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Phil Apodaca

Phil Apodaca

Branch Manager
Branch 231

Our Loan Programs

EC has a number of alternative lending program options offered:


About Phil Apodaca

Phil Apodaca is the Branch Manager of the Upland Branch of Excelerate Capital. With more than 20 years of experience, Phil is THE authority on mortgage lending. He sees things that other industry professionals may overlook, allowing him to help thousands of homeowners purchase and refinance homes.

Phil is passionate about finding creative financing solutions for his clients, no matter how complex. He utilizes his unparalleled insight of the mortgage industry, and experience to help educate his clients in the home-buying process and find them the best home loan program that suits all of their needs.

By staying up-to-date on the latest complexities of mortgage lending, technology and cutting edge marketing techniques for real estate, Phil has become a vital resource for homeowners and realtors alike.

About Excelerate Capital

Since 2014, Excelerate Capital has helped borrowers solve life decisions involving home mortgages both big and small. We take pride in our clients looking tous for practical solutions for their unique life situations. Excelerate Capital looks beyond credit scores and broadens our search to include context and adaptability.

VA Home Loans

Veteran Family

The VA helps Service members, Veterans, and eligible surviving spouses become homeowners. VA Home Loans are available with Excelerate Capital. VA guarantees a portion of the loan, enabling us to provide you with more favorable terms and requires zero down payment.

Small Business Owners

Small Business Owners

We offer Non-QM mortgage products made for small business owners. We can qualify you for a home loan with very competitive rates using your small business’ income and bank statements to help you get into your new home! Contact me today for more information.

Fixed Rate Mortgages

Fixed Rate Mortgages

We offer conventional fixed rate mortgage options that can be used for your primary home, 2nd home or investment property. One of the most common types of mortgages is a 30-Year fixed mortgage where the interest rate remains the same over the 30-Year life span of the loan.

FHA Loans

FHA Loans: Young couples' first home purchase

If you don’t have an established credit history or limited funds for a down payment, you may qualify for a government-backed FHA loan that has flexible qualification guidelines, low closing and low down payments.

For more information

Please fill out the form below to get more information on qualifying for a mortgage with Excelerate Capital.










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