Loan Models

Whether you've found that right place, or want to know how much you qualify for, Axis Mortgage & Finance and Axis Realty & Investments partner with reputable lenders to help you get the right loan.

Contact us to learn how to apply for any of the following:
- Fixed Rate Mortgage Loan
- Adjustable Rate Mortgage (ARM) Loan
- Interest Only Loan
- Home Equity Line of Credit
- Home Equity Loan
- Commercial Loan
- All others

We are pleased to present the following featured programs!

First-time Homebuyer (FTHB) Program
Commercial Lending Program

If you are a first-time buyer, we can help you with a FTHB program through the California Housing Finance Agency (CalHFA). Created by the state legislature in 1975, CalHFA loan programs are specifically designed to provide affordable home financing to low or moderate income, first-time homebuyers who have demonstrated their capability to assume the role of a responsible home owner. In order to provide these homebuyers every opportunity to succeed as a home owner for years to come, CalHFA constantly reviews and revises product specs and underwriting standards to best serve these deserving individuals.

These loans must comply with established Federal and State laws and CalHFA guidelines:

	Federal Income Limits Applicants must first fall into the following Federal Income Limits. These limits range from the total number of persons earning income within the household who are applying for the loan.
County	Non-Targeted Areas		(T) Targeted Areas*
Alameda	1-2 $100,000	3+ $117,000	1-2 $100,000	3+ $117,000
San Francisco	1-2 $127,988	3+ $147,186	1-2 $135,720	3+ $158,340
San Mateo	1-2 $127,968	3+ $147,186	1-2 $135,720	3+ $158,340
Santa Clara	1-2 $124,952	3+ $143,695	1-2 $127,320	3+ $148,540

	Sales Price Limits The home's sale price must fall within the limits stated below.
County	Newly Constructed Home	Home for Resale
Alameda	$585,699 - (T)$715,854	$670,183 - (T)$819,112
San Francisco	$585,699 - (T)$715,854	$670,183 - (T)$819,112
San Mateo	$585,699 - (T)None	$670,000 - (T) None
Santa Clara	$591,300 - (T)$722,700	$693,370 - (T)$847,453

*(T)Targeted Area: Census tracts in which 70% or more of the families have income which is 80% or less of the statewide median family income.

The limits above are starting requirements for the FTHB program from CalHFA. Contact us to learn about all the necessary requirements, explanation of terms, and how to start the application process.

Below is a list of documents that further describe sales and income limits, and all the target areas within California. Adobe Acrobat® reader required to view. Download it here.

CalHFA Sales Price Limits - Document which details the home's sale price limit by county in California.
CalHFA Income Limits - Document which details income limits by county in California.
CalHFA Target Areas - Document which details the target areas within California

You can own your own business location for as little as 3% down. Call us today to pursue your dream of owning your own business.

The following are just some examples of commercial property:
- Retail
- Restaurant
- Office Space
- Industrial
- Mixed Use
- Hotel / Lodging
- Warehouse / Storage
- Many Others

The following terms apply:
- 30 year loans
- Loan amounts from $100k to $1.5MM (inquire about amounts over $1.5MM)
- Long terms, no balloon payments
- No limit on cash out
- 40-year amortization option
- Up to 80% LTV / 97% CLTV O/O
- Purchase or refinance