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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.
1 month ago

— 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.
1 year ago

— Zillow Reviewer who closed on a conventional 30-year fixed-rate refinance loan.

4.94 Stars • 17 Reviews

View all 17 reviews.

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Best Mortgage Refinance Companies in Fremont

An Experienced CA Mortgage Broker & Refinancing Company

The mortgage loan professionals at Axel Real Estate and Home Loans Inc. are committed to help you find the right mortgage for you. Every borrower is unique, as a trusted CA mortgage broker we provide personalized attention and a wide variety of mortgage solutions to meet your specific needs. We promise to make the home loan process or refinancing your existing mortgage simple and straightforward.


We are using industry's best tools to process the loans. Secure and paperless processing is safe and fast.


Before you shop for a home, let us Pre-Approve you at no cost to you. We never pull credit unless we have your permission.


We are here to help you through out the process. With 25 plus years experience in industry , from schools to location, just ask us.

Sharing is good, and with digital technology, sharing is easy

- Richard Stallman


Our Services

Our Strategy

Our name is trust in between you & us and we work hard for our brand. We will never break trust and this is our promise to you.

Mortgage Loans

Residential Mortgage Loans is our core business. With our expertise we can structure any loan for fast approval.

Real Estate

We raised our kids in Bay Area With our knowledge and experience, we can help you start a new successful life in Bay Area.

Free Consultation

We are here to answer any and all of your questions, you might have. Call us or complete our free consultant form.


Simply click on our short application and we will work with you to get you pre-qualified for the loan amount you need to buy a home.

Credit Repair

Need help in fixing your credit score? We have knowledge, tools and resources to achieve the credit score you need.

Work Environment

Thanks to technology that we have many options. We work from home office as well. Which means we are available even after hours.

Let's work


Timely close of escrow requires hand in hand work. The sooner requested documents/info is provided to us, the faster will be the speed of closing of your loan. 20 days close of transaction is no problem for us as long we receive documents on timely manner. Call us to find out more.


The team at Axel real estate and home loans went above and beyond to help me close on my mortgage refinance in 2 weeks. They were available 24/7 when I had questions or needed help completing things. I had a deadline of leaving the country, and they made things happen to help me refinance and get a lower interest rate for my mortgage. I recommend them highly without any reservation.
We worked with Huma Elahi, who was not only unbelievably patient with us but also came with an open mind. We were on the market for bare land and she helped us with a lot of legwork and investigations. In addition, her experienced advice made us feel we carefully thought things through so we could make informed decisions. She also got tough when we needed her to be and she totally stood for our best interest when communicating with the seller on our behalf.
Hands down for the quick, honest, straight forward service we received from Axel funding staff. They offered the best market rates for the loan and got things wrapped up pretty quickly. Their staff is professional, knowledgeable and very responsive. I would recommend their service to anyone who is looking for home laons. They do pretty good job in getting the best possible rates.


Work station & Infrastructure.

With the help of next-gen, hi tech software developed by Ellie Mae, our loan processing time is cut in half unlike our competitors.

Paperless secure process gives us the flexibility to avoid our client’s information sitting on desks unsecured or any where in the office.
At the same time, it gives you full control to simply upload your documents in electronic folders avoiding sending via emails.

Our fast pricing engine allows you to check rates on our website with simple 2 steps in few minutes. Our state of the art system search through more over 100 lenders to present you with the best rate available.This also give you the option to select a lower rate with cost or slightly higher rate with almost no cost. We keep our profit margins very low so you can get even better rate.

No gimmicks. No games. . Its all on our website and on your finger tips. Literally!!!

Property Value

Check how much your home is worth.

Simply click on our Home Value button to check the estimated value of your home. See what higher value can do for you.

Selling a home?

List with us for best service.

We will work with you to get the best price for your home. Home work before listing the home for sale is very important and we will give you the best advice.

25 Plus Years of Experience

We are committed to provide the excellent service to our client. Call is for free Consultant 408-350-7353

Want to work with us?