Is COVID-19 impacting your ability to make your Axos loan payment?
If you are an Axos Bank borrower and are encountering financial hardship due to COVID-19, please contact us by email at [email protected].
Our anticipated response time is within five business days. Contacting us again at the same email address or by another method will delay our ability to respond to your concern.
Making Your Payment From Your Axos Account
From the comfort of your home or on the go, you can enjoy the convenience of online banking. Sign in to your Axos account and go to “Move Money” to make your monthly payment or set up automatic recurring payments. It’s safe and secure!
Sign In to My AccountNeed Another Option to Make Your Payment?
Don’t have an online Axos account?
You can still make a one-time payment directly from another bank account. Before you start the easy, online process, have the following information ready:
- your loan number
- your bank name and routing number where you want the payment to come from
- your bank account number
Prefer to mail us a check?
Mailing your payment is always an option. Be sure to allow enough time for your payment to get to us, to avoid any late fees. If you think your payment may be late, try the one-time payment option.
Mail payment to:
Axos Bank Loan Payments
P.O. Box 80471
City of Industry, CA 91716-8471
Have Questions About Your Loan?
Save time! Find the answers to common questions about your loan.
*Does not apply to payments made from an external institution.
You can mail us a check or call us to make a payment. When making an additional principal payment, reference “principal payment” and the amount on your check. Otherwise, the amount will be considered a partial payment.
Mailing Address
Axos Bank Loan Payments
P.O. Box 80471
City of Industry, CA 91716-8471
Your promissory note or contract provides detailed information on late fees, including any applicable grace periods. Any additional fees or penalties would also be explained there. Make your payment before your grace period expires to avoid late fees.
You can provide the following name and address:
Axos Bank
ISAOA / ATIMA
P.O. Box 5804
Troy, MI 48007-5804
A line of credit will not be closed or considered “paid off” unless specifically requested by the customer.
Need Our Contact Information?
Loan Customer Service
Phone: 1-866-923-7112
Hours: Monday - Friday 8:00 a.m. - 5:00 p.m. PT
Qualified Written Requests
Loan Servicing
Attention: QWR
P.O. Box 401420
Las Vegas, NV 89140
Want to Learn About Loan Payment Assistance?
Assistance may be available to help you avoid foreclosure. For general inquiries, log in to your account and select the Support icon to submit a request to our Portfolio Management Team.
Learn More
Based on your current loan situation, you may qualify for one of the following options:
- Loan Modification - Modifying the current terms of your loan to give you a more affordable monthly home loan payment
- Repayment Arrangements - Developing a plan to repay the full amount owed over time
- Deed-in-Lieu - Signing a deed transferring title to the property to Axos Bank as a way to avoid foreclosure
- Short Sale - Axos Bank agrees to accept less than a full payoff of the loan from the sale of the property
- Full Reinstatement - Paying all past due amounts to bring your loan current
If you would like to learn more about which option might be most beneficial to you and your request is NOT related to COVID-19, please contact us at 877-764-9998 during normal business hours.
You will need to provide the following information (if applicable):
- Hardship Letter – an explanation of why you’re having trouble paying your mortgage
- Financial Worksheet – information about yourself, co-borrowers, the property, your income and expenses and details of your hardship
For Fannie Mae loans:
- Uniform Borrower Assistance Form (Form 710)
- Internal Revenue Service Short Form Request for Individual Tax Return Transcript (IRS form 4506-T-EZ)
For Freddie Mac Loans:
- Uniform Borrower Assistance Form (Form 710)
- Internal Revenue Service Short Form Request for Individual Tax Return Transcript (IRS form 4506-T-EZ)
- 1099 IRS form – shows your income from investments, tax refunds, retirement income and other sources
- 4506-T – authorizes Axos Bank to obtain a copy of your recent tax returns from the IRS
- Federal Tax Returns – the last two years tax returns, including all forms and schedules, to show your income from all sources
- W-2 – shows wages paid and taxes withheld by your employer
- W-8 – for non-resident alien, to show certain withholding exemptions
- Bank or brokerage statements
- Financial statements (profit and loss statements)
- Lease or rental agreement
- Paystubs
- Rental income
- Canceled checks – to show expenses you have paid
- Divorce Decree
- Schedule of real estate owned
- Trust Agreement
- Third Party Authorization Form
- Proof of occupancy – to prove you are living in your home
- Power of Attorney
- Listing Agreement
- Purchase or Sale Agreement
Servicemembers Civil Relief Act (SCRA)
Contact your unit’s Judge Advocate, Legal Assistance Officer, or “Military OneSource” at 800-342-9647 or www.militaryonesource.mil/legal if you believe you may have rights under the Servicemembers Civil Relief Act (SCRA) as a member of (or dependent of a person in) the following: military commissioned corps of the National Oceanic & Atmospheric Administration commissioned corps of the Public Health Service military reserves called to active duty full-time member of the National Guard
HUD Housing Counseling
The U.S. Department of Housing and Urban Development (HUD) sponsors free or low cost housing counseling throughout the country. Housing counselors can help you understand the law and your options. They can also help you organize your finances and represent you in negotiations with your lender if you need assistance. You may find a HUD-approved housing counselor near you by calling 800-569-4287 or online at www.consumerfinance.gov/find-a-housing-counselor/. For hearing-impaired customers, HUD Counseling Agency (TDD) numbers are available at 800-877-8339.
