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Standard Home Loan Offerings

For Your High-Net-Worth Clients

HOME LOANS FOR NONRESIDENT ALIENS

We understand the special needs associated with providing loans to nonresident aliens. With this in mind, we offer a streamlined loan process:


  • Your clients do not need a Social Security number, Green Card, or visa to qualify for an NRA loan.
  • No FICO score is required. We will accept foreign credit reports to demonstrate creditworthiness or satisfactory alternate credit from their country of origin.
  • Second Home: 60% LTV to $2 million, 55% LTV to $3 million, and 50% LTV to $5 million.
  • Interest-only mortgage options are available.
PORTFOLIO LOANS

We offer flexible, customized mortgage solutions, and take an innovative approach to creating each portfolio loan. We use the most effective means to meet the individual needs of each homebuyer on loan amounts ranging from $300,000 to $5 million, or more.


  • Interest-Only Options: For a fixed period, borrowers can choose to make payments only on the interest of their mortgage rather than the principal and the interest.
  • Vesting Title in Entities Program: Under the terms of this program, the title of a home can be vested into an LLC, trust, partnership, or sub S corporation.
  • Asset-Based Lending Programs: Homebuyers can borrow up to 90% LTV (loan-to-value ratio) with pledged assets.
  • Nonresident Alien (NRA) Mortgage Options: Customized home loans are available to Non-Resident Aliens.
Jumbo, Super Jumbo, Million Dollar Loans

These large loans exceed Fannie Mae and Freddie Mac requirements for conforming loans, and offer:


  • Freedom from Lending Limits: Jumbo Loans are ideal for homebuyers who need to borrow more than $453,100 - the lending limit for conforming loans in most counties in the United States.
  • Flexible Qualifications: We use a common-sense approach to underwriting. Our goal is to approve your loan application.
  • Convenience: Your client will benefit from the convenience of having one home loan and payment rather than two.

Why Recommend Axos Bank to Your Clients?


Our goal is to say, "yes." Whether or not your client fits the traditional lending archetype,

we will actively determine the best solution for their unique loan scenario.

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