Home Loans

Home mortgage loans without the lender fee.1

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.

Apply in 10 minutes

Today's lowest 30-year fixed rate is 5.375%/5.596% APR*.

Get your personalized quote now or sign up for Rate Watch to be notified when your target rate hits.

Purchase Rates
Refinance Rates

4.6 Out of 5 Stars

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Best Mortgage Lender

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4.6/5

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Buy or refinance with confidence.

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.

Purchase your home

Land a dream home with low rates, tailored plans, and fast closings.

  • Close-of-Escrow Guarantee: Miss your escrow? We’ll wave your lender fees up to $950.2
  • Earn 3% Back: Get up to 3% annualized cash back on your mortgage payments.3
  • HomeAdvantage Cash Rewards: Earn 20% of your agent's commission when you close with us.4
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Refinance your home

Enjoy customized help and tools with a seamless digital experience.

  • Lower Payments: Refinancing to a new mortgage with a lower interest rate can significantly reduce your monthly payment. 
  • Access Needed Cash: Borrow a lump sum of money against your home's equity for major one-time expenses like home renovations.
  • Consolidate Debt: Pay off credit cards, student loans, medical bills, and other large debts.
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Why choose Axos for your home loan?

$0 lender fee1

With no lender fees on new first-lien mortgages, your savings go further.

Low mortgage rates

Competitive rates make your payments manageable while saving thousands.

Tailored loan options

You get a customized mortgage solution for your unique homebuying needs.

Leverage the power of your home equity today.

Home equity loan

Access your home equity with a lump sum and a fixed rate. 

  • Fast, easy online loan application
  • Competitive fixed rate; terms from 10 to 30 years
  • Get up to 85% of a property's value with loans up to $500,000

Home equity line of credit (HELOC)

Take out money as you need it and only pay for what you use. 

  • A line of credit with a set limit
  • Variable interest rate; terms from 5 to 10 years
  • Flexible payment options

What can I do with my home’s equity?

  • Renovate Your Living Space: Need a new kitchen? Have a growing family? Create the living space you’ve always wanted.
  • Fund Life Milestones: From launching a business to planning the wedding of your dreams, make your big plans a reality.
  • Secure Your Financial Future: Put your equity to work by investing in long-term opportunities like real estate or retirement savings.
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Rate Watch: Know when mortgage rates drop.

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.

Set Up Rate Watch

Find the perfect home loan for you.

Conforming loans

Best for buyers seeking highly competitive rates and flexible terms. Perfect for those looking to stay within loan limits.

  • Low interest rates
  • Options for different repayment terms
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Portfolio loans

Designed for unique circumstances, such as self-employment, high incomes, or distinct property needs.

  • Customized for unique financial cases
  • Great for non-traditional income sources
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FHA loans

Ideal for first-time homebuyers or those seeking low down payment options to get the home they want.

  • Lower down payment requirements
  • Flexible credit score qualifications
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VA loans

For veterans, active-duty service members, and eligible family members. Offers flexible payment options.

  • No down payment needed
  • Competitive interest rates
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Jumbo and Super Jumbo loans

Perfect for purchasing luxury properties or homes that exceed conforming loan limits.

  • Higher loan amounts available
  • Ideal for high-value properties
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DSCR loans

For real estate investors borrowing against a property’s rental income rather than their personal income.

  • Fast loan approval options
  • Available for single-family residences and properties with up to 4 units
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Become a homeowner. Here’s how to get started.

From application to loan approval to closing, we'll walk with you every step of the way.

  • Step 1: Pre-Qualify: It’s fast and easy. Do it by phone at 888-546-2634.
  • Step 2: Find an Agent: Need help? We’ve partnered with HomeAdvantage, offering over 850 real estate agents nationwide.
  • Step 3: Get Pre-Approved: Axos pre-approvals include an underwriting verdict. Complete an online application or call 888-546-2634.
  • Step 4: Find the Right Property: Here’s where fun begins. Find your dream home. HomeAdvantage can help with that too.
  • Step 5: Make Your Pick and Buy Your Home: Once your offer is approved, you’ll move into escrow. It’s that easy!
Get Pre-Qualified

See what our customers are saying.

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.

Colleen F.

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.

Benjamin D.

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.

Nixon B.

Rent vs. buy calculator

Estimate your potential savings by switching from renting to owning your own house.

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Mortgage payment calculator

Crunch the numbers with this free mortgage payment calculator for making an online home loan work with your finances.

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Mortgage refinance calculator

Use this calculator to estimate how much you could save each month to see if refinancing makes financial sense for you.

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What’s my home worth?

Get a property valuation through our partner HomeAdvantage for selling a home or leveraging home equity to fund your next big project.

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Mortgage insights and resources

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.

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Insight

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.

Read More
Insight

Personal loan or refinance?

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.

Read More
Insight

Mortgage refinance: Does it make sense?

Thinking about refinancing your home loan? Here’s an easy four-step process to evaluate your potential savings for taking that big step.

Read More

Frequently asked questions

How do I qualify for a mortgage loan with Axos Bank?

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.

What credit score do I need for a mortgage loan?

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.

What types of home loans does Axos Bank offer?

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.

What are the current mortgage rates?

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.

How can I get the lowest mortgage rate?

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.

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© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 Axos Invest, Inc. All Rights Reserved.

Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read Axos Bank’s FDIC Notice.

Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

Axos Bank NMLS# 524995

*

APR = Annual Percentage Rate. This offer is based on a $360,000 loan amount, 60% LTV (Loan-To-Value), taxes and insurance impounded, owner occupancy, single family residence located in 92122 zip code, credit score of 740, and a debt ratio of 26%. Rates are based on FNMA established criteria which may vary with loan characteristics and HUD loan limit guidelines. Credit and collateral are subject to approval. Terms and conditions apply. All approvals are subject to underwriting guidelines. Discount points = 1.625%. Rates effective as of 11/19/2025. A typical loan of $360,000 has 360 monthly payments of $2,015.90; APR 5.596%.

1

On new first-lien mortgages, Axos Bank will waive its full lender fee for loan amounts of $250,000 and above or reduce its lender fee by $200 for loan amounts of less than $250,000 if deposit account conditions stated below are met. Applicant is responsible for all third-party fees and all prepaid items. To qualify for the lender fee discount, the mortgage applicant or co-applicant must currently own (as a primary or joint owner) or open a new Axos Bank, Axos Bank for Nationwide, or UFB Direct personal deposit account during the mortgage application process AND an available balance of at least $500 must be present in the qualifying personal deposit account at the time the Initial Closing Disclosure for the mortgage is issued. This offer may be modified or discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator for additional details.

2

Certain restrictions and conditions apply. Please visit our Close of Escrow Guarantee page for more information.

3

Account holder(s) maintains an average daily balance equal to two times the borrower’s monthly principal and interest payments of their eligible Axos Bank consumer loan or combined minimum monthly principal and interest payments if borrower has multiple eligible Axos Bank consumer loans. Eligible Axos Bank consumer loans and Total Loan Rewards Checking account must be active as of the first day of the evaluation month in order to be eligible for the cashback credit for that period. 3% annualized cashback credit earned on mortgage and auto loans (0.25% per month) is calculated using principal and interest payments only (excludes any additional escrow amount included in the monthly payment) on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. 10% annualized cashback credit earned on personal loans (0.83% per month) is calculated using principal and interest payments only on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. Monthly cashback credit is limited to $100. Axos Bank reserves the right to sell a loan at any time without notice and may result in termination of any future cashback credit based on that loan. Axos Bank may cancel the program or change the annualized cashback rate and account requirements at the Bank’s discretion any time without notice. Your total cashback value may be reported as miscellaneous income to the IRS on a 1099-MISC form.

4

Cash Rewards are 20% of the agent’s commission. The example assumes a 2.5% agent commission. HomeAdvantage Rewards are offered by Axos Bank with HomeAdvantage Partners LLC (HomeAdvantage), a licensed real estate broker. HomeAdvantage is not affiliated with Axos Bank and Axos Bank is not responsible for the program provided by HomeAdvantage.

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