Debbie Taylor of Axia Home Loans WA NMLS 91708

07/23/2024

When you apply for a home loan, you will be asked to list your current liabilities. Liabilities for a loan means money or debt that you owe that may be short-term or long-term including credit card balances, car loans, student loans, etc.

If you aren’t sure what type of liabilities to include on your mortgage application, be sure to work with your Axia Loan Originator.

Liabilities - Money or debt you owe that may be short-term or long-term including credit card balances, car loans, student loans, etc.

07/16/2024

Escrow accounts are designed to make life easier for homebuyers. The accounts are often managed by a neutral party and can help you manage the costs associated with homeownership such as property taxes and insurance.

If you have questions on escrow accounts or any common mortgage terms, please don’t hesitate to reach out.

Escrow accounts are designed to make like easier for homebuyers. The accounts are often managed by a neutral party and can help you manage the costs associat...

07/10/2024

When you apply for a home loan, you will be asked to list your current assets. An asset is anything you own that has a cash value. Common assets include cash, retirement accounts, stocks, real estate such as your current home or rental properties, and cryptocurrency.

If you aren’t sure what type of assets to include on your mortgage application, be sure to reach out to me!

06/27/2024

There are a lot of fun things to celebrate on June 27th, but the one we're most excited about? OUR 17th BIRTHDAY!

Cheers to 6,209 days of making homebuyers' dreams come true. Here's to many, many more!

06/20/2024

Hitting the beach this summer? With the Axia mobile app, you can enjoy the sun on your face, the sand between your toes, and stay up to date with your home loan application at the same time!

With the ability to submit information and sign documents on the go, you can rest easy knowing that even though you might be taking time to slow down, your loan process won't!

Download the app or reach out to me today and I'll send you an invitation!

06/06/2024

No need for special exceptions or higher rates and fees! Qualified homebuyers with a valid individual taxpayer identification number (ITIN) are eligible for Conventional financing with Axia Home Loans!

Restrictions apply. Contact me to learn more and to get prequalified today!

06/03/2024

June is National Homeownership Month!

I am so grateful for all of the clients and partners who have placed their trust in me, enabling me to pursue my shared mission with Axia Home Loans: to create sustainable homeownership through responsible lending.

I know the past couple years have been tough and some may feel like homeownership is out of reach. But don't lose hope! You may be closer to achieving your homeownership goals than you think. Reach out to me today and let me put my expertise to work for you!

Let's get you home.

05/30/2024

Empty nest?

If you've been waiting to downsize, now could be a great time. While the market is slowly picking up, inventory is still limited, meaning demand for your home could be high! I have great connections with local real estate agents and would be happy to make a referral.Or, if you're not quite ready to leave your nest yourself, I'd be happy to discuss ways you can make your equity work for you. Contact me today!

05/21/2024

As the inventory of existing homes remains tight, many homebuyers are pursuing new builds and we're here to help! We have experience working with builders and we offer a variety of financing solutions, including one-time-close products, to help make your homeownership dreams come true!

Contact me today to learn more!

05/16/2024

If you're a homeowner, there's a good chance you've built some equity. According to data from CoreLogic, the average borrower had $298,000 in equity at the end of 2023 - $24,000 of that gained in 2023 alone.

You may be able to access your equity without losing the lower interest rate on your first mortgage with a HELOAN or a HELOC. Check out our blog post to learn more about these options, and contact an Axia Loan Originator to find out which solution is best for you!

https://axiahomeloans.com/2023/12/05/what-is-the-difference-between-a-heloc-and-a-heloan/

05/09/2024

When you refinance, you are essentially replacing an existing loan with new loan under a new term and interest rate.

While people often opt to refinance to secure a lower interest rate or reduce their monthly payments, there other reasons, too! For instance a homeowner may want to switch from a 30-year to a 15-year loan, eliminate mortgage insurance, or convert an ARM to a fixed-rate loan. Or they might choose a cash-out refinance to access the equity they've built.

Want to learn more? Reach out to me today!

Replacement of an existing debt obligation (such as a home loan) with another debt obligation under a different term and interest rate.