let’s get
you home.

At Axia, we have found a way to add more value
to the mortgage pre-approval process. Axia’s Certified Homebuyer Program provides comprehensive education as you get started on
your homebuying journey.
Each level of
qualification leaves you more knowledgeable
and better equipped to shop for your new home.

Submit an online, in-person or over
the phone application to start the process.
Your loan advisor will walk you through what documentation is required.

let’s get started.

 

UNDERSTANDING YOUR PURCHASE POWER

Pre-Qualification

Homebuyer Guidebook
Preliminary Analysis
What You Need
  • Stated monthly income & debts
  • Property type
  • Stated credit scores
  • Stated down payment & purchase price 

This Certificate provides a preliminary assessment of your loan eligibility based solely on the income, debt, and asset information you provided to us, as well as your credit score; changes to this information may change the terms of this Certificate. 1

Pre-Approval

Homebuyer Guidebook
Preliminary Analysis
Verified Analysis
What You Need
  • Documented income & assets
  • Property type
  • Credit report
  • Down payment & purchase price

This Certificate signifies that we have verified your income, asset, debt, and credit information and on this basis have pre-approved you for the home mortgage loan. Subject to additional terms and conditions. 1

Credit Approval

Homebuyer Guidebook
Preliminary Analysis
Verified Analysis
Underwriting Analysis
Excellent Closing Speed
What You Need
  • Verification of income & assets
  • Property type
  • Credit report
  • Down payment & purchase price
  • Approval by underwriting

This Certificate signifies that our Underwriting Department has conducted a thorough analysis of your creditworthiness and issued a full credit approval provided that your verified income, asset, debt, and credit information does not change. This credit approval may be applied towards the purchase of a specific property if property-specific requirements are met. 1

WE STAND BEHIND OUR APPROVALS

Axia Home Loans guarantees we will close your loan as approved. The seller will receive $10,000 if the loan is not closed based on the terms of the Certified Homebuyer Guarantee.*

 1 this Certificate is not an offer or commitment for a loan.

Not all applicants will qualify. Certifications are based on applicant’s income, debt, asset, and credit information and their ability to repay the proposed loan. Closing speed characterizations refer to the time between a fully executed purchase and sale agreement and closing and are subject to delays caused by other parties. Certain restrictions apply; contact us for more detail

 *Eligible on TBDs, primary residences and first liens. Files must be fully credit approved with no conditions except for the executed purchase and sale, acceptable flood cert, appraisal report and title report. Guarantee lasts 60 days from approval date. Guarantee is conditional upon the maintaining of borrower’s credit rating, income and asset statuses. Not available for any sales contract contingencies, jumbos, USDA, state or local bond programs that require prior approval. Addendum to be signed by the buyer and seller and placed in loan file. Guarantee is not valid for any transaction that is canceled for reasons not related to loan financing. COVID-19, nature disaster or other pandemic may alter the terms and conditions of the Guarantee.

1120 112TH AVE NE, SUITE 600, BELLEVUE, WA 98004 | NMLS# 27830

© 2007 - 2021 AXIA HOME LOANS. NMLS# 27830. ALL RIGHTS RESERVED. AXIA HOME LOANS IS A REGISTERED TRADE NAME OF AXIA FINANCIAL, LLC.

© 2007 - 2021 AXIA HOME LOANS. NMLS# 27830. ALL RIGHTS RESERVED. AXIA HOME LOANS IS A REGISTERED TRADE NAME OF AXIA FINANCIAL, LLC.