Buying a Home

Name: A Homebuyer's Guide to Buying a Home
Brand: Axos Bank

Curious how to get a mortgage?

Start with Axos Bank. If you’re ready to buy a home, we’re here to help. Follow our checklist – or make the move and apply for your home loan today.

Get Preapproved Call 888-546-2634

What are today’s mortgage rates?

Select Purchase or Refinance to get started.

Advantages to Buying a Home

Three smart reasons to buy instead of rent:

Generational Wealth

Create a legacy to pass on to future generations.

Build Home Equity

Accrue equity that you can later leverage for special projects.

Investment Income

Build a passive income stream through rental properties.

Buying a Home With
Axos Pays

An Axos Bank mortgage offers savings that you can get excited about.

$0 lender fee¹
Up to 3% annualized cash back²
Fast loan closing with Close-of-Escrow Guarantee³

Plus: Earn 20% of your agent’s commission with our HomeAdvantage Cash Rewards program!⁴

Earn Cash Rewards

Buying a New Home Checklist

Here are easy-to-follow steps to embark on your homeowner journey.

If you have questions, our team is just a phone call away at 888-546-2634.

Start With These Two Steps

You can do them do them at the same time!

Pre-Qualify for Your Home Loan

Before you hit the pavement – you’ll want to get pre-qualified. It will help you:

Develop an accurate budget.
Narrow your home search.
Build trust in your mortgage lender.

Axos makes it quick and easy – do it online or by phone.

Get Pre-Qualified Call 888-546-2634

Find a Trusted Real Estate Agent

You’ll want to choose a real estate agent who will best represent you in your property search.

Not sure where to start? We’ve partnered with HomeAdvantage – offering a network of over 850 real estate agents across the country.

Find an Agent

Up Next: Find Your Property & Your Loan

We recommend you work on these together, so you can place your offer ASAP.

Research & Find the Right Property

Here’s the fun part: Find your dream home!

You can jumpstart your search with HomeAdvantage – an online tool that lets you search, save, and favorite properties.

Get Started

Get Preapproved for Your Home Loan

Being preapproved while searching for properties helps give you buying certainty. Especially when it’s an Axos Bank mortgage preapproval – always backed by an underwriting decision.

We know you’re busy. Get it done quick with our online mortgage application or call 888-546-2364.

Get Started

Last Step: Purchase Your Home

Woohoo! Once your offer is approved, you’ll move into escrow.

Here’s what you can expect:

Provide loan documents – if you’re using Axos Bank, our mortgage specialists will guide you through every step to ensure your loan closes on time.
Complete home inspection – this is an important step to protect yourself from unknown expenses, and it’s often required by your mortgage lender.
Receive loan approval – you’re almost done!
Close on escrow – at least three days before closing, you’ll receive the paperwork from your lender and they’ll arrange for a notary to visit to sign the final paperwork.
Receive your keys – congrats, you’re now a homeowner!

Why Axos? We’re one of the best mortgage lenders.

Frequently Asked Questions

Buying a home is a complex process. It’s only natural you’ll have questions.
Here are two that we’re frequently asked. Have others? Call us at 888-546-2364.

1. Get your finances and documents ready. Be prepared to provide your most recent pay stubs, two years of W-2s, and two months of bank statements.
2. Check your credit and review your debt. Hint: The Axos App makes this easy! (Even if you don’t have an Axos account.)
3. Determine your budget. How much can you afford to pay each month? How much money can you put down? Do you have enough set aside for closing costs? Start crunching the numbers with our mortgage payment calculator. For more tips, read our article: Have You Saved Enough To Buy a Home?
4. Research reputable real estate agents. It pays to work with a knowledgeable expert. Your agent will guide you through the process and will provide the know-how on navigating contracts. We’ve partnered with HomeAdvantage to help you find an agent that aligns with your needs.
5. Identify a lender. Home loans come in all shapes and sizes, so it’s important that you partner with a mortgage lender who’s skilled in customizing the loan to the client. And that’s where Axos Bank comes in. Our expert team works with each homebuyer to craft a solution that works with their budget and financial structure.
We’re glad you asked! This is a common question – and there’s more than one correct answer.

Here are two helpful articles outlining some of the costs you’ll want to include in your homebuying budget:
- Have You Saved Enough To Buy a Home?
- Home Loan Basics: Down Payment and Closing Costs
The Axos Bank mortgage team is also here to answer your questions. A great first step is to get pre-qualified online or by phone at 888-546-2364.