Compare Loans

Conventional Fixed Rate Loans

  • 3% Down Home Ready and Home Possible

  • 5% Down Home Remodel Mortgage

  • Refinance up to 97% of your primary home's value

  • Cash Out up to 80% of your primary home's value

  • 30, 25, 20, 15 and 10-year terms available with fixed rates

Adjustable Rate Loans

  • 3/1, 5/1, and 7/1 ARM's. Monthly payments based on a 30 year repayment schedule.

  • The rate stays fixed for the first 3, 5, or 7 years (depending on chosen term), and then adjusting annually thereafter.

FHA Loans

  • 580+ Score: 3.5% Down

  • No Score?: 3.5% Down

  • Down payment can be a Gift from family

  • Post-bankruptcy qualifying - 2 years after.

  • Post-foreclosure qualifying - 3 years after.

Utah Housing

  • No Down Payment

  • FHA 1st Mortgage

  • 3.5% Utah Housing 2nd Mortgage

  • 2nd covers your down payment & most closing costs.

  • Rate on 2nd Mortgage = 2% higher than 1st Mortgage Rate.

  • Qualified First Time Homebuyers or Repeat Buyers

  • Cannot own other real estate

  • Income Limits may apply

  • Minimum credit score 660

Good Neighbor Next Door

  • Up to 50% off the Purchase Price

  • Teachers, Police Officers, Fire Fighters, Emergency Medical Technicians (EMTs)

  • $100 minimum down payment

  • Home must be located in special approved revitalization areas

  • Must live in home for 3 years

VA Loans

  • Competitive interest rates that are routinely lower than conventional rates.

  • Sellers can pay up to 6 percent of closing costs and concessions.

  • Higher allowable debt-to-income ratios than for many other loans.

  • Down payment as low as 0%.

100% Financing 1st Time Home Buyer Chenoa Program

  • Zero Down Payment

  • 600 Minimum Credit Score

  • No Income Limits over 115% AMI

  • Forgivable 3.5% or 5% Second Mortgage Option

  • Repayable 3.5% Second Mortgage

  • Combined with a FHA First Mortgage up to 96.5% of Purchase Price

  • Great Rates and Low Closing Costs!

Down Payment Assistance Grant

Conventional Grant Loan
  • We do the Down Payment Assistance Grant paperwork for you

  • We lend up to 97% of purchase price + up to 5% Grant

  • Grant is for down payment plus closing costs

FHA Grant Loan
  • We do the Down Payment Assistance Grant paperwork for you

  • Not Limited to First Time Homebuyers

  • 3% - 4% Down Payment Assistance Grant

3% Down Home Ready Loan

  • Ideal for 1st Time Home Buyers

  • 3% Down required

  • Primary Residence

  • 620+ Credit Score

  • FREE Appraisal Credit

  • Reduced Mortgage Insurance

Home Equity Lines

  • 720 credit score = line of credit to 90% of home value less first mortgage balance

  • Avoid mortgage insurance with a Combo 80% 1st Mortgage & 10% Home Equity Loan!

  • Pay off debts or get cash for remodel or down payment on a new home

  • Primary Residence Only

  • Line of credit up to $2,000,000 less your current mortgage loan balance.

Jumbo Loans

No Fee Home Mortgage

  • Purchases: Lender can pay for all closing costs

  • Refinances: No fees are added to the loan balance. Your new loan amount will be equal to your current loan balance.

  • Available on primary residence and 2nd home loans

  • Slightly higher rate by .25% to .50% depending on credit score and loan amount

Home Remodel Mortgage

  • Purchase: 5% down of after-remodel home value

  • Refinance: Borrow up to 95% of after-remodel value for improvements

  • Buy a home and remodel it before moving in

  • NO Payments up to 6 months if home not habitable

  • Primary Residence 95%, 2nd Homes 80% and Rental 75% (single family)

Reverse Mortgage

  • Receive cash monthly payments to help you live and enjoy retirement!

  • Receive a lump sum cash payment to use however you want!

  • 62+ Years of age to be eligible

  • Never make a payment as long as you live

  • You remain the owner of the home

  • You can never be kicked out of your home

Construction Loan

  • Purchase the land and build your home all with one loan

  • One closing saves $$ on closing costs

  • Only 5% Down required

  • Sweat equity allowed on loans up to 80% of home value

  • Spec home loans available for experienced builders. Call for more info.

Alternative Loans

  • No income verification investment property purchase or refinance

  • Foreign National loan

  • Fix and Flip 1 year investment loan

  • Hard Money long term Investment loan

  • H1B Visa buyer loan

  • 1 Day out of Bankruptcy loan

  • Bridge Loans

  • Bank Statement Loans for Self Employed

  • Commercial Residential Investment Property
    - No income or asset verification with 20% Down to $15 million

  • ITIN Loan

Foreign National Loan

  • 30% Down

  • Investment property only: Single Family, Condo, Townhouse or Condotel OK

  • No US credit history required

  • No income and No asset verification necessary

Condotel Loans

  • Primary Residence 20% Down

  • 2nd Home 25% Down

  • Rental 30% Down

  • Investment 30% Down: No income and No asset verification required on rentals

  • No income verification required on condotel rental loans

Lot Development Loans

  • Land acquisition and Development of Lots

  • Construction Spec Home Loans

  • 45 Day Funding

  • No minimum or maximum lot sizes

Commercial Loans

  • Residential apartments 5+ units

  • 20% to 30% down required

  • SBA Loans with 10% down

  • Auto shops, Retail strip mall, Churches, Warehouse, Self-storage, Office, Mobile home parks

It's a great time to purchase your new home. Get the process started by applying with Axent Funding today!