Mortgage Warehouse Lending

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.

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-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 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 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 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 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 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 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 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.