First-time mortgage refinance guide
Worried about refinancing your home loan? Check out this guide to determine if a mortgage refinance is right for you.
Experience a streamlined loan process, competitive mortgage interest rates, and expert guidance every step of the way. Whether you're purchasing a new home or refinancing your current one, it’s time to achieve your goals.
Select Purchase or Refinance to get started.
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Homeownership should be straightforward, affordable, and rewarding—and we’re here to make the process effortless. With innovative tools, expert guidance, and personalized solutions, you can move forward with conviction and ease.
Land a dream home with low rates, tailored plans, and fast closings.
Enjoy customized help and tools with a seamless digital experience.
With no lender fees on new first-lien mortgages, your savings go further.
Competitive rates make your payments manageable while saving thousands.
You get a customized mortgage solution for your unique homebuying needs.
Access your home equity with a lump sum and a fixed rate.
Take out money as you need it and only pay for what you use.
Is this the right time for a new mortgage? Sign up for Rate Watch. Get email alerts immediately when rates drop. It’s quick, easy, and free.
Best for buyers seeking highly competitive rates and flexible terms. Perfect for those looking to stay within loan limits.
Designed for unique circumstances, such as self-employment, high incomes, or distinct property needs.
Ideal for first-time homebuyers or those seeking low down payment options to get the home they want.
For veterans, active-duty service members, and eligible family members. Offers flexible payment options.
Perfect for purchasing luxury properties or homes that exceed conforming loan limits.
For real estate investors borrowing against a property’s rental income rather than their personal income.
From application to loan approval to closing, we'll walk with you every step of the way.
The entire process was simple. Their response time to everything was quick. The communication between us was fabulous! It was so easy and not stressful! I would highly recommend them.
I can do most of what I need online. But the chatbot is helpful and will quickly yield to a person. The perfect amount of friction/performance.
The superiority of online banking. The entire process was smooth and easy. I would definitely recommend using online banking (Axos Bank being the leader) for mortgage transactions, as it leads to a smooth and speedy closing.
Estimate your potential savings by switching from renting to owning your own house.
Crunch the numbers with this free mortgage payment calculator for making an online home loan work with your finances.
Use this calculator to estimate how much you could save each month to see if refinancing makes financial sense for you.
Get a property valuation through our partner HomeAdvantage for selling a home or leveraging home equity to fund your next big project.
Unlock a smarter path to homeownership. Discover actionable insights, expertly curated resources, and tailored comparisons to confidently choose the mortgage solution that fits your goals.
Worried about refinancing your home loan? Check out this guide to determine if a mortgage refinance is right for you.
A wide variety of valuable resources and services is now at your fingertips. Here’s a step-by-step guide for how to get started with your new account.
Thinking about refinancing your home loan? Here’s an easy four-step process to evaluate your potential savings for taking that big step.
To qualify for a mortgage loan, you’ll need to meet specific requirements based on your financial profile and credit history. Generally, this includes proof of income, a reliable credit score, and a manageable debt-to-income ratio. Our mortgage experts are here to guide you through the process and help you prepare the necessary documents. Learn more about preparing for your mortgage here.
While credit score requirements vary depending on the type of loan, most Axos Bank mortgage programs require a credit score of 620 or higher. Some specialized loans may offer more flexibility for individuals with lower credit scores. Call us at 888-546-2634 to discuss your options with a loan expert.
Axos Bank offers a wide variety of mortgage loans to suit your needs, including:
Conforming Loans: Competitive rates with flexible options.
Non-Conforming Loans: Ideal for larger loan amounts or unique financial situations.
FHA Loans: Low down payment and flexible credit qualifications.
VA Loans: Specially designed for veterans and active-duty service members.
Jumbo and Super Jumbo Loans: Designed for high-value properties.
Interest-Only Mortgages: Lower payments for the initial term of the loan.
Home Equity Lines of Credit (HELOC): Access your home’s equity for future projects or expenses.
Mortgage rates can change daily based on the overall market and economic conditions. To view the latest rates for purchasing or refinancing a home, visit our Mortgage Rates page. You can also sign up for our free Rate Watch tool to receive email alerts when rates drop.
To secure the lowest mortgage rate:
Maintain a high credit score by managing your debts responsibly.
Choose a shorter loan term, as rates are often lower for 15-year vs. 30-year loans.
Save for a larger down payment to reduce your loan-to-value ratio.
Compare different loan products to see which option offers the best rate for your needs.
Our team at Axos Bank can help you explore these strategies and find the rate that fits your goals. Contact our experts for personalized advice.