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Home Mortgages


BUY OR REFINANCE – WITHOUT THE LENDER FEE1

Featuring a streamlined loan process and low rates. Dream big with your home
purchase or mortgage refinance!

Apply in 10 minutes Call 888-546-2634


CHECK TODAY’S RATES

Select Purchase or Refinance to get started.

Purchase Rates Refinance Rates
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HOME FOR THE HOLIDAYS + $500 OFF CLOSING COSTS.

Cash in with $500 off closing costs when you refinance or apply for a new
mortgage by Dec. 31.5

Start Saving
Mortgage Options
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ENJOY A MORTGAGE WITH REWARDS

Ready to act? Axos Bank offers home savings you can get excited about.

 * $0 lender fee1
 * Up to 3% annualized cash back2
 * Fast loan closing with Close-of-Escrow Guarantee3
 * Low mortgage interest rates
 * Low down payment option!

Plus: Earn 20% of your agent's commission with our HomeAdvantage Cash Rewards
Program!4

Earn Cash Rewards
 


PURCHASE YOUR HOME

When your dream home is within reach, you can be confident with the support of a
dedicated team, advanced real estate and technology tools, and our
Close-of-Escrow Guarantee.3

Apply Now Learn More


REFINANCE YOUR HOME

Imagine what you could do with a lower interest rate, reduced monthly payment,
or cash for debt consolidation, home improvements, or something else.

Apply Now Learn More


MEET OUR MOST POPULAR MORTGAGE PROGRAMS

You have options. Purchase or refinance. Lower your payment. Get cash out.
Consolidate debt. Axos Bank lets you customize your mortgage to your goals.

Questions? Call 888-546-2634.

 * Conforming Loans
   
   Features some of the lowest rates in the market and flexible options tailored
   to your needs.
   
   Learn More
   
 * Non-Conforming Loans
   
   Gain the flexibility of larger loan amounts, non-owner-occupied status, and
   lower down payments.
   
   Learn More
   
 * FHA Loans
   
   Provides low down payment options, low closing costs, and flexible credit
   qualifications.
   
   Learn More
   
 * Portfolio Loans
   
   Designed for complex finances, high loan amounts, unique properties, and
   foreign national borrowers.
   
   Learn More
   
 * VA Loans
   
   Give your borrowers flexible payment options so they can put their money to
   work.
   
   Learn More
   
 * Jumbo & Super Jumbo Loans
   
   Access a property’s equity prior to its sale so your clients can secure their
   dream homes.
   
   Learn More
   
 * DSCR Loan Program
   
   Fast-track your investment property loan by qualifying with the property’s
   expected net rents.
   
   Learn More
   
 * Interest-Only Mortgages
   
   Benefit from flexibility and lower monthly payments during the early years of
   your mortgage.
   
   Learn More
   
 * Home Equity Lines of Credit
   
   Access the equity in your home through a revolving credit line to cover large
   expenses or pay off debt.
   
   Learn More
   
 * Our Process
   
   Easy access to everything you need — apply for a mortgage online or by phone,
   review your loan status, upload documents, or make a mortgage payment.
   
   Learn More


KNOW WHEN MORTGAGE RATES DROP

Trying to time your mortgage? Sign up for Rate Watch. Get email alerts when
rates drop. It’s quick, easy, and free.

Set Up Rate Watch


WE CAN HELP YOU REACH YOUR HOMEOWNERSHIP GOALS

 * * Loans designed for your unique needs
   
   * A streamlined home loan process
   
   * Smart technology and useful tools
 * 

 * * Real savings through lower rates and fees
   
   * Options customized for today’s homeowner
   
   * Superior service from mortgage experts


PLAN & LEARN

Free mortgage tools and articles to help you on your homeownership journey.


CALCULATOR

WHAT’S MY HOME WORTH?

We've partnered with HomeAdvantage offering a property valuation calculator to
get ready to sell or use home equity to finance your next project.

Learn More


CALCULATOR

RENT OR BUY?

Calculate how much you could potentially save by buying a home.

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FREQUENTLY ASKED QUESTIONS

 * What’s a mortgage? Is it the same thing as a home loan?
   
   Technically, a home loan is the money you borrow to purchase your home, while
   a mortgage is the legal agreement you make with the bank for the loan.
   However, the terms are used interchangeably at Axos Bank and by just about
   everyone inside and outside the lending industry.

   
 * How do I know which home loan is best for me?
   
   Reach out to our mortgage experts at 888-546-2634. They’re available to
   answer questions, assess your goals, and walk you through the options that
   make the most sense for your unique financial position. This is a free,
   no-obligation consultation.

   
 * What’s the best way to prepare for a mortgage?
   
   Congratulations on taking the leap into homeownership! Doing your research,
   preparing your finances, and gathering important documents will help you pave
   the way for a seamless loan experience. Get started while you search for the
   perfect location so you’re ready to act fast.
   
   
   Check out these articles for tips and details to help you prepare:
   
   
    * First Time Homebuyer's Steps to Success
    * First-Time Mortgage Refinance Guide
    * Have You Saved Enough To Buy a Home?

   
 * How can I find the best mortgage rate?
   
   Market conditions can change quickly, and so can mortgage rates. One of the
   best ways to secure the best rate is by subscribing to a mortgage rate alert
   service.
   
   
   Axos Bank offers a free Rate Watch service that allows you to customize
   alerts based on your target market rate, loan program, and email frequency.
   Get started with Rate Watch when you check today’s mortgage rates.

   
 * How can I track the value of my property?
   
   If you’re thinking about selling your home or would like to utilize home
   equity to cover a large expense, you can track your property’s estimated
   value with with our partner HomeAdvantage's property valuation calculator.


HERE'S WHAT OUR CLIENTS ARE SAYING


Axos Bank Customer Reviews

Everything went smoothly! It’s great to know the Bank had my back throughout the
homebuying process.

Diego | Virginia

I've closed two refinance mortgages with Axos. Schyler made the refinance and
cash-out process as stress free as possible.

Dennis | Massachusetts

Jacob did an excellent job. His helpfulness and positive approach enabled me to
make a well-informed decision in an efficient and timely manner.

Kevin | New York

 * 
 * 
 * 


ARTICLES & TOOLS

View All


NOT ALL PREAPPROVALS ARE EQUAL

Are you preapproved or pre-qualified for a mortgage? Look for these 5 signs.

READ MORE




FIRST-TIME MORTGAGE REFINANCE GUIDE

Worried that refinancing your home loan will be too much effort? This guide is
for you.

LEARN MORE




WANT TO BUY A RENTAL PROPERTY? SKIP 3 LOAN ROADBLOCKS

Purchasing rentals provides great income potential. But first you need to secure
financing.

READ MORE



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© 2024
Axos Financial, Inc., All Rights Reserved. © 2024 Axos Bank, All Rights
Reserved. © 2024 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. ©
2024 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts
through Axos Bank brands are FDIC insured through Axos Bank. All deposit
accounts of the same ownership and/or vesting held at Axos Bank are combined and
insured under the same FDIC Certificate 35546. All deposit accounts through Axos
Bank brands are not separately insured by the FDIC from other deposit accounts
held with the same ownership and/or vesting at Axos Bank. For more information
read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser
registered with the Securities and Exchange Commission (“SEC”). For information
about our advisory services, please view our Form CRS or our ADV Part 2A
Brochure, free of charge. Brokerage services and securities products are offered
by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR
FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our
Form CRS. All cash and securities held in Axos Invest client accounts are
protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more
information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not
deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC
or any governmental agency, and are subject to investment risk including
possible loss of the principal invested. Past performance of a security does not
guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated
companies.

Axos Bank NMLS# 524995

1 On new first-lien mortgages, Axos Bank will waive its full lender fee for loan
amounts of $250,000 and above or reduce its lender fee by $200 for loan amounts
of less than $250,000 if deposit account conditions stated below are met.
Applicant is responsible for all third-party fees and all prepaid items. To
qualify for the lender fee discount, the mortgage applicant or co-applicant must
currently own (as a primary or joint owner) or open a new Axos Bank, Axos Bank
for Nationwide, or UFB Direct personal deposit account during the mortgage
application process AND an available balance of at least $500 must be present in
the qualifying personal deposit account at the time the Initial Closing
Disclosure for the mortgage is issued. This offer may be modified or
discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator
for additional details.

2 Account holder(s) maintains an average daily balance equal to two times the
borrower’s monthly principal and interest payments of their eligible Axos Bank
consumer loan or combined minimum monthly principal and interest payments if
borrower has multiple eligible Axos Bank consumer loans. Eligible Axos Bank
consumer loans and Total Loan Rewards Checking account must be active as of the
first day of the evaluation month in order to be eligible for the cashback
credit for that period. 3% annualized cashback credit earned on mortgage and
auto loans (0.25% per month) is calculated using principal and interest payments
only (excludes any additional escrow amount included in the monthly payment) on
the last day of each month, and, if applicable, posted to the account within the
10 business days of the following month. 10% annualized cashback credit earned
on personal loans (0.83% per month) is calculated using principal and interest
payments only on the last day of each month, and, if applicable, posted to the
account within the 10 business days of the following month. Monthly cashback
credit is limited to $100. Axos Bank reserves the right to sell a loan at any
time without notice and may result in termination of any future cashback credit
based on that loan. Axos Bank may cancel the program or change the annualized
cashback rate and account requirements at the Bank’s discretion any time without
notice. Your total cashback value may be reported as miscellaneous income to the
IRS on a 1099-MISC form.

3 Certain restrictions and conditions apply. Please visit our Close of Escrow
Guarantee page for more information.

4 Cash Rewards are 20% of the agent’s commission. The example assumes a 2.5%
agent commission. HomeAdvantage Rewards are offered by Axos Bank with
HomeAdvantage Partners LLC (HomeAdvantage), a licensed real estate broker.
HomeAdvantage is not affiliated with Axos Bank and Axos Bank is not responsible
for the program provided by HomeAdvantage.

5 $500 promotional award may be applied only once per customer and may not be
combined with any other lending offer. Applicable to new Axos Bank customers
only. $500 is rendered as a point-of-sale discount that is applied to aggregate
and final lender fees; please note that award does not come in the form of a
direct bank payment to another account or financial service provider. Offer is
null and void if the loan application is declined. Does not apply to existing
applications already in process. You must submit your new mortgage application
no later than January 9, 2025 to be eligible to receive this promotional award.
Axos Bank reserves the right to conclude this promotion for any reason at any
time; no notification is required.




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