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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.

What are today’s mortgage rates?

Select Purchase or Refinance to get started.

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.

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.

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 888-546-2364.

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.

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.

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

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.

Mortgage Tools

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

Explore more tools

Rent or Buy Calculator

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


Mortgage Payment Calculator

Create a realistic budget for your upcoming home purchase.