Login      
Localism: Local Real Estate Information and Agents



Find Location:  

Image of Jabin Apple
Name:Jabin Apple
Company:First Omni Mortgage Lending

Email:Send me an email
Website URL:http://www.jabinapple.com
ActiveRain Profile:http://activerain.com/jabinapple

Office Phone:(800) 627-1925 Ext.: 5546
Cell Phone:(812) 620-9546
Alt. Phone:(502) 638-5546
Fax Number:(502) 638-5646
Address:310 West Liberty Street Suite 100, Louisville, KY, 40202
Description:Manager and Mortgage Banker - First Omni Mortgage Lending. For a free, no-obligation, same day quote, please give me a call today: 800-627-1925 ext. 5546
 

About Us:

TMG Real Estate and Financial Services LLC d.b.a. First Omni Mortgage Lending ("First Omni") is a national mortgage lender based in Louisville, Kentucky.  The company commenced operations in October 2000 in Tulsa, Oklahoma.  Initially as a broker only, the company matched borrowers with national lenders.  In 2003, First Omni augmented its mortgage business capabilities with lending lines of credit to underwrite and package loans for sale.  First Omni is licensed to conduct business in 28 states, in addition to a license pending approval or in process in Nevada.

In 2001, First Omni expanded its physical presence with operations and its headquarters in Louisville, Kentucky.  Currently, First Omni has approximately 130 employees comprised of nearly 40 bankers and 30 support staff in Louisville and 50 bankers and 10 support staff in Tulsa. 

First Omni Mortgage Lending provides consumers nationwide with quality loan products customized to meet the ever-changing needs of today's borrower.  Our customers-first approach to lending, experienced personnel, and innovative technology provide a streamlined loan process from start to finish.  Through our established relationships and sound corporate strategy, we remain a committed industry leader providing unparalleled products, pricing, and service to communities across the country.

First Omni is a member in industry and business organizations including:

  • Better Business Bureau
  • National Association of Home Builders
  • Chambers of Commerce
  • Associations of Realtors
  • National Association of Mortgage Brokers

Areas of Expertise

Home Purchase

Purchasing a home is an exciting and important time in your life. But without the right resources, you can end up with a home loan that doesn't meet your needs.

I can find you a great loan rate and educate you on what you need to know about a home purchase loan. Use the Loan Tools on my company's site to find all the information you need to understand the loan process.  Browse through First Omni's articles, FAQs, calculators, and guides to get you up to speed on home loan information. If you're looking for a great interest rate from a lender who will work to meet your needs, give me a call today at 800/627-1925 x1923.

 

Home Refinance

First it's important to understand that some of the things you may have heard about home mortgage refinance are just myths. Two of the most common home mortgage refinance myths are the length of time you need to own your home and that you need to save at least one percent on your refinance mortgage rate in order to make your refinance mortgage loan worth it.

Many people believe they need to be in their home for at least twelve months before they can refinance. This is not always true. A home mortgage refinance done within twelve months of your home purchase will allow you to change your loan program and give you the opportunity for cash out if your require it. If you refinance your mortgage loan soon after purchasing your home you may also be able to eliminate your PMI (private mortgage insurance) requirement and you may be able to pay off a second mortgage.

Further when it comes to a home mortgage refinance, interest rate savings are not the only factor to consider. It is true that it's often in your best interest to refinance your mortgage rate only when you can save a minimum of one percent. Saving even more on a home mortgage refinance makes good financial sense. But that's not all you should consider.

For instance, if you have a second mortgage, are paying private mortgage insurance or are in need of cash, the refinance mortgage rate savings of one percent may not be the only determining factor as to whether a home mortgage refinance is currently in your best interest.

It's important to be knowledgeable of all the associated costs of a home mortgage refinance. You should know about any costs involved in getting out of your current mortgage before you sign up to refinance your mortgage loan. Such costs may include penalties for breaking you current loan (prepayment), origination fees, credit reports and legal fees.  For more information on these terms see our Loan Lingo section.

Our current licensing allows us to conduct business in the following states:

Alabama

Florida

Maryland

Oregon

Alaska

Georgia

Massachusetts

South Carolina

Arizona

Hawaii

Michigan

Tennessee

Arkansas

Illinois

Minnesota

Texas

California

Indiana

Missouri

Virginia

Connecticut

Kansas

North Carolina

Washington

Colorado

Kentucky

Oklahoma

Wisconsin

Customer Testimonials

Testimonials

Jabin, I wanted to thank you for all of your hard work while refinancing our houses over the past two months.  I really appreciate all that you have did to help us.  Thanks again!                                                                                                                                                                                                            -Susan Bramble, MD

I want to tell you that over the past two weeks Jabin has gone above and beyond providing me with excellent customer service while still giving me the best solution for my mortgage refinance.  He was patient and knowledgeable when I called with a question or concern, and he was always available to update me with the status of my application, whether through emails or phone calls.  I sincerely appreciate everything that Jabin has done for me and I will definitely recommend First Omni to any of my friends who are in the market for a mortgage loan.                                                                                                              -Andrew Clark, MA

I have nothing but great things to say about Jabin Apple.  He was courteous, prompt with responses to my inquiries, extremely competent, and absolutely went out of his way to move our transaction through closing.  Should the opportunity arise for me to be able to make a recommendation to a colleague, I will be more than happy to recommend Jabin Apple and First Omni.                                                                                                                                                      -Gerene Nelson, WI

Thank you so much for the great service First Omni provided on my reason mortgage. Your representative Jabin Apple was a true professional and took excellent care of us throughout the process. I will definitely recommend First Omni and, more specifically, Jabin Apple to any of my friends or family in need of a mortgage in the future.                                                                                                                                                                                                              -Blair Humphreys, MA

Articles by Jabin Apple

Localism Images...

ActiveRain corp. is not responsible for the accuracy of the sites content which is written by members of the ActiveRain Real Estate Network, and does not necessarily endorse the views of the Louisville, KY real estate agents, mortgage brokers and others listed here. All Cities in KY
Powered by the ActiveRain Real Estate Network
© 2007 ActiveRain Corp. All Rights Reserved