Products

AAXY Mortgage offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry. We have a full line of loan products including conforming, jumbo, FHA, VA,  and loans for investors. Please contact us for your questions, and we will find the best loan products for you. All consultation, rate quote and pre-approval are free.

10. 15, 20, 30 year fixed rate conventional, conforming.
This group of loan products comes with most competitive pricing (rate, closing cost). The recommended down payment for primary home or 2nd home is 20% and for investment properties is 25%. We do offer loans in this group with 3% minimum down payment for primary home and 15% down payment for investment purpose. The credit requirement is 620 or above. If you have 740 or higher credit you will get the best rate. Other conditions that can help you get a better rate is credit history, work history, debt to income ratio documented stable income, and enough documented assets. Property still needs to meet certain requirements. AAXY Mortgage works as a direct lender for this group of loan products. The max loan amount at this time is $424100 for single family house. multi units like duplex or 4-plex can get higher loan amount limit.

Term: 30 years Maximum Amount: $424,100

3/1, 5/1, 7/1, 10/1 adjustable rate conventional, conforming loans.
This group of loan products comes with most competitive pricing (rate, closing cost). The recommended down payment for primary home or 2nd home is 20% and for investment properties is 25%. Even we do offer loans in this group with 3% minimum down payment for primary home and 15% down payment for investment purpose. The credit requirement is 620 or above. If you have 740 or higher credit you will get the best rate. Other condition help you to get better rate is credit history, work history, debt to income ratio documented stable income, enough documented assets. The property need meet certain requirements. AAXY Mortgage works as a direct lender for this group of loan products. The max loan amount at this time is $424100 for single family house. multi units like duplex or 4-plex can get higher loan amount limit. Usually rate adjust one per year based on Labor index.
Maximum Amount: $424,100

>15, 30 year fixed rate conventional, jumbo loans.
This group of loan products comes with competitive pricing (rate, closing cost). For loan amount over conforming amount (currently $424100 for a Texas single family house). The credit requirement is 680. If you have 800 or higher credit you will get the best rate. Other condition help you to get better rate is credit history, work history, debt to income ratio documented stable income, enough documented assets. The property need meet certain requirements. AAXY Mortgage works as a direct lender for this group of loan products. The max loan amount at this time is $3,000,000 for a single family house.

Term: 30 years Maximum Amount: $3,000,000

5/1, 7/1 adjustable rate conventional, jumno loans.
This group of loan products comes with competitive pricing (rate, closing cost). For loan amount over conforming amount (currently $424100 for a Texas single family house). The credit requirement is 680. If you have 800 or higher credit you will get the best rate. Other condition help you to get better rate is credit history, work history, debt to income ratio documented stable income, enough documented assets. The property need meet certain requirements. AAXY Mortgage works as a direct lender for this group of loan products. The max loan amount at this time is $3,000,000 for a single family house. Most arm rates will change based on Libor index

Term: 30 years Maximum Amount: $3,000,000

15, 30 year fixed rate FHA loans.
FHA loans are loan products with limited credit and down payment. The down payment can be 3.5% and some closing cost can be added to the loan. It is easier to be approved compare with conventional loans. Borrowers must pay FHA mortgage insurance. Max loan amount is published by HUD and may change. IN most Texas counties it is around $300000. We also provide arm rate FHA loans. Currently we offer this group products in our broker products. WE help borrowers find best lenders.

Term: 30 years Maximum Amount: $300,000

Fixed rate or arm rate VA loan products.
This group of loans are specifically for retired and active duty army members. There are no down payment requirement and mortgage insurance required. If you qualify, this is definitely the best loan products for you. Requirement is required. Both fixed rate or adjustable rate loans available. Max loan amount is mostly based on your qualification.

Loans for people not able to qualify from above loan products.
This group of loan products are for people normally not able to get a loan from above loan products. Examples are non US citizen or resident, limited income document, property not able to qualify (bad condition property). Please contact us to see if we can help you to get a loan for your real estate need.

All loan applications are subject underwriting approval. AAXY Mortgage (a dba of AAXY LLC) is a equal housing lender and broker.