Apex Advisors Inc.At Apex Advisors, we understand that financial hardships can be overwhelming, but you don’t have to face them alone. Our team is dedicated to helping individuals and families navigate complex financial situations with confidence and clarity. Whether you're dealing with overwhelming debt, struggling with mortgage payments, or facing foreclosure, we are here to provide expert guidance and customized solutions tailored to your unique needs. With years of experience in the industry, we specialize in loan restructuring, foreclosure mitigation, cash-for-keys programs, short sales, special forbearances, and more. We work closely with banks, lenders, and mortgage companies to secure the best possible outcomes for our clients. Our goal is to alleviate stress, provide practical financial strategies, and help you regain stability. At Apex Advisors, we believe in compassionate, professional service. Every case is thoroughly analyzed to ensure you’re aware of all available options, empowering you to make informed decisions about your financial future. We take pride in being a trusted advocate for our clients, helping them protect what matters most—their home and peace of mind. If you’re looking for expert assistance with financial hardship solutions, Apex Advisors is here to help. Let’s work together to find the right path forward.
Apex Advisors Inc. (apexadvisorsinc.org) has 15 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
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Investments & Wealth · Seal Beach, California
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Investments & Wealth · Orange, California
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Showing 3 reviews with 1 star · Clear filters
Boiseskiergirl
Absolutely DO NOT due business with this company. They continued to take my money, advised me not to make mortgage payments, and did nothing except make false promises. Now my home is in forclosure and scheduled for auction on 10/29. Do not fall for this scam!! Carolyn Morrissey Star, Idaho
Philip E.
False promises, requested post dated checks, did not do anything I could not have done my self. My monthly payment and interest rate increased drastically and their suggestion was to work with a third-party affiliate for $750 a month to only prepare legal documents to sue my lende. I went from 3 months behind to 11 months behind and paid $4000 for nothing. I reached to my lender my self and got a better offer with less hassle in 2 weeks rather than the 8 month pointless, expensive process Apex put me through, and it was free. Don't give them your money or waste your time. Contact your lender or if you need guidance contact a HUD advisor, they are free. HUD also lists what to look for with scamers on their website and Apex fits it to a T.
Mike G.
Update due to the sheer volume of lies and attempted silencing of a truthfully deceived consumer. Firstly. Thank you for formally acknowledging me as a client as you previously flagged my truthful review a totla of 3 different ways to prevent my information becoming viewable to the public. The first one was a complete denial of me being under contract with them. The 2nd was it contained personal information. And the 3rd was simply because I was oversharing. Also thank you for blaming every thing on me once again. My loss mitigation packet was not complete. And when your company took over you assumed that responsibility for the detrimental loan offer you awarded me. So lets give credit where credit is due. And lastly I certainly appreciate your colorful descriptions of our interactions. Whats truly hilarious is that Oregon is a single party consent state. Meaning only one person on phone. Calls needs to give consent. And I have my own consent t and recorded all of our phone calls to ensure quality and for documentation purposes. You have now slandered me on 2 different sites with baseless and false allegations that I alone hold the recordings of. I was never belligerent especially to your female staff. I was rarely able to speak to any of you as you couldn't not even keep a phone appt. What I will admit is that beingnunder contract with you was probably the most confusing and misleading experience of my life and your continued efforts to discredit a 100% disabled veteran with Autism are getting quite old. You even copied and pasted your responses from the Oregon Dept. Of Justice Complaint. I would expect nothing more than continued slander from a dishonest false company who is currently working in thw mortgage field without valid credentials. Your cookie cutter approach is doing nothing but making you appear like a bully. So now I have 2 accounts of your slander and I will be filing a report listing it with ADA. Maybe look up title 2 and title 3. I offered to peacefully resolve this without going public with the actual truth. I have shared my phone recordings with the Department of Justice, the bbb, and the ftc to provide clarity to your baseless accusations. This is how your treat your clients. You discredit them for speaking the truth, force them under duress to accept your one sided resolution and then slander them on every public outlet they go to in order to have their voice heard. Real Class Apex Advisors. If how you treated me was in good faith then why silence me? The truth shall set you free and onward to the next publicly available complaint...the cfpb and ADA. I will not stop warning others of how I was treated. However I would be willing to remove all 100% factual complaints upon acceptance of a mutually beneficial settlement offer. As I stated the first time I reached out to say there was a problem with how you treated me. Looking forward to more jousting in this one sided battle for truth and justice. Also please turnover all the belligerent phone call with your next rebuttal as they will tell who was acting in bad faith. Thank you for once again going above and beyond to convince people you do something when you just do the same things that any other consumer can accomplish themselves with costing 3600...plus the home itself. Title: Paid $3,600 — services incomplete, records missing, loan terms worsened In April 2025, I signed a contract with Apex Advisors for mortgage negotiation services. The agreement required $1,200 per month for three months ($3,600 total). What happened: Apex Advisors stated they would negotiate improved loan terms with my mortgage servicer. Communications were inconsistent, with multiple missed appointments and use of different phone numbers. No NMLS number was ever provided. I requested records of Apex’s contacts with my servicer, but none were provided. My servicer later confirmed Apex submitted one loss mitigation packet (already submitted by me) and made ten follow-up calls. The modification terms offered worsened my loan: about $12,000 added to principal, interest rate raised by 2.5%, and the term extended by 10 years. Apex later offered a $3,600 refund, but only on condition that I accept it as final resolution. I declined because no agreement was reached and no records were produced. Per federal law (SAFE Act), mortgage negotiation companies must be licensed and listed in the NMLS Consumer Access database. I found no record of Apex Advisors there. I have filed complaints with federal and state regulators, including CFPB, FTC, VA, Oregon DOJ, and BBB. This review is to document my direct experience so that other consumers can make informed decisions.
Response from Apex Advisors Inc.Oct 28, 2025
We are writing in response to the review submitted by Mr. Michael A. Garcia regarding his experience with Apex Advisors, Inc. After a full internal review, we would like to provide the following factual summary: 1. Mr. Garcia enrolled with Apex Advisors in April 2025 and paid a total of $3,600 for our loss mitigation support services. 2. Our team assisted Mr. Garcia by preparing, submitting, and following up on his loss mitigation application with his mortgage lender multiple times on his behalf. 3. During the course of his file, our staff informed Mr. Garcia on multiple occasions that he had already submitted a loss mitigation application to his lender prior to hiring Apex Advisors. We explained repeatedly that our team could not submit a new application or negotiate new terms until his previous submission “fell off” the lender’s system. This waiting period was necessary to ensure that the lender would not use the terms or outcome of his previous, self-submitted application against him when reviewing the new package prepared by our office. To prevent further delays in getting him the help he needed, we still took him on as a client despite the existing submission so that we could begin preparing all financial documents and supporting materials in advance. That way, as soon as his prior application fell off, our office would be ready to submit a complete and updated package immediately. The modification terms referenced by Mr. Garcia were the result of his own self-submitted application, which was filed prior to his engagement with Apex Advisors. 4. As the case progressed, Mr. Garcia began exhibiting increasingly hostile and inappropriate behavior toward our staff. He frequently contacted employees using aggressive and vulgar language and, in several instances, appeared to be intoxicated during calls, slurring his words and making harassing remarks, particularly toward female employees. Out of concern for our staff’s well-being and to de-escalate the situation, Apex Advisors made the decision to issue a full refund of $3,600 on 9/15/25. The refund was processed and mailed via FedEx, and Mr. Garcia acknowledged receiving it. The refund was issued in good faith as a full and final resolution, even though a portion of the contracted work had already been completed. Once the refund was issued, all work on Mr. Garcia’s file was stopped and his case was formally closed. Since that time, Mr. Garcia has continued to contact multiple employees through calls, texts, and emails, often using inappropriate, threatening, or harassing language. Despite this, our company has remained professional, cooperative, and respectful in all communications. At this point, Apex Advisors has: Refunded Mr. Garcia the entire amount paid, Fulfilled all contractual and financial obligations, and Acted responsibly to protect its employees while attempting to resolve the matter respectfully. Thank you Apex Support Team