Compare Loans



Fixed Rate Loans

  • 1% Down - Receive up to a $5,000 down payment grant

  • 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.



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%.



USDA Rural Housing

  • 100% Loan: No down payment required

  • Allows low to moderate income families to obtain affordable loans to buy a home in eligible rural areas.

  • Income limits apply



1% Down with $5,000 Lender Grant

  • Receive up to a $5000 grant at closing towards the 3% down payment

  • Minimum 1% Down required from buyer

  • Ideal for 1st Time Home Buyers

  • 720+ credit score



3% Down Home Ready/Home Possible

  • Ideal for 1st Time Home Buyers

  • 3% Down required

  • Primary Residence

  • 620 credit score



Home Equity Lines

  • 2nd Mortgage Home Equity Line up to 90% of home value

  • Get cash out of existing home for down payment on a new home

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

  • Primary Residence or 2nd Home

  • 700 credit score



Jumbo Loans

  • 5% to 10% Down Available

  • No Mortgage Insurance (No PMI)

  • Loans up to $1.5 million

  • Low Rates

  • Available for all counties in Utah when loan amounts exceed $453,100

  • Salt Lake and Summit counties jumbo loan amounts start at $600,300



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 Loans

  • 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



1-Time Close Construction Loan

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

  • One closing saves $$ on closing costs

  • Borrow up to 95% of appraised value

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



Alternative Loans

  • Foreign National

  • H1B Visa buyer:

  • 1 Day out of Bankruptcy

  • Hard Money Investment Property



Fix and Flip Loan

  • No income verification required

  • Investment property only

  • Up to 1-year remodel terms

  • 15 business days to close



Condotel Loans

  • Primary Residence or 2nd Homes 20–30% Down

  • Investment/Rental 35-40% Down

  • Minimum 800 square feet

  • 1 separate bedroom required



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 LLC today!

START YOUR APPLICATION NOW!