Insight
Does a Mortgage Refinance Make sense? Find out in 4 Steps.
Thinking about refinancing your home loan? Here’s an easy 4-step process to evaluate your potential savings.
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!
What are today’s mortgage rates?
Select Purchase or Refinance to get started.
4.6 Out of 5 Stars
Lending Tree
4.5 Out of 5 Stars
Zillow
Best Mortgage Lender 2023
The Ascent, A Motley Fool Service
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
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
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.
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.
Non-Conforming Loans
Gain the flexibility of larger loan amounts, non-owner-occupied status, and lower down payments.
FHA Loans
Provides low down payment options, low closing costs, and flexible credit qualifications.
Portfolio Loans
Designed for complex finances, high loan amounts, unique properties, and foreign national borrowers.
VA Loans
Give your borrowers flexible payment options so they can put their money to work.
Jumbo & Super Jumbo Loans
Access a property’s equity prior to its sale so your clients can secure their dream homes.
DSCR Loan Program
Fast-track your investment property loan by qualifying with the property’s expected net rents.
Interest-Only Mortgages
Benefit from flexibility and lower monthly payments during the early years of your mortgage.
Home Equity Lines of Credit
Access the equity in your home through a revolving credit line to cover large expenses or pay off debt.
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.
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.
We Can Help You Reach Your Homeownership Goals
Loans designed for your unique needs
Real savings through lower rates and fees
A streamlined home loan process
Options customized for today’s homeowner
Smart technology and useful tools
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.
Calculator
Rent or Buy?
Calculate how much you could potentially save by buying a home.
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.
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
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
Insight
First-Time Mortgage Refinance Guide
Worried that refinancing your home loan will be more effort than it’s worth? Check out this guide to determine if a mortgage refinance is right for you.
Insight
Dreaming of an Easy Way To Compare Mortgage Offers?
How do you know if the mortgage you’ve been offered is a good deal? Learn about a quick and easy way to compare your mortgage offers.