Doylestown PA Mortgage Lender

The Bill Mervin Team at Apex Home Loans

MORTGAGE CALCULATOR

Monthly Mortgage Payments

Let us help you achieve your dreams

We’ve helped fund more than $250 Million in home loans

Whether you are buying a home, refinancing to a lower interest rate, refinancing to obtain cash or converting from an adjustable-rate mortgage (ARM) to a fixed-rate loan, we’ll help you choose the right mortgage loan. Reach out today for a simplified experience and find a home mortgage loan that help you achieve your dreams.

Are you looking for a mortgage calculator?  We have provided a monthly loan payment calculator for your convenience.  Click Here

FHA Loan is insured by the Federal Housing Administration. This is an attractive option for many first-time home buyers because it allows for lower down payment and easier credit qualifying.  READ MORE

A Conventional loan is one of the most popular types of loan programs and is ideal for home buyers with good credit scores. There are a variety of conventional loan programs with different minimum down payments. We lend both conforming and non-conforming (jumbo) loans.  READ MORE

Veterans Affairs (VA) loans are loans provided to active-duty military and veterans. These loans are guaranteed by the U.S. Department of Veteran Affairs. For those who qualify, VA loans are usually easier to obtain than conventional loans. READ MORE

Refinancing

Refinancing is the process of getting better terms on your current housing loan by taking out a completely new loan. This new-and-improved loan will leverage positive market conditions, and Bill Mervin Team can customize it to your financial goals. READ MORE

4 Tips to Get the Best Results on Your Mortgage Application

Helping customers get started on their loan application is an integral part of my job. This may seem like a straightforward task, but scores of new guidelines and regulations put into place in the wake of the housing meltdown of the mid-2000s has turned applying for a mortgage from a simple process into what can seem like an endless journey. The good news, however, is that the process of obtaining a mortgage can actually be quite easy, provided that you abide by some basic rules.  Here are four tips to help make your mortgage application a breeze.

1. Be organized

Today’s mortgage application requires more documentation than ever before.  The best way to make sure that the lender understands you’re a great borrower is to make sure you organize your documentation before you hand it in. Paystubs, tax returns, W-2s, bank statements, and more should all be scanned clearly, put in order, and categorized prior to being submitted. Providing an organized set of documents allows your lender to better understand your financial situation and effectively communicate your strengths to the underwriters.  If your lender needs to sift through piles of unclear documents, they run the risk of missing important factors that could make or break an application.   Organized documents at home will make this task even easier, and when your lender requests additional documentation (which is likely), being able to find is easily will all you to provide it quickly.

2. Be thorough

Being thorough is just as important as being organized.  Today’s lending regulations require that all mortgage files be perfectly documented. Therefore, as a borrower, it’s wise to make sure you send all documentation that applies to a certain aspect of your mortgage. Take care to send all pages of statements (even if they’re blank), clear copies of IDs, and explain any concerns you have clearly.  Chances are if your lender is asking for a document, then it is absolutely needed, so it’s a great idea to send good, thorough information and not cut corners. 

3. Be engaged

The mortgage process is an ongoing conversation between the loan officer, the borrower, the underwriters, and everyone else involved in the process.  The best way to insure that your loan closes on time and worry free is to be engaged in the process and available.  If your lender requests additional documentation, send it to them as quickly as possible.  What may seem like a small detail could be a vital piece of the puzzle, so being an engaged borrower is the best way to insure you have a successful application process. 

4. Be honest

No matter what it is you may be concerned about, it’s always best to talk about it with a mortgage banker up front.  With the regulations in place now, all bad news comes to light eventually.  However, most issues can be addressed and resolved with open communication.  When in doubt, disclose everything, and allow your lender to determine what is relevant and what isn’t.

If you follow these tips – remaining honest, engaged, thorough and organized throughout the process—you will put yourself in an excellent position to achieve the best results on your mortgage application.

For more information on our mortgage program, please contact Bill Mervin Team

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BILL MERVIN TEAM - APEX HOME LOAN

Why the Bill Mervin Team?

Our team is comprised of Certified Mortgage Planners who take a holistic approach to the home loan consultation and cash flow  planning. 

As opposed to just spitting out an interest rate and monthly payment, we believe building a relationship and understanding a client’s entire financial picture and long-term financial goals allow us to counsel, educate and build a custom mortgage planning strategy. Our goal is for every client to make confident and well-educated home buying decision.

A solo loan officer’s job ends when their clients are placed in debt.

Our team feels that our job continues well beyond the day of settlement. Through our “Mortgages Under Management” program, we proactively monitor your loan program for the entire time you’re in the home, and have quarterly and annual touch-points to keep you informed throughout entire process. 

Call us at 215-910-4293 so we can walk you through the options

What Makes us Better?

Solo Loan Officer

  • Wears many hats
  • Transactional
  • Has a finite amount of time
  • Makes lots of promises
  • “Too busy” to follow up
  • Cookie-cutter approach

Bill Mervin Team

  • Focused on the partnership with clients
  • Leverages multiple peoples’ time
  • Sustainable & scalable
  • Highest quality service levels
  • Consistently delivers
  • Thorough support Staff
family buying a new home

Client Success Story

Excellent Team, Excellent Service!

Bill and his team were fantastic to work with! Our family had been dreaming of purchasing a bigger home and we wanted to make sure that we went into the process with much care and diligence. Bill and his team answered all of our questions and concerns, and we especially appreciated how quick they were to respond and move to action. I would definitely recommend this team to anyone who is looking to purchase a home!

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5/5
  • Low Down Payment Programs
  • Low Credit Score Programs
  • Customized Marketing Support
  • Strong Core Values
  • 95 Net Promoter Score
  • Consistently Close Clear & On-Time
  • Firm Established in 1998
  • Direct Lender
  • Cutting-Edge Technology
  • Consumer Connect Digital App
  • Wide & Diverse Product Mix
  • Heroes First Program

What our Happy Clients Have To Say
About Working With The Bill Mervin Team

newtown pa mortgage

Excellent Team, Excellent Service!

Bill and his team were fantastic to work with! Our family had been dreaming of purchasing a bigger home and we wanted to make sure that we went into the process with much care and diligence. Bill and his team answered all of our questions and concerns, and we especially appreciated how quick they were to respond and move to action. I would definitely recommend this team to anyone who is looking to purchase a home!

  • World-Class, White Glove Service
  • Chief Experience Officer (cXo)
  • Holistic Advisory Approach
  • 73-Step “Perfect Loan Process”
  • Detailed Milestone Updates for All Parties
  • Financial Market Technology & Rate Analysis
  • In-house Underwriting & Processing
  • Apex Approved Pre-Approval Process
  • Milestone Gifting Programs
  • Highly Personalized Marketing
  • Segmented, Specialized Team Roles
  • Speed, Accuracy & Results

Our team has created Mervin Missions to allow our staff to volunteer and support local charities in the community. Our Team has been fortunate to be involved with charity events since in 2013!

HOME BUYERS GUIDEBOOK

We don’t need an email address. We want a more educated buying experience for our clients.

Areas Served

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