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Axia Home Loans is an employee-owned company that operates as a retail home loan provider. When a lender makes a decision about a mortgage application, they consider many basic factors: all based on your ability to repay the loan. To ensure your loan is truly affordable, a lender will verify your employment and income. Finally, your monthly Debt to Income ratio: your total income, minus monthly credit payments and other debts will also be considered. The costs of the loan as far as fees and service charges are not as clearly described or centered. Remember, all retail home loan companies charge you for the privilege of their expertise and service in setting up, evaluating and processing the loan application. Finding out what those costs are is very relevant to your eventual financial obligation and more importantly how much upfront money it costs to get the loan.

Providing Cutting Edge Technology

The site provides a description of the basic factors that will determine whether your loan application is approved for each kind of loan. The process of application has been totally digitalized, including the gathering of your financial documents. The service provided will solicit your permission to gather your financial information for you so that you don’t have to dig through boxes to find paper copies of your pay stubs, bank statements or tax forms. The site is well organized and doesn’t crowd pages with too much information. The language used is accessible to the non-expert. There are articles and tables as well as step by step calculators that will walk clients through the process of applying for the loan.

Loan Options Offered by Axia

Axia is a large company that offers many kinds of home loan products, which include fixed interest rates, adjustable interest rates, jumbo mortgages, FHA loans, VA loans, and a program they call Homepath financing, a program designed for purchasing Fannie Mae owned properties.