Buying a Home

Curious how to get a mortgage?

If you’re ready to buy a home, Axos is here to help. Call us at 888-546-2634, follow our steps, or make the move and apply for your home loan today. Then, find out how to get Cash Rewards on your new home purchase.

Get PreapprovedStart My Home Searchicon / arrowCreated with Sketch.

Today's lowest 30-year fixed rate is 5.625%/5.861% APR*.

Get your personalized quote now or sign up for Rate Watch to be notified when your target rate hits.

Purchase Rates
Refinance Rates

Steps to Buying a Home

These easy-to-follow steps will help you embark on your home owner journey. We're here to answer your questions at 888-546-2634.

1. Pre-Qualify for Your 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-QualifiedCall 888-546-2634icon / arrowCreated with Sketch.

    2. Find an 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

    3. Get Preapproved

    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 888-546-2634.

    Get Preapproved

    4. 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.

    Find Your Home

    5. 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!

    Benefits 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.

    Know When Mortgage Interest Rates Drop

    Not quite ready to apply? Or want to track rates for future savings opportunities? Sign up for Rate Watch email alerts for rate drops. It’s quick, easy, and free.

    Set Up Rate Watch

    Save When You Buy With Axos

    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

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

    They were the absolute best to work with! They made such a daunting process quick and simple.

    Lo|California

    The entire Axos Bank team was extremely professional and performed flawlessly.

    John|California

    Truly a 5 Star Lender! From start to finish, they made this a seamless transaction! Highly recommend.

    Alex|South Carolina

    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 888-546-2634.

    What are 5 things you should do before buying a home?

    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.

    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.

    Mortgage Tools

    Tap into additional mortgage tools and insights so you’re confident in your home purchase.

    Explore more toolsicon / arrowCreated with Sketch.

    Rent or Buy Calculator

    Estimate your potential savings from switching from renting to owning a home.

    Use Rent or Buy Calculatoricon / arrowCreated with Sketch.

    Mortgage Payment Calculator

    Create a realistic budget for your upcoming home purchase.

    Use Mortgage Calculatoricon / arrowCreated with Sketch.

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    Insight

    Does a Mortgage Refinance Make sense? Find out in 4 Steps.

    Thinking about refinancing your home loan? Here’s an easy 4-step process to evaluate your potential savings.

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    HELOC or Cash-Out Refinance: Which Is Right for Me?

    Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?

    Read More
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    First-Time Mortgage Refinance Guide

    Worried that refinancing your home loan will be more effort than it’s worth? Check out this guide to determine if a mortgage refinance is right for you.

    Read More

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    © 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 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

    *

    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 = 1.750%. Rates effective as of 12/17/2025. A typical loan of $360,000 has 360 monthly payments of $2,072.36; APR 5.861%.

    1

    On new first-lien mortgages, Axos Bank will waive its full lender fee for loan amounts of $250,000 and above or reduce its lender fee by $200 for loan amounts of less than $250,000 if deposit account conditions stated below are met. Applicant is responsible for all third-party fees and all prepaid items. To qualify for the lender fee discount, the mortgage applicant or co-applicant must currently own (as a primary or joint owner) or open a new Axos Bank, Axos Bank for Nationwide, or UFB Direct personal deposit account during the mortgage application process AND an available balance of at least $500 must be present in the qualifying personal deposit account at the time the Initial Closing Disclosure for the mortgage is issued. This offer may be modified or discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator for additional details.

    2

    Account holder(s) maintains an average daily balance equal to two times the borrower’s monthly principal and interest payments of their eligible Axos Bank consumer loan or combined minimum monthly principal and interest payments if borrower has multiple eligible Axos Bank consumer loans. Eligible Axos Bank consumer loans and Total Loan Rewards Checking account must be active as of the first day of the evaluation month in order to be eligible for the cashback credit for that period. 3% annualized cashback credit earned on mortgage and auto loans (0.25% per month) is calculated using principal and interest payments only (excludes any additional escrow amount included in the monthly payment) on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. 10% annualized cashback credit earned on personal loans (0.83% per month) is calculated using principal and interest payments only on the last day of each month, and, if applicable, posted to the account within the 10 business days of the following month. Monthly cashback credit is limited to $100. Axos Bank reserves the right to sell a loan at any time without notice and may result in termination of any future cashback credit based on that loan. Axos Bank may cancel the program or change the annualized cashback rate and account requirements at the Bank’s discretion any time without notice. Your total cashback value may be reported as miscellaneous income to the IRS on a 1099-MISC form.

    3

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

    4

    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.

    Obtaining a mortgage from Axos Bank is not required to participate in the HomeAdvantage Rewards program. Homebuyers may arrange for financing with any lender. Qualifying for the reward requires using a real estate agent that participates in HomeAdvantage broker-to-broker agreement to complete the real estate buy and/or sell transaction. You retain the right to negotiate buyer and/or seller representation agreements.

    Cash Rewards are paid by check after closing. Other options may be available.

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