Certified Homebuyer Program

LET’S
GET YOU
STARTED

At Axia, we have found a way to add more value to the mortgage pre-approval process. Axia’s Certified Homebuyer Program provides comprehensive education as you get started on your homebuying journey. Each level of qualification leaves you more knowledgeable and better equipped when shopping for your home.

Start by submitting an online, in-person or over the phone application. Your loan advisor will walk you through what documentation is required.

UNDERSTANDING YOUR PURCHASE POWER

✓ Homebuyer Guidebook
✓ Preliminary Analysis

✓ Homebuyer Guidebook
✓ Preliminary Analysis
✓ Verified Analysis

✓ Homebuyer Guidebook
✓ Preliminary Analysis
✓ Verified Analysis
✓ Underwriting Analysis
✓ Excellent Closing Speed

What you need

Stated monthly income & debts
Property type
Stated credit scores
Stated down payment & purchase price

This Certificate provides a preliminary assessment of your loan eligibility based solely on the income, debt, and asset information you provided to us, as well as your credit score; changes to this information may change the terms of this Certificate. ¹

What you need

Documented income & assets
Property type
Credit report
Down payment & purchase price

This Certificate signifies that we have verified your income, asset, debt, and credit information and on this basis have pre-approved you for the home mortgage loan. Subject to additional terms and conditions. ¹

What you need

Verification of income & assets
Property type
Credit report
Down payment & purchase price
Approval by underwriting

This Certificate signifies that our Underwriting Department has conducted a thorough analysis of your creditworthiness and issued a full credit approval provided that your verified income, asset, debt, and credit information does not change. This credit approval may be applied towards the purchase of a specific property if property-specific requirements are met. ¹

¹This Certificate is not an offer or commitment for a loan.

Not all applicants will qualify. Certifications are based on applicant’s income, debt, asset, and credit information and their ability to repay the proposed loan. Closing speed characterizations refer to the time between a fully executed purchase and sale agreement and closing and are subject to delays caused by other parties. Certain restrictions apply; contact us for more detail

✓ Homebuyer Guidebook
✓ Preliminary Analysis

Pre-Qualification Details

Stated monthly income & debts
Property type
Stated credit scores
Stated down payment & purchase price

This Certificate provides a preliminary assessment of your loan eligibility based solely on the income, debt, and asset information you provided to us, as well as your credit score; changes to this information may change the terms of this Certificate. ¹

✓ Homebuyer Guidebook
✓ Preliminary Analysis
✓ Verified Analysis

Pre-Approval Details

Documented income & assets
Property type
Credit report
Down payment & purchase price

This Certificate signifies that we have verified your income, asset, debt, and credit information and on this basis have pre-approved you for the home mortgage loan. Subject to additional terms and conditions. ¹

✓ Homebuyer Guidebook
✓ Preliminary Analysis
✓ Verified Analysis
✓ Underwriting Analysis
✓ Excellent Closing Speed

Credit Approval Details

Verification of income & assets
Property type
Credit report
Down payment & purchase price
Approval by underwriting

This Certificate signifies that our Underwriting Department has conducted a thorough analysis of your creditworthiness and issued a full credit approval provided that your verified income, asset, debt, and credit information does not change. This credit approval may be applied towards the purchase of a specific property if property-specific requirements are met. ¹

OUR $10,000 GUARANTEE…

We stand by our approval so you can have a stronger offer. Axia guarantees we will close your loan as approved. The seller will receive $10,000 if the loan does not close based on the terms of the Certified Homebuyer Guarantee.*

*Restrictions apply. Contact Axia Home Loans for details.

LET’S GET YOU HOME

LET’S GET
YOU HOME