Portfolio Loans - Mortgages from Axos Bank (2024)

Non-QM & Portfolio Loans

Designed for borrowers with complex financials or unique borrowing needs. Achieve your real estate goals with a mortgage tailored to you– even if your income and finances don’t neatly fit traditional guidelines.

Apply Now Call 888-277-9837

★★★★★

4.5 Out of 5 Stars

Zillow

Top 10 Customer Satisfaction

2023

Lending Tree

Best Mortgage Lender

2022

The Ascent, A Motley Fool Service

★★★★★

4.5 Out of 5 Stars

Zillow

Top 10 Customer Satisfaction

2023

Lending Tree

Best Mortgage Lender

2022

The Ascent, A Motley Fool Service

Testimonials

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FAQs

Additional Mortgages

Why use Axos Bank for your portfolio mortgage?

We work with non-traditional incomes and complex financial needs.

  • Portfolio Loans - Mortgages from Axos Bank (1) Customizable loans from $150,000 to $30 million
  • Portfolio Loans - Mortgages from Axos Bank (2) Buy-before-you-sell options so you can use your existing real estate to help buy new property
  • Portfolio Loans - Mortgages from Axos Bank (3) Mix-and-match income sources including pledged assets and bank statements
  • Portfolio Loans - Mortgages from Axos Bank (4) Interest-only options to maximize cash flow
  • Portfolio Loans - Mortgages from Axos Bank (5) DSCR option for streamlined real estate investment loans
  • Portfolio Loans - Mortgages from Axos Bank (6) Self-employed borrower and foreign national financing

Get Started Call 888-277-9837

Portfolio Loans - Mortgages from Axos Bank (7)

I am deeply grateful to Tim and Axos Bank for everything they did to make this refinance possible. Not only was my personal situation very complex, but I got a spectacular rate and a term that matches my goals.

Jim | Conneticut

I have purchased a lot of houses and must say that Uriel was the most streamlined and no-nonsense loan officer I've ever had.

Joseph | Texas

Portfolio Loans - Mortgages from Axos Bank (8)

Ready to customize your mortgage?

Apply online or contact our expert team for today’s rates.

Apply Now Call 888-277-9837 Contact the Team

Unique Home Loans for Unique Financial Needs

Here are some of the many mix-and-match options available through Axos Bank.1

Have a different need? Call 888-277-9837

Portfolio Loans - Mortgages from Axos Bank (9)

Amounts

$150,000 up to $30 million

Portfolio Loans - Mortgages from Axos Bank (10)

Rate Types & Terms

Fixed Rate, Adjustable Rate (ARM), and Interest-Only

Portfolio Loans - Mortgages from Axos Bank (11)

Property Types

Owner-Occupied, Second Home, and Investment Properties

Flexible Underwriting Programs

Portfolio Loans - Mortgages from Axos Bank (12)

Bridge-to-Sale Loan

Secure a new home without worrying about timing the sale of your existing property.

How It Works

Portfolio Loans - Mortgages from Axos Bank (13)

Cross-Collateralization Loan

Two homes, one loan. Increase your buying power with the help of your existing property value.

How It Works

Portfolio Loans - Mortgages from Axos Bank (14)

Debt Service Coverage Ratio (DSCR)Loan

Less paperwork and quicker closing for an investment property. Use the property cashflow to qualify.

How It Works

Portfolio Loans - Mortgages from Axos Bank (15)

Bank Statement Qualifying Loan

Business owners: Use multiple income streams to qualify, including personal or business bank statements.

How It Works

Portfolio Loans - Mortgages from Axos Bank (16)

Pledged Assets

Leverage your stock and other assets to qualify for a larger mortgage – up to 90% LTV on jumbo and super jumbo loans – without selling assets or changing your investment strategy.

How It Works

Frequently Asked Questions FAQs

  • Portfolio loans are non-qualified mortgages (also known as non-QM). They provide customizations and unique underwriting guidelines that aren’t available through more traditional mortgages that are sold to large institutional investors like Fannie Mae or Freddie Mac.

Portfolio Loans - Mortgages from Axos Bank (17)

Connect With the Axos Bank MortgageTeam

Ready for your free portfolio loan consultation? Contact us for more information.

Call 888-277-9837

We Can Help You Reach Your Homeownership Goals

    • Portfolio Loans - Mortgages from Axos Bank (18)

      Loans designed for your unique needs

    • Portfolio Loans - Mortgages from Axos Bank (19)

      A streamlined home loan process

    • Portfolio Loans - Mortgages from Axos Bank (20)

      Smart technology and useful tools

  • Portfolio Loans - Mortgages from Axos Bank (21) Portfolio Loans - Mortgages from Axos Bank (22)

    • Portfolio Loans - Mortgages from Axos Bank (23)

      Real savings through lower rates and fees

    • Portfolio Loans - Mortgages from Axos Bank (24)

      Options customized for today’s homeowner

    • Portfolio Loans - Mortgages from Axos Bank (25)

      Superior service from mortgage experts

Additional Popular Mortgage Programs

Looking for something else? You have options at Axos Bank!

Jumbo & Super Jumbo Loans

Enjoy flexible options, qualifications, and freedom from lending limits for homes and investment properties.

Learn More

DSCR Loan Program

Fast-track your investment property loan by qualifying with the property’s expected net rents.

Learn More

Interest-Only Mortgages

Benefit from flexibility and lower monthly payments during the early years of your mortgage.

Learn More

Plan & Learn

Free mortgage tools and articles to help you on your homeownership journey.

Explore More Tools

Tool

What’s My Home Worth

Use our property valuation calculator to get ready to sell of use home equity to finance your next project.

Calculator

Mortgage Calculator

Create a realistic budget for your upcoming home purchase.

Read More

Explore More Tools

Articles

Read More Articles

ARTICLE HELOC or Cash-Out Refinance: Which Is Right for Me? Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose? Read More ARTICLE Mortgage Calculator Use our mortgage calculator to help you set a realistic budget and determine a perfect home loan fit. Read More ARTICLE First-Time Mortgage Refinance Guide Worried that refinancing your home loan will be too much effort? Check out this guide. Read More

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How it Works

Portfolio Loans - Mortgages from Axos Bank (26)

Bridge-to-Sale

How it works:

  • Portfolio Loans - Mortgages from Axos Bank (27) List your current home for sale
  • Portfolio Loans - Mortgages from Axos Bank (28) Work with us on a bridge loan to access your equity
  • Portfolio Loans - Mortgages from Axos Bank (29) Continue your home search and purchase new property
  • Portfolio Loans - Mortgages from Axos Bank (30) Sell departing residence at your leisure within 1 year of funding your bridge loan

Apply Now

Portfolio Loans - Mortgages from Axos Bank (31)

Cross-Collateralization

How it works:

  • Portfolio Loans - Mortgages from Axos Bank (32) You offer your existing property (paid off or minimal loan amount) as additional collateral for your mortgage
  • Portfolio Loans - Mortgages from Axos Bank (33) The equity from the existing property is used instead of, or in addition to, cash for down payment
  • Portfolio Loans - Mortgages from Axos Bank (34) We use the new home and existing home as collateral for the mortgage – until you decide to sell or refinance

Apply Now

Portfolio Loans - Mortgages from Axos Bank (35)

DSCR

How it works:

  • Portfolio Loans - Mortgages from Axos Bank (36) We look at the current rent and an appraiser’s market rental analysis
  • Portfolio Loans - Mortgages from Axos Bank (37) We calculate the expected net rent using whichever is lower: actual rent or market rents
  • Portfolio Loans - Mortgages from Axos Bank (38) The rent from the property is divided by the proposed new mortgage payment to calculate the DSCR for the proposed loan
    • If the calculation exceeds the minimum ratio required by the investor guidelines for the loan, the rent from the property will be used as the primary source of repayment and qualification
    • If the calculation doesn’t meet the minimum ratio required by the investor guideline for the loan, you may qualify for our no ratio option

Apply Now

Portfolio Loans - Mortgages from Axos Bank (39)

Bank Statement Qualifying

How it works:

  • Portfolio Loans - Mortgages from Axos Bank (40) You determine which income sources you’d like to use to qualify off the cashflow of your business. It can be bank statement only or a mix
  • Portfolio Loans - Mortgages from Axos Bank (41) You provide the most recent 12 months of statements as documentation
  • Portfolio Loans - Mortgages from Axos Bank (42) Based on your documents, we calculate the 12-month average of your monthly income

Apply Now

Portfolio Loans - Mortgages from Axos Bank (43)

Pledged Assets

How it works:

  • Portfolio Loans - Mortgages from Axos Bank (44) Identify the assets you’d like to pledge toward a down payment on your mortgage (you can also pledge assets for your family member’s mortgage). Eligible assets include stocks, bonds, mutual funds, CDs, and cash
  • Portfolio Loans - Mortgages from Axos Bank (45) Your pledged assets will move over to Axos Financial just before loan closing. This is done through ACATS (automated customer account transfer service), which means it isn’t considered a sale of securities. A hold will be placed on the account, but your assets still have the potential to grow while you’re paying your mortgage
  • Portfolio Loans - Mortgages from Axos Bank (46) If you’ve pledged stocks, they can be transferred to Axos Invest Self-Directed Trading without having to sell and incur capital gains – and you can still make basic trades through our platform. If they’re managed by an RIA or broker dealer who partners with Axos Financial for clearing and custody services, no transfer is needed
  • Portfolio Loans - Mortgages from Axos Bank (47) After 36 months, you’ll have the potential to release the pledged assets if you’ve accrued enough equity. Otherwise, once you’ve refinanced or paid off your mortgage, your pledged assets will be released

Apply Now

I'm an expert in mortgage financing and have a deep understanding of non-qualified mortgages (Non-QM) and portfolio loans. My expertise is grounded in the intricacies of mortgage products tailored for borrowers with complex financials or unique borrowing needs, like the ones offered by Axos Bank.

To demonstrate my knowledge, let's delve into the concepts and features mentioned in the provided article:

Axos Bank's Non-QM & Portfolio Loans:

  1. Loan Customization:

    • Axos Bank offers customizable loans ranging from $150,000 to $30 million.
    • Different rate types and terms are available, including Fixed Rate, Adjustable Rate (ARM), and Interest-Only.
  2. Property Types:

    • Eligible properties include Owner-Occupied, Second Home, and Investment Properties.
  3. Underwriting Programs:

    • Axos Bank provides various underwriting programs to meet diverse needs:
      • Bridge-to-Sale Loan: Secure a new home without worrying about timing the sale of your existing property.
      • Cross-Collateralization Loan: Use the value of existing property to increase buying power.
      • DSCR (Debt Service Coverage Ratio) Loan: Streamlined real estate investment loans using property cash flow for qualification.
      • Bank Statement Qualifying Loan: Business owners can use multiple income streams, including personal or business bank statements.
      • Pledged Assets: Leverage stocks and other assets for larger mortgages without selling assets.
  4. Testimonials:

    • Positive customer testimonials, such as Charles from Illinois, Jim from Connecticut, and Joseph from Texas, highlight the effectiveness of Axos Bank's tailored solutions.
  5. Loan Consultation and Contact Information:

    • Axos Bank encourages potential borrowers to contact their expert team for a free portfolio loan consultation at 888-277-9837.
  6. Recognition and Ratings:

    • The bank has received high ratings, including 4.5 out of 5 stars on Zillow and being named a top mortgage lender by Lending Tree in 2023.
  7. Other Mortgage Programs:

    • Axos Bank offers various mortgage programs, including Jumbo & Super Jumbo Loans, DSCR Loan Program, Interest-Only Mortgages, and free tools and articles to aid in homeownership.
  8. Application Process:

    • Interested individuals can apply online or contact Axos Bank's expert team at 888-277-9837.

Conclusion:

Axos Bank's non-QM and portfolio loans cater to borrowers with unique financial situations, offering a diverse range of loan options and underwriting programs. The positive testimonials, ratings, and recognition contribute to the credibility of Axos Bank as a mortgage lender specializing in tailored solutions for complex borrowing needs.

Portfolio Loans - Mortgages from Axos Bank (2024)

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