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Our process is fast and easy:

  • Confirm that you've made your last six (6) mortgage payments on time.
  • Submit your application online, making sure to indicate “Yes” when asked if you’re a qualified veteran interested in VA financing
  • A VA home loan expert from Axos Bank will contact you to review your application and finalize the process.

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*Axos Bank will waive its lender fee ($995) or reduce its lender fee on new first lien mortgage loans under the following conditions: 1) The customer must have an existing or open a new Axos Bank Checking Account during the loan application process; AND 2) the new mortgage loan must be for $250,000 or more; OR 3) if the new mortgage loan is less than $250,000, Axos Bank will reduce its lender fee by $200 if the customer has or opens a new Axos Bank Checking Account during the loan application process. The customer will be responsible for all third party fees and all prepaid items. The $2,500 average savings is based on a national average for lender fees presuming a $250,000 loan amount and 1% origination fee.

1. Account holder(s) must maintain 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.

The 3% annualized cashback credit (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. Monthly cashback credit is limited to $100 (0.25% of aggregated minimum monthly principal and interest payment of $40,000).

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. Limitations apply as some consumer lending products are not included in the Total Loan Rewards Checking offer and will not earn a cashback credit.

If your account is closed mid-cycle, your accrued cashback earnings will be forfeited. If your account is at zero at the end of your statement cycle, your accrued cashback earnings will be forfeited for that cycle and your account will be closed.

Your total cashback value may be reported as miscellaneous income to the IRS on a 1099-MISC form.

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 click here.

Axos Bank NMLS# 524995