HELOC or Cash-Out Refinance: Which Is Right for Me?
Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?
Designed for borrowers with complex financials or unique borrowing needs. Achieve your real estate goals with a mortgage tailored to you– even if your income and finances don’t neatly fit traditional guidelines.
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We work with non-traditional incomes and complex financial needs.
Cooper found just the right product for my unique situation and was able to help when others said no.
I am deeply grateful to Tim and Axos Bank for everything they did to make this refinance possible. Not only was my personal situation very complex, but I got a spectacular rate and a term that matches my goals.
I have purchased a lot of houses and must say that Uriel was the most streamlined and no-nonsense loan officer I've ever had.
Apply online or contact our expert team for today’s rates.
Here are some of the many mix-and-match options available through Axos Bank.1
Have a different need? Call 888-277-9837
$150,000 up to $30 million
Fixed Rate, Adjustable Rate (ARM), and Interest-Only
Owner-Occupied, Second Home, and Investment Properties
Secure a new home without worrying about timing the sale of your existing property.
Two homes, one loan. Increase your buying power with the help of your existing property value.
Less paperwork and quicker closing for an investment property. Use the property cashflow to qualify.
Business owners: Use multiple income streams to qualify, including personal or business bank statements.
Leverage your stock and other assets to qualify for a larger mortgage – up to 90% LTV on jumbo and super jumbo loans – without selling assets or changing your investment strategy.
Portfolio loans are non-qualified mortgages (also known as non-QM). They provide customizations and unique underwriting guidelines that aren’t available through more traditional mortgages that are sold to large institutional investors like Fannie Mae or Freddie Mac.
Because portfolio loans are funded by banks and private investors, they’re able to provide more flexible features, including expanded underwriting and larger limits. Here are some benefits available through an Axos Bank portfolio home loan:
Yes, you can refinance portfolio loans. Doing so lets you lower your payment, improve the terms of your loan, access equity, consolidate debt, recoup your down payment, or accomplish your other real estate and financial goals.
Let us know what you’d like to accomplish, and we’ll review to see how we can optimize your loan goals.
Depending on the amount of your loan, your portfolio loan home mortgage interest may be fully tax deductible. Be sure to consult IRS guidelines and your tax advisors to determine eligibility.
Interest rates for portfolio loans can vary greatly depending on market conditions, loan amount, and other mortgage options. To get the most accurate rate, please contact our mortgage experts. Call 888-277-9837 or fill out the below form.
With a pledged asset mortgage, you’re able to use assets like stocks and mutual funds instead of a down payment toward a home. Pledged asset mortgages and other pledged asset loans are especially popular among individuals who work within the tech space and buyers who have a large stock portfolio but limited liquidity.
Because the assets act as additional collateral, borrowers can’t use pledged cash funds, but they can make stock trades and can continue to benefit from their long-term investment strategy.
Pledged asset mortgages are an attractive solution for homeowners and homebuyers who have an extensive investment portfolio. It allows them to utilize these assets toward a down payment without having to sell – so they can continue to maintain their long-term investment strategy and defer potential capital gains.
Pledged asset mortgages are best for individuals who have a long-term strategy, as the leveraged stocks (and other assets) are held away until the loan is paid off or refinanced. This means your portfolio must maintain a minimum value while it’s held away as a pledge.
Ready for your free portfolio loan consultation? Contact us for more information.
Looking for something else? You have options at Axos Bank!
Enjoy flexible options, qualifications, and freedom from lending limits for homes and investment properties.
Fast-track your investment property loan by qualifying with the property’s expected net rents.
Benefit from flexibility and lower monthly payments during the early years of your mortgage.
Plan & Learn
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Create a realistic budget for your upcoming home purchase.
Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?
Use our mortgage calculator to help you set a realistic budget and determine a perfect home loan fit.
Worried that refinancing your home loan will be too much effort? Check out this guide.