BJ Reeves-Kempf Business Page Axia home loans

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!

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!

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.

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!

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/

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.

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!

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!

Spring is traditionally the kickoff to homebuying season and despite existing inventory being up 10% year over year, it still may not be enough to meet demand - especially if rates dip. If you're in the market for a new home this year, get ahead of your competition by getting a mortgage pre-approval.

Contact me today to get started and ask me about our $10K Guarantee!

Your tax refund could get you one step closer to achieving your homeownership goals! Axia offers low and zero down payment options, which means that refund could cover much - or all - of your down payment or closing costs!

Contact me today to get prequalified!

Calling all real estate agents!

When you partner with an Axia Loan Originator, you and your clients benefit from the convenience of the Axia Mobile App!

Our app is co-branded and has the ability to feature links to your website and listings page. It's easy to share with your clients, giving them the ability to search for homes, calculate potential mortgage payments, and apply and track their loan progress all in once place!

Contact your Axia Loan Originator today for more information and to receive an invite link!

The Axia App: Mobile Homebuying Designed for Real Estate Professionals The Axia Mobile App allows Realtors and mortgage professionals to meet their clients' needs on the go, all in one place. Co-branding is fast and easy, and th...

Did you know that monetary gifts may be used toward a down payment on a home?

There are a few things to be aware of if you're hoping to receive (or planning to give!) a financial gift for a home purchase.

Check out our helpful blog post to learn more!

Using Monetary Gifts Toward Your Home Purchase - Axia Home Loans If a family member or friend is offering to give you money to put towards the purchase of a new home, then you certainly will have an advantage in today’s market. If you use that money as part of your down payment . . .

Considering a new build this year?

Avoid the extra costs that come with re-qualifying, additional appraisals, and more! With Axia Home Loans, you can purchase your lot, finance construction, and close on your permanent mortgage in a single transaction.

Contact an Axia Loan Originator today for more info about our One Time Close Construction Loans!

Ready to fall in love with a home, but not in love with today's rates?

With Axia's Market Advantage program, you can buy now and refinance within 36 months with no lender fees*!

Contact an Axia Loan Originator today and get one step closer to finding your perfect match!

You may know there are a number of missteps homebuyers can make that can derail their loan application and even their ability to get a mortgage. But did you know that a lot of these also apply when refinancing?

Keep these dos and don'ts in mind to increase your chances of a smooth, painless refinance transaction!

Ready to refi? Contact an Axia Loan Originator today!

Getting ready to refi? Make sure you have your ducks in a row for a smoother, faster transaction! Among the documents and information you may need to provide are paystubs, W-2s, and bank statements.

Ready to begin? Contact an Axia Loan Originator today!

Many homeowners who took on a new mortgage in late 2022 or 2023 are anxiously waiting for rates to come down so they can refinance. But how far do they need to drop for it to make sense to refinance? The answer is different for everyone. But a Loan Originator can help you identify your threshold, watch the market for you, and notify you as soon as rates reach that mark.

Contact an Axia Loan Originator today for a free loan review to determine your "magic number!"

Do you think lowering your interest rate is the only reason to consider refinancing? While it’s certainly a very common one, there are other reasons people refinance that can have a positive long-term impact - even without a drastic rate improvement. Read more in our latest blog post.

https://brnw.ch/21wGcBA

Will you or a loved one be paying for higher education expenses this year? According to U.S. News & World Report, the average cost for tuition and fees at an in-state, ranked public college for the 2023-2024 school year is $10,662. This average more than doubles for out-of-state public colleges, and nearly quadruples for private colleges.

You may be able to use the equity in your home to cover education costs! While mortgage rates have increased quite a bit from their lowest point, they still may be more favorable than the interest rates available for some student loans.

Contact an Axia Loan Originator today to see if you can access your equity!

Will 2024 be the year you finally get around to making those home repairs or starting that renovation project you've been putting off?

You may be able to access the equity in your home to help you achieve that goal! And what's more, you may be able to do it without losing the low rate on your mortgage. Contact an Axia Loan Originator today to learn more!

Did you get a little carried away with your holiday spending? Forbes reports that the average credit card APR exceeds 20%! Don't get stuck in a vicious cycle of compounding high interest!

If you have equity in your home, you may be able to access it to pay off credit cards and other high interest debt. Contact an Axia Loan Originator today to see what options are available to you!

Are you making your New Year's Resolutions? Many people are cautiously optimistic that mortgage rates will start to come down in 2024. Even if rates don't drop significantly lower than your current mortgage rate, refinancing could still help you achieve some of your financial goals, like:

-Consolidating higher interest debts, like credit cards
-Investing in home repairs or renovations
-Covering tuition costs or other education expenses
-Reducing your term to pay off your mortgage faster
-And more!

Contact an Axia Loan Originator to find out what you can do today to make sure you're ready if rates drop!

When you refinance, you are essentially replacing an existing loan with another loan under a different term and interest rate. People will often refinance to receive a lower interest rate or to reduce their monthly payments.

Axia does offer refinancing options to homeowners, including cash-out refinancing. If you want to learn more, just give us a call!

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.

Local mortgage lenders are the EXPERTS of the housing market in your area. They can provide valuable insights into the best neighborhoods, schools, and amenities. Plus, they can help you navigate any unique challenges that may arise during the homebuying process. Learn more by calling an Axia Mortgage Specialist in your community to get the local lender advantage!