Mortgage Warehouse Lending
Warehouse credit lines that scale up to $400MM
Think bigger. Fund faster. Axos warehouse lines scale to $400M with rates that make sense and technology that actually works—plus service from people who get the mortgage game.
Partner now with a fast, flexible warehouse lender.
- Warehouse lines of credit from $20MM-400MM
- Extended funding hours to 6:00 p.m. ET
- National reach with same-day speed for both wet and dry funding
- Specialized pricing designed around your business
What sets Axos Bank apart from other warehouse lenders?
Reliable Banking
We have secure processes in place to mitigate risk and stay a reliable lender.
Large Takeout
Investor Pool
We’re approved with over 100 takeout investors. Gain speed, stability, and confidence in the sale of loans.
Experience That Works for You
Receive in-house training and responsive support from our friendly and experienced operations team.
Innovative Lending Platform
Gain extensive online reporting and pipeline management.
Hands-On Funding System
Seamlessly manage your pipeline according to your business needs. Our smart technology lets you control the timing.
Multiple Delivery Options
We offer individual and bulk funding options.
$400MM credit lines that move at market speed.
Mortgage momentum isn't luck. It's preparation. Axos warehouse lines deliver the capital and speed that turn opportunities into closed deals.
Explore Our Most Popular Products
Agency Loans
Agency loans are mortgages backed by government-sponsored entities like Freddie Mac and Fannie Mae. These loans offer a variety of options with relatively lower risk, making them a popular choice for many homeowners.
Non-Agency Loans
Unlike agency loans, non-agency loans are not backed by government-sponsored entities. These loans offer greater flexibility in terms and conditions, allowing for unique solutions tailored to individual borrower circumstances.
Non-QM Loans
Non-Qualified Mortgages (Non-QM) do not meet the Consumer Financial Protection Bureau's (CFPB) guidelines for a Qualified Mortgage. These loans types like DSCR, pledged assets, and more, cater to borrowers with unconventional income documentation, offering a more inclusive lending solution.
Government Loans
Government loans are backed by federal agencies such as the FHA, VA, or USDA. These loans often have lower down payment requirements and more lenient credit score guidelines, making homeownership more accessible to a wider demographic.
Jumbo Loans
Jumbo loans exceed the maximum loan limits set by government-sponsored entities. They are designed to finance luxury properties and homes in highly competitive local real estate markets.
Super Jumbo Loans
Super Jumbo Loans are for amounts that greatly exceed the standard Jumbo loan limits. These loans are typically used for high-value real estate transactions in affluent areas.
Axos Portfolio Loans
Axos Portfolio Loans allow us to offer innovative borrowing solutions outside the traditional lending scope. The bank retains these loans in its own portfolio, providing a more personalized borrowing experience.
Reverse Mortgage Loans
Reverse Mortgage Loans are specialized home equity loans designed for homeowners 62 and older that require no monthly payments during the loan term. They’re best suited for those looking to access home equity while continuing to live in their property without the burden of monthly mortgage payments.
Closed End Seconds
Closed End Seconds are fixed-rate second mortgage loans that provide a lump sum of cash secured by home equity with predictable monthly payments. They’re ideal for homeowners planning major home improvements, debt consolidation, or large one-time expenses who prefer the certainty of fixed payments.
Business Purpose Loans
Business Purpose Loans are commercial financing solutions designed for real estate investors and business operators to acquire, refinance, or improve investment properties. They’re often used to expand real estate portfolios or optimize cash flow through strategic refinancing.
Your warehouse lending partners
Bobby Martini
SVP, Warehouse Lending
Work: (858) 649-2515; ext. 1525
Mobile: (858) 649-2515
[email protected]
Eric Nelepovitz
VP, Business Development
Work: (877) 351-2265; ext. 1099
Mobile: (619) 432-5865
[email protected]
Justin Castillo, AMP
Business Development Mgr.
Work: (858) 649-2435; ext. 1631
Mobile: (858) 333-7774
[email protected]
Diego Tovar
Business Development Officer
Work: (877) 351-2265; ext. 1498
[email protected]
What is warehouse lending?
Speed meets scale.
Mortgage warehouse lending eliminates cash flow gaps that slow your deals. These specialized credit lines give originators instant capital access: fund loans fast, sell to secondary markets, repay, and repeat.
Your funded loans become collateral, unlocking immediate capital for the next opportunity. It's continuous financing that keeps your origination pipeline flowing without interruption.
Your pipeline needs momentum, not delays. Axos warehouse lending funds at the speed of opportunity while you close what matters. Because in today's mortgage market, the fastest funding wins.
Let’s Start a Conversation
Get inventory with flexible floor plan lending that keeps your business stocked and growing.
Forms
If you’re an approved correspondent, complete the forms linked below and email completed forms to [email protected] or contact us at 888-764-7080 to get started.
Stand out with wholesale & correspondent portfolio lending.
Here’s another way to win in today’s mortgage market – offer niche portfolio jumbo lending. Our enhanced programs deliver greater flexibility for luxury homebuyers with complex financial needs.