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| Program | Option | Rate | APR | Lender Fees | Discount Points | Lender Credit |
|---|---|---|---|---|---|---|
| 30-Year Fixed | Zero Points | 5.875% | 5.887% | $1275 | 0 | $0 |
| Rebate | 6.00% | 6.00% | $0.00 | 0 | $2500 | |
| Zero Cost | 6.125%% | 6.125% | $107 | 0 | $5000 | |
| 15-Year Fixed | Zero Points | 5.5% | 5.5% | $0.00 | 0 | $0.00 |
| Rebate | 5.75% | 5.753% | $174 | 0 | $2500 | |
| No Cost | 5.875% | 5.878% | $174 | 0 | $5000 |
Rates updated: November 24, 2025 9:26 PM PST
Click here to see the scenario for this rate →The team at Axel found us great rates, were fast with appraisal, document prep and always ready to jump on the phone to clarify any questions. This was our first time refinancing and their speed and responsiveness was very reassuring. I would highly recommend their services!
— Zillow Reviewer who closed on a conventional refinance loan.
I highly recommend Axel Real Estate and Home Loans Inc. because of their competitive rates, continuous updates, and streamlined process. I have worked with them numerous times. I have always been a happy customer in the end. They provide multiple lending options and discuss their pros/cons before locking in the final rate.
— Zillow Reviewer who closed on a conventional 30-year fixed-rate purchase loan.
We choose Axel Real Estate & Home Loans for re-financing, and I am very pleased by their service, the customer representatives were great and they were on top of it and always kept us in the loop. I highly recommend their service for any new or refinancing needs.
— Zillow Reviewer who closed on a conventional 30-year fixed-rate refinance loan.
Buying our first home mortgage dealing always looked complex, but Axel Homes made it feel like breeze. Most competitive rates, swift actions, regular status updates made our mortgage dealing a enjoyable one. Crystal clear communication & documentation made loan process smooth with minimum back and forth. Have mentally signed up with them for all future mortgage needs.
— Zillow Reviewer who closed on a purchase loan.
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