain on our roster of advisors as long and as far as his career takes him, which I suspect will give us a great deal of time together. I wouldn’t use anyone else, and recommend Jim to everyone.

Vlad Costin

2472 days ago

Jim is very helpful and always available to educate and answer any questions. Will definitely use his services again in the future. Highly recommended.

Mark K

2472 days ago

This is the second time I have used Jim's services to refinance. We talked a few months ago and he advised to wait a while. As soon as rates dropped again, he called and we had the paperwork done and the deal closed in two weeks. I highly recommend Jim & Midwest Equity Mortgage.

Wendy Dempsey-Flores

2472 days ago

Jim is very helpful and friendly. It’s always a pleasure working with him. My family and I have done a few refinances, and have always been happy with his service! Jim is very knowledgeable and makes the process very easy. I would highly recommend him. He also keeps you updated with interest rates and recommends the best option for you. Thank you Jim, for all your help and making things a bit easier these past couple of years!

April Dockendorf

2522 days ago

Jim is literally the best at what he does. He knows his business, is honest with and works hard for his customers and has integrity. He has helped us refinance our home twice now and I would highly recommend him if you are buying a home or looking to refinance!

Chris Ginnaven

2534 days ago

We had the good fortune to work with Jim Apessos of Midwest Equity recently to refinance our home loan and lower our interest rate. We also worked with him a few years ago on a cash out refi. Back then he told me he wanted to become our loan officer for life. With the outstanding job he's done in the past he certainly will be our only choice going forward. If you're in need of a loan officer you can't do better!

Yvonne Lamb

2561 days ago

Jim is very professional and makes refinancing very easy. He explains what to expect and also schedule appointments on my time. I've tried other's in the past and wasn't happy. This is my 2nd time working with Jim..

Jerry Greenwell

2596 days ago

I sent Jim a request to look at our mortgage rate as the news of the fed making changes was emerging. He advised me to wait and when the rates were favorable we would act. Turns out the rates changed within a month and within a month of that we refinanced to save over 1/2 a point on our new loan- close to $800. It was an easy process with nothing out of pocket and a modest bump in the principle which I got back by skipping a month of payments. Great job, and clearly looked out for our interest by shopping for the best rate and program that worked for us. This is the 2nd time I have used Jim to lower my rate. Outstanding service!

Roseann Denton

2605 days ago

Great mortgage process with Jim . All went according to plan with no surprises. Would recommend to new homeowners or those looking to refinance. 👍

JoAlice Garbrick

2614 days ago

We have used Jim multiple times and have never had any issues.

Maureen Garcia

2623 days ago

We turned to Jim in desperation after a mortgage refinance we were working on through Wells Fargo fell through. We were 2 months in with a provisional approval when they suddenly asked for documents we could not provide. Jim was able to get our loan through in 1 week at a lower rate and with lower fee's. He even paid for our appraisal. He was very professional and responsive and answered all our questions. I sure wish we had found him sooner. Would have spared us a lot of time and stress.

Esti Wohlbrandt

2639 days ago

Jim Apressos is excellent. He was referred to me by a friend and I'm so glad because he was so easy to work with. Kept me updated every step of the way. He let me know what was going on and when. When he first looked over my paperwork to the day we were signing he was only a dollar off of what he had told me the new payment would be. I will use him over and over again. I would highly recommend that you give Jim a call if you thinking about refinancing or buying a house!

Julie Hill

2642 days ago

Great to work with! Got us an awesome rate on our home refinance.

Elizabeth Noakes

2661 days ago

My husband and I called around to Mortgage companies to process a re-fi on our home. Jim stood out to us in his confidence and time frame for the re-fi to take place smoothly. We went with Midwest Equity Mortgage with Jim processing the loan. Jim was on top of the process all the way through. We would use Jim Apessos again if needed and refer him to others. Thank you Jim for making it happen smoothly!!

Tricia Lanette

2665 days ago

I will only use Jim! Knowledgeable, prompt on responses and always looks out for my best interests, highly recommended!!

Ernesto Conde

2667 days ago

Highly recommend Jim. If ever in the market for a purchase or refinance, would not think twice about giving him a call. Im a repeat client. Jim understands the current market and in my case he gave me a call when rates became favorable again because it's what an advisor will do. You will not find a more seasoned mortgage professional in the industry. He has a simplified approach and kept me informed every step in the process. Let him go to bat for you - you'll be happy you did. Thanks

Yolanda C

2667 days ago

I have worked with Jim for a few years now. A co-worker had referred him to me. He was a blessing from day 1. My husband had passed away and he helped me through the process of refinancing my home. He made the process so easy to understand. I am so grateful for what he does. Thank you

Jeff Tindal

2667 days ago

This was my second loan with Jim. Both times I received top notch service and the loan funded quickly. Painless as could be. Highly recommend using Jim!

Elizabeth Dix

2682 days ago

Jim is amazing! We've now used him on several Regis and he has great customer service, responsiveness and explanations on complex processes! Makes the process super ready!

Oswaldo Ramirez

2684 days ago

Wow! what can I say that hasn't been already stated. My good friend referred me to Jim, he was praising him like no other, after doing business with Jim I realized that my friend was not kidding. Jim does amazing work. Jim is my go-to guy, he is knowledgeable, personal, intelligent and overall fun guy to talk to.

Glenn Stanfill

2710 days ago

Great experience with Jim at Midwest Equity!! We've been with Quicken for many years and Jim @ Midwest Equity beat Quickens best rate. He was very professional and friendly. The entire process was about three weeks and we closed. Great job and thank you very much for a great experience!!

RB Bernabe

2730 days ago

I cannot say enough about Jim and how it was such a pleasure working with him. What could have been a really cumbersome process of getting our home financed was really easy with Jim. He made sure we didn’t have a difficult time and always stayed in touch with us with each and every step. I would call him probably more times than I should have when I was buying my first home but he took every call and was always happy to talk to me. I wholeheartedly recommend Jim and his wonderful work.

Sindy M

2752 days ago

This is my second time having Jim help me with a loan. He’s like having an inside track, best friend kind of guy working for you. He goes the extra mile, is good for his word and makes a very challenging process seem easy from my, the borrowers perspective. If there is ever a need again, or anyone I know needs a recommendation, Jim is it!

Gordon Forsyth

2752 days ago

Jim is the most professional, friendly and informative home equity loan officer I have ever dealt with. I would recommend him to anyone. He keeps his client's best interest at heart.

George Rubio

2758 days ago

I was fortunate to work with Jim Apessos recently for a refinance on our home. He was excellent to work with all around, as he was not only able to get me the best rate at the lowest cost, but he closed the loan much quicker than I expected. He was constantly communicating status via email and text, and I always felt he was available if I needed to ask a question or had a concern. I have done many loans over the years and this Refi with Jim was by far the best experience overall. We will definitely be using Jim for all our mortgage loan needs moving forward.

Philipp Segura

2775 days ago

Honest, professional, great communication, the best experience I've had so far with a ReFi.

Zach Webster

2785 days ago

Jim was excellent. He managed to get my refinance, appraisal, and cash out and back to me within a couple weeks. Communication was great as well.

Julie Rincon

2810 days ago

My sister referred Jim to me and I can’t express enough how pleasant it is to work with someone who makes a home loan feel like a walk in the park. Jim took care of everything!!! I didn’t have to do anything. He knows I work odd hours so Jim set up the appointment to have my loan notorized at my home so I wouldn’t have to stress going out of my way to sign papers. My realtor was impressed how fast Jim gathered all the paperwork with no harassment. I highly recommend Jim if you’re thinking of doing any type of loan and he will find the best rate for you. Thank you Jim!!! You are awesome!!

John Randy

2810 days ago

Jim is awesome!! I have worked with Jim now 3 times over the pass 3-4 years. 2 times refinance and this last time purchasing a new home. His attention to customer needs and service is excellent. His speed at getting things done including loan approval to closure is amazing! If you need to close on a new home ASAP I highly recommend him. Great guy overall.

Asako S.

2815 days ago

Jim Apessos is the BEST! I worked with him twice to refinance my mortgage. He is honest, fast and courteous through the loan application process, and I cannot thank him enough for his amazing professionalism. When I worked with Jim for the first time in 2013, I was only a few months into a new job after being unemployed for over a year. Despite the challenging condition, he got me an incredible deal that resulted in lowering my monthly mortgage payment by $350. Fast forward 6 years, now that I have a steady job, I needed some cash for a major home improvement project. I applied for a home equity loan with a local credit union, but while I was waiting for my application to be approved, I called Jim to see what he had to offer. On the same day, he checked my financial background and approved me, and by the time the Credit Union approved my application, Midwest Equity sent an appraiser to my house and the loan was with an underwriter in no time. The second re-fi closed in 2 weeks after making the call. Jim, as usual, stayed in touch with me throughout the process to ensure everything was going smoothly. Thanks to Jim, I am looking forward to adding a room to my house....my home ownership is getting better and better!

Roberta P

2843 days ago

I was searching for help in a possible refinance and while i got a lot of people contacting me, the direct/friendly and helpful sounding email I received from Jim prompted me to email him. Am I happy I did so. We started discussing options, found something that was just what I needed, got the paperwork going and it was the smoothest, quickest process I think I've gone through! Jim's friendliness, helpfulness and professionalism was very welcome and he stayed in contact through this very short process and we got it all done and I could not be any happier! I will use Jim for future processes and I've already referred my family and a co-worker to him! I highly recommend Jim Apessos for your process, whatever that may be!

J Johnson

2877 days ago

Jim is what every professional should strive to be - attentive, very knowledgeable about his field, fast and reliable! I consider myself lucky to have found Jim - he helped us refinance our house in the most convenient, timely and painless fashion possible. The whole process, start to finish, took 2 weeks and involved one or two phone conversations. After the initial conversation, most everything can be done on-line (which I did). Extremely professional with deep knowledge of his field and ability to think through specific situations quickly - I will absolutely use Jim's services again and will recommend him to anyone who will listen! Thank you so very much for your help, Jim.

FAQs

Frequently Asked Questions

Contact Me

What areas do you serve?

I help homebuyers and homeowners across Arizona, including Phoenix, Scottsdale, and the East Valley. My strong West Valley focus includes North Glendale, Peoria, Surprise, Sun City, Sun City West, Litchfield Park, and Goodyear.

In Southern California, I serve San Diego County, Orange County, Los Angeles County, and the Inland Empire.

I’m also licensed in Oregon, Washington, Colorado, Pennsylvania, New Jersey, and Florida.

What types of loans do you offer?

Conventional, FHA, VA, jumbo, home equity loans and HELOCs, DSCR investor loans, 1099 loans, bank statement loans, reverse mortgages, commercial, and other specialized financing. As a Mortgage Broker with Barrett Financial Group, I have access to 180+ lenders and loan programs to find the right fit for your situation.

What if another lender already said no?

That’s exactly the kind of challenge I enjoy solving. My niche is finding financing solutions that other lenders often miss — even when others have said no, there’s frequently still a path forward.

How does the loan process work?

We start with a conversation about your goals, budget, and timeline. Then you complete an application, and I review your income, credit, and assets to compare loan options. Once you choose a program, I guide your file through the lender’s review, any required appraisal, and underwriting. Before closing, we review your final terms and costs so you know what to expect when signing and funding. I’ll keep you informed and explain what’s needed at each step.