Good Morning!!! Is Apex the company that holds your mortgage?? You should not have to pay any up front fees for a loan modification. You should be dealing directly with your lender. There are new laws being passed to stop companies from charging up front fees for modifications and then not doing them.
My advice would be to contact your lender to discuss a possible HAMP loan modification or contact an attorney who specializes in loan modification.
Karen Paytas, GRI, CMS
Real Living Kee Realty