Residential Lending


 Whether you need to refinance an existing investment property or you need acquisition financing – we can help you structure the loan that meets your needs.  

Apartment Building


  Commercial loans for apartment buildings are available for both stated income and full documentation loans. Small loan amounts are available for the stated income loans – up to $2,000,000 in some cases.  



  Our commercial loan programs feature fast approvals, competitive rates and fees and quality service. These programs are perfect for both investment and owner-user commercial property types  



 The financing market for hotels becomes unconstrained as the industry fundamentals continue to improve. Lenders still favor and elect experienced, knowledgeable owners and operators.  



  There are several business financing situations in which commercial borrowers will frequently find that non-traditional commercial lenders are better positioned to provide terms that are more advantageous to the commercial borrower: 




We have 100's of private lenders nationwide and we can find you the best price and terms based on your project. From a single home to a custom spec. 


Loan Disputes


 If a lender unilaterally changes the term of your loan or claims you are responsible for a debt in error, APS will challenge the lender by requesting a Validation of Debt. Many times these disputes can be resolved without resorting to litigation.

Loan modification


  If you have been refused a loan modification, we will assist you by filing a Consumer Financial Protection Bureau complaint, thereby allowing you to resubmit your application. 

APS will review for underwriting errors, in many cases, APS may be able to obtain a loan modification with a lender, using this process that provides leverage for the borrower.

Credit disputes and repair


No one should have to face foreclosure or other adverse circumstances because of inaccurate reporting to the three credit bureaus. 

At APS we fight credit errors to enable higher scores and We also provide bankruptcy counseling to help debtors overcome debt problems, avoid foreclosure and begin to repair their credit over time.

Real property financing


   Real property financing ranges from homeowners obtaining mortgage loans to lenders selling the loans as securities to real estate investment trusts.

REAL ESTATE INVESTMENT is never a bad idea. It offers potential investors a slew of financial and personal benefits such as increased cash flow, home appreciation and tax benefits. In fact, real estate investment continues to be one of the most popular vehicles in producing financing wealth. According to the IRS, approximately 71 percent of Americans that declared more than a million dollars on their income tax returns in the last 50 years were in real estate. 

Lien release


 APS can secure a lien release for your loan, which we record with the county recorder, thereby protecting you from all further creditor harassment. 

This is an important service since lenders often hold onto these debts, especially second liens and home equity lines of credit, lying in wait until property values recover so that they can accelerate the debt and force you to pay it.

Bloomberg Securitization Audit and Mortgage Securitization Audit.


APS expert service includes:

  1. The identification of the Trust  claiming ownership of your mortgage through the Securities & Exchange Commission (S.E.C.)
  2. Full Screenshots of the Identified Trust that depicts active trading data and loan modification data. 
  3. A Full Chain of Title Analysis C.O.T.A.
  4. Full Robo-signer Analysis.
  5. Fraud Analysis.
  6. Analysis of the Assignments and Transfer.
  7. All publicly Recorded Documents.
  8. A copy of the Pooling & Servicing Agreement (PSA) and/or Prospectus Supplement.
  9. Report on Residential Mortgages in existence.  


What is MERS?


MERS is part of a foreclosure scheme by bankers.

MERS has destabilized our existing land title system.

MERS creates “clouded title” and puts property ownership at issue.

What does MERS do?


The MERS scheme includes a MERS mortgage or deed of trust that names MERS as a beneficiary even though they have no beneficial interest.  Based on this fictional naming of MERS as beneficiary, the actual beneficiaries will then sell your loan multiple times without recording the sales as ASSIGNMENTS with the local county recorder as required by statute.  

Who owns MERS?


The owners of MERS are the traditional lenders in mortgage banking, namely CitiMortgage, Wells Fargo, Bank of America, and Chase.  We continue to (mistakenly) call these bankers “lenders” even though they long ago switched their business model from lending to become originators acting more like brokers that flip borrowers’ loans into securitized trusts for a fee.  MERS was created in 1995 just as these “lenders” were becoming servicers with the right to foreclose.

The MERS Scheme


The MERS scheme also includes the MERS computer which MERS’ public relations describe as “a database designed to track the ownership of mortgages” although that is not what the MERS computer actually does. 

The MERS computer tracks servicing rights for the benefit of the servicers that own MERS, the most important of these rights being the right to FORECLOSE.  The bankers that own MERS use this intentionally deceptive language to disguise the fact that they are servicers, not beneficiaries, and the only rights they are tracking are their own rights of foreclosure.



The bankers that own MERS have intentionally profited from the foreclosure crisis and predatory subprime loans which were designed to fail.  

These bankers talked borrowers into accepting risky terms and borrowing more than they could reasonably pay back while they kept the true facts of these subprime loans hidden from borrowers and investors.  Sub-prime loans are loans designed to fail, but failure was exactly what the “pretender-lender” wanted. This conflict of interest remains hidden from most borrowers until they miss a payment and wonder why their “lender” is trying so hard to foreclose.

MERS Clouds Title


A QUIET TITLE is an action to establish title against any “adverse claims” or financial interest in a borrower’s property.  A Quiet Title has been traditionally used to remove outdated claims from the county records, or to settle claims between family members so that owners can have clear title enabling them to sell or re-finance.  

A borrower seeking to quiet title must name the original lender and any later beneficiaries or purchasers of the debt on their property as defendants.  If MERS is not named in a Quiet Title action, and provided NOTICE of that action, MERS may use the fact that they are erroneously named as “beneficiary” on a borrower’s mortgage or Deed of Trust to claim the rights of a beneficiary to sue borrowers in federal court.  




  For over 19 years and I’ve been a licensed real estate broker. In that time I’ve dealt with quite a few foreclosures. Until I met APS I thought that when a bank commences foreclosure, it gets its way. In times past, this may have been true, but not now.



APS thanks for all of your help. You accepted our file after several other so-called experts had given us bad advice . Your knowledge, experience and confidence gave us tremendous peace of mind through a very difficult and sometimes, as you well know, very stressful time. There are a lot of people out there touting how great they are, but  the pros at APS walk the walk .



 APS has turned the table on lenders, and appropriately so. They are so knowledgeable and innovative in their approach that they have the attention of two of my long-time attorney friends, who are fascinated by their expertise and effectiveness.