Axia Home Loans

When you apply for a home loan, you will be asked to list your current liabilities. Liabilities for a loan means money or debt that you owe that may be short-term or long-term including credit card balances, car loans, student loans, etc.

If you aren’t sure what type of liabilities to include on your mortgage application, be sure to work with your Axia Loan Originator.

Lender Lingo - Liabilities with Axia Home Loans Liabilities - Money or debt you owe that may be short-term or long-term including credit card balances, car loans, student loans, etc.

Escrow accounts are designed to make life easier for homebuyers. The accounts are often managed by a neutral party and can help you manage the costs associated with homeownership such as property taxes and insurance.

If you have questions on escrow accounts or any common mortgage terms, please don’t hesitate to reach out.

Escrow - Lender Lingo with Axia Home Loans Escrow accounts are designed to make like easier for homebuyers. The accounts are often managed by a neutral party and can help you manage the costs associat...

There are a lot of fun things to celebrate on June 27th, but the one we're most excited about? OUR 17th BIRTHDAY!

Cheers to 6,209 days of making homebuyers' dreams come true. Here's to many, many more!

Hitting the beach this summer? With the Axia mobile app, you can enjoy the sun on your face, the sand between your toes, and stay up to date with your home loan application at the same time!

With the ability to submit information and sign documents on the go, you can rest easy knowing that even though you might be taking time to slow down, your loan process won't!

Download the app or reach out to me today and I'll send you an invitation!

Our offices will be closed tomorrow, June 19th, in observance of the Juneteenth holiday. We will be back to serve you on Thursday.

It's a great day to celebrate another new employee-owner joining Axia!
Welcome home, Fernando Urbina!

No need for special exceptions or higher rates and fees! Qualified homebuyers with a valid individual taxpayer identification number (ITIN) are eligible for Conventional financing with Axia Home Loans!

Restrictions apply. Contact me to learn more and to get prequalified today!

June is National Homeownership Month!

At Axia, we are so grateful for all of our clients and partners who have placed their trust in us, enabling us to pursue our mission to create sustainable homeownership through responsible lending.

We know the past couple years have been tough and some may feel like homeownership is out of reach. But don't lose hope! You may be closer to achieving your homeownership goals than you think. Reach out to an Axia Loan Originator today and let them put their expertise to work for you!

Let's get you home.

June is National Homeownership Month!

I am so grateful for all of the clients and partners who have placed their trust in me, enabling me to pursue my shared mission with Axia Home Loans: to create sustainable homeownership through responsible lending.

I know the past couple years have been tough and some may feel like homeownership is out of reach. But don't lose hope! You may be closer to achieving your homeownership goals than you think. Reach out to me today and let me put my expertise to work for you!

Let's get you home.

Say hello to Yuliya Sagan! She is the newest employee-owner to join the dynamic My Neighborhood Mortgage team in Nampa, Idaho.

Welcome home, Yuliya!

Empty nest?
If you've been waiting to downsize, now could be a great time. While the market is slowly picking up, inventory is still limited, meaning demand for your home could be high! Our Loan Originators have great connections with real estate agents and would be happy to make a referral.

Or, if you're not quite ready to leave your nest yourself, we'd be happy to discuss ways you can make your equity work for you. Contact an Axia LO today!

Empty nest?

If you've been waiting to downsize, now could be a great time. While the market is slowly picking up, inventory is still limited, meaning demand for your home could be high! I have great connections with local real estate agents and would be happy to make a referral.Or, if you're not quite ready to leave your nest yourself, I'd be happy to discuss ways you can make your equity work for you. Contact me today!

Our offices will be closed on Monday, May 27th in observance of Memorial Day. We wish everyone a wonderful weekend!

Please give a warm welcome to our newest employee-owner, Teague Hosty.

We're so glad you've joined us, Teague!

As the inventory of existing homes remains tight, many homebuyers are pursuing new builds and we're here to help! We have experience working with builders and we offer a variety of financing solutions, including one-time-close products, to help make your homeownership dreams come true!

Contact me today to learn more!

As the inventory of existing homes for sale remains tight, many homebuyers are pursuing new builds and we're here to help! We have experience working with builders and we offer a variety of financing solutions, including one-time-close products, to help make your homeownership dreams come true!

Contact an Axia Loan Originator today to learn more!

If you're a homeowner, there's a good chance you've built some equity. According to data from CoreLogic, the average borrower had $298,000 in equity at the end of 2023 - $24,000 of that gained in 2023 alone.

You may be able to access your equity without losing the lower interest rate on your first mortgage with a HELOAN or a HELOC. Check out our blog post to learn more about these options, and contact an Axia Loan Originator to find out which solution is best for you!

What is the Difference Between a HELOC and a HELOAN? - Axia Home Loans Read time: 3 minutes - With the increase in home values across the country over the past couple years, you may have heard more buzz lately about “HELOCs” and “HELOANs.” They’re hot topics right now. . .

If you're a homeowner, there's a good chance you've built some equity. According to data from CoreLogic, the average borrower had $298,000 in equity at the end of 2023 - $24,000 of that gained in 2023 alone.

You may be able to access your equity without losing the lower interest rate on your first mortgage with a HELOAN or a HELOC. Check out our blog post to learn more about these options, and contact an Axia Loan Originator to find out which solution is best for you!

https://axiahomeloans.com/2023/12/05/what-is-the-difference-between-a-heloc-and-a-heloan/

“Moving over to Axia, I’ve been able to help so many more people. And close so many more loans. I love Axia and I love the people.” - Blanca Guerrero, Branch Manager

Congratulations on your promotion, Blanca!

In an industry where it's common for Loan Originators to switch companies every 1-2 years, we're proud of the fact that more than 1/3 of our team of licensed producers has been with us for more than 5 years - and 10% have been with us for more than 10 years! They have persevered with us through some of the most volatile conditions many of us have experienced, even as some 100,000 originators have left the industry entirely.

This longevity is not only a testament to the adaptability and loyalty of our employee-owners, but to the sense of purpose and possibility fostered by our culture and business model.

Hold your company to a higher standard than the bottom line. Email [email protected] to connect with an Axian to learn more.

When you refinance, you are essentially replacing an existing loan with new loan under a new term and interest rate.

While people often opt to refinance to secure a lower interest rate or reduce their monthly payments, there other reasons, too! For instance a homeowner may want to switch from a 30-year to a 15-year loan, eliminate mortgage insurance, or convert an ARM to a fixed-rate loan. Or they might choose a cash-out refinance to access the equity they've built.

Want to learn more? Reach out to me today!

Lender Lingo - Refinance with Axia Home Loans Replacement of an existing debt obligation (such as a home loan) with another debt obligation under a different term and interest rate.

When you refinance, you are essentially replacing an existing loan with new loan under a new term and interest rate.

While people often opt to refinance to secure a lower interest rate or reduce their monthly payments, there other reasons, too! For instance a homeowner may want to switch from a 30-year to a 15-year loan, eliminate mortgage insurance, or convert an ARM to a fixed-rate loan. Or they might choose a cash-out refinance to access the equity they've built.

Want to learn more? Contact an Axia Loan Originator today!

Lender Lingo - Refinance with Axia Home Loans Replacement of an existing debt obligation (such as a home loan) with another debt obligation under a different term and interest rate.

There's still time to make the most of Axia's Market Advantage Program!
Buy now and refinance later with no lender (Underwriting & Processing) fees*!

This offer won't last forever, so contact an Axia Loan Originator today!

There's still time to make the most of Axia's Market Advantage Program!
Buy now and refinance later with no lender (Underwriting & Processing) fees*!

This offer won't last forever, so contact me today!

We're excited to welcome Oz Lending to Axia! We look forward to helping our newest team of employee-owners serve even more homebuyers.

Welcome home!

At Axia, we continually strive to find new opportunities for our Loan Originators to reach more prospective homebuyers and provide the solutions their clients need to reach their homeownership goals. Whether it's through our ever-expanding suite of loan products, or our proprietary approval guarantee, fee waiver, and lender credit programs, we have the tools to enable our LOs to say YES to more homebuyers.

Interested in learning more about the benefits of becoming an employee-owner at Axia? Email [email protected] to connect with us today!

Closing is exciting for any homebuyer. It is the last step when purchasing a home. During closing, ownership of the home is officially transferred from the seller to the buyer. The buyer will sign any remaining documents and will pay closing costs and any fees.

Have questions about the closing process? Give us a call.

Lender Lingo - Closing with Axia Home Loans Closing is exciting for any homebuyer. It is the last step when purchasing a home. During closing, ownership of the home is officially transferred from the s...

Please join us in welcoming Cory Frommer to the Pinto Collective team in Utah.
We're so glad you're here, Cory!

We are pleased to announce that Rene Rollings has joined Axia as one of our newest employee-owners.

Welcome home, Rene!

Are you afraid to buy a home now, only to have rates drop in the next year? While it feels like we might be in the "new normal" as far as rates are concerned, the Axia Market Advantage program may be the assurance you need to get off the fence!

Finance a new home purchase with Axia now and if rates drop after 7 months of on-time mortgage payments, you can refinance with no lender fees* for up to 36 months!

Contact an Axia Loan Originator today to learn more!

Are you afraid to buy a home now, only to have rates drop in the next year? While it feels like we might be in the "new normal" as far as rates are concerned, the Axia Market Advantage program may be the assurance you need to get off the fence!

Finance a new home purchase with Axia now and if rates drop after 7 months of on-time mortgage payments, you can refinance with no lender fees* for up to 36 months!

Contact me today to learn more!

Rising prices for fuel and food - and just about everything else we buy - have many consumers looking for ways to cut costs. Fortunately, there may be a few money-saving opportunities right in your own home!

In honor of Earth Day, we're sharing our blog post with 5 easy and cost-effective ways to cut down on your monthly energy bills. There's a link at the end of the article to even more tips to help you save some cash while helping our planet.

5 Simple Ways to Save on Energy Costs - Axia Home Loans With the rising prices of groceries and gasoline, you may be looking for ways to save some money. A good place to start is inside your home. According to the Bureau of Labor Statistics (BLS) data, the average American household spent more than $4,500 on utilities (i.e., electricity, gas, water) in 2...