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

What are today’s mortgage rates?

30-year fixed mortgages start as low as 5.500%/5.746% APR**. Get your personalized rate quote now or sign up for Rate Watch.

Purchase Rates
Refinance Rates

4.6 Out of 5 Stars

Lending Tree

Best Mortgage Lender

The Ascent, A Motley Fool Service

4.6/5

Zillow Reviews

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: A smarter, simpler close that keeps you moving forward.2
  • $0 lender fee: We’ll waive your lender fees up to $950.1
  • HomeAdvantage Cash Rewards: Earn 20% of your agent's commission when you close with us.3
Apply NowGet Detailsicon / arrowCreated with Sketch.

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.
Apply NowGet Detailsicon / arrowCreated with Sketch.

Lose the lender fee1. Keep the yield—up to 4.21% APY* with Axos ONE®.

Axos ONE® waives the lender fee1 on a new home loan and offers boosted savings—up to 4.21% APY when requirements are met.

Call 888-546-2634

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.
Apply NowLearn Moreicon / arrowCreated with Sketch.

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
Call 888-546-2634icon / arrowCreated with Sketch.

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
See How It Worksicon / arrowCreated with Sketch.

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
Call 888-546-2634icon / arrowCreated with Sketch.

VA loans

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

  • No down payment needed
  • Competitive interest rates
Call 888-546-2634icon / arrowCreated with Sketch.

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
See How It Worksicon / arrowCreated with Sketch.

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
See How It Worksicon / arrowCreated with Sketch.

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.

Use Calculatoricon / arrowCreated with Sketch.

Mortgage payment calculator

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

Calculate Your Paymenticon / arrowCreated with Sketch.

Mortgage refinance calculator

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

Estimate Your Savingsicon / arrowCreated with Sketch.

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.

Learn Moreicon / arrowCreated with Sketch.

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.

View All
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.

Ask Evo AI

AI thinking...

Support
Careers
Insights
Company
Tools
Disclosures
CRA Public File
Privacy
Security
ATM Locator
Accessibility
Support
Careers
Insights
Company
Tools
Disclosures
CRA Public File
Privacy
Security
ATM Locator
Accessibility

© 2026 Axos Financial, Inc., All Rights Reserved. © 2026 Axos Bank, All Rights Reserved. © 2026 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2026 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

*

The Annual Percentage Yield (APY) is accurate as of 3/4/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.

The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.

Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:

Option 1

  1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.

  2. The average daily balance of your Axos ONE® Checking account is at least $1,500.

Option 2

  1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.

  2. The average daily balance of your Axos ONE® Checking account is at least $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:

  • The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.

  • The Axos ONE® Savings account will earn a promotional rate of up to 4.21% APY for the statement cycle in which the requirements are met.

The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.

A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.

**

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 = 1.875%. Rates effective as of 03/03/2026. A typical loan of $360,000 has 360 monthly payments of $2,044.04; APR 5.746%.

1

Applications received on or after 3/3/2026 on new first-lien mortgages, Axos Bank will waive its full lender fee if the conditions below are met:

  • The mortgage applicant(s) must open a new Axos ONE personal checking and savings account bundle during the mortgage application process.

  • Qualifying accounts must have an available balance of at least $5,000 at the time the Initial Closing Disclosure for the mortgage is issued.

If the mortgage applicant already has:

  • An active mortgage account serviced by Axos Bank, or

  • An Axos Bank or UFB consumer deposit account (as a primary or joint owner), with a minimum available account balance of $5,000 or more at the time the Initial Closing Disclosure is issued.

This offer may be modified or discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator for additional details. Applicants remain responsible for all third-party fees and prepaid items. HELOC’s, VA Loans, and 2nd lien mortgages are not eligible for the promotional offer.

2

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

3

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.

axos bank 25 years