Kathy Lawler - Axia Home Loans

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KATHY LAWLER

BRANCH MANAGER, CMPS | NMLS# 256350

Cell – (651) 276-9439
Office – (651) 333-4966
kathy.lawler@axiahomeloans.com

Oakdale

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Oakdale branch
920 Inwood Ave North Oakdale, MN 55128 | NMLS# 1775033

Working With Professionals You Trust is Key!

If you are searching for a home for the first time, looking to refinance, or a move to the home that fits your next stages in life, I am here to help. Finding the right person to help you with your mortgage financing needs is a crucial step in the home buying process. With 26 years’ experience, my top priority is to provide you with the insights, loan options, tools and support to deliver a customized, straightforward and pleasant experience.

Axia Home Loans is the first 100% employee-owned mortgage banking firm in the nation. At Axia, we pride ourselves on creating a loan experience for you that is high tech, high trust, and high touch. We offer a variety of home loans to fit your mortgage financing needs: VA, USDA, FHA*, conventional and jumbo.

My experience paired with the employee-owned banking firm adds a new element to my personalized service. Let’s connect to start the discussion.

Top 1% of Mortgage Originators in America 2021/2020/2019 by Mortgage Executive Magazine
Scotsman Guide Top Originator Award for loans closed- 2021
2021/2020/2019/2018/2017/2016/2015 -Super Mortgage Professional by the MPLS/St. Paul Business Journal
2020/2019/2018/2017/2016/2015 Best Real Estate Professional by Minnesota Monthly Magazine

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Convenience at your fingertips

My customized app allows you to easily calculate payments, scan and send documents, track your loan progress, follow market news, and more!

Please scan the QR code or click here to download the app.

Learn about Axia’s 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.

Pre-Qualification

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 score¹.

Pre-Approval

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 conditions¹.

Ask me about our Guaranteed Credit Approval!

Axia’s Guaranteed Credit Approval gives the seller peace of mind and assures them your loan will close and the sale will go through. We’re so confident in our Guaranteed Credit Approval process that we’ll pay the seller $10,000 if your loan is not closed based on the terms of the Certified Homebuyer Guarantee.*

¹This is not an offer or commitment to lend. Not all applicants will qualify. Certifications are based on the applicant’s income, debt, assets, 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 the 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. Guarantee is not valid for any transaction that is canceled for reasons not related to loan financing. COVID-19, nature disasters, or other pandemics may alter the terms and conditions of the Guarantee.

lending solutions to meet your needs

Axia Home Loans is a direct lender with Fannie Mae, Freddie Mac and Ginnie Mae. Our broad array of lending solutions includes, but is not limited to:

Purchase & Refinance Loans
Conventional Conforming Loans
FHA Loans
VA Loans
USDA Loans
Fixed-Rate Loans
Adjustable Rate (ARM) Loans
Jumbo Loans
Home Equity Loans and Home Equity Lines of Credit (HELOC)
Reverse Mortgages
Local & State Down Payment Assistance and Bond Programs

We also have options for:

Non-Warrantable Condos & Condotels
Manufactured Homes
Modular Homes
Self-employed borrowers
And much more!

This list is not exhaustive, as we are continuously adapting our suite of loan solutions to best fit the needs of our borrowers and prevailing market conditions. Please reach out to me directly so we can determine the best solution for you today.

LET’S GET YOU HOME

Please provide your information below and I will contact you at my earliest opportunity.

Tools You Can Use

*Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.

Conventional Payment example: If you choose a $250,000, 30 year loan at a fixed rate of 3.3% (APR 3.5%), with a loan-to-value of 80%, you would make 360 payments of $1,122.61. Payment stated does not include taxes and insurance, which will result in a higher payment.

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