Our Story

Why we started it?

Axel Real Estate and Home loans is a family based business run by husband and wife team. Our Profit margins are so slim that no other Agents can afford to beat. My husband Rizwan (Rizzi) Elahi has 30 years of mortgage processing and underwriting experience. He structures the hardest loan files for successful and on time close of escrow .

 As a mortgage broker, AXEL has developed relationships with some of the strongest mortgage lenders in the country. In addition to our in-house Processing, these relationships allow AXEL to offer a complete range of loan programs and pricing to satisfy the needs of any mortgage consumer. Loan programs include conventional, government, and non-conforming products using fixed-rate and various adjustable-rate mortgages.

From origination through closing, Axel Real Estate and Home Loans employs an experienced staff, whose sole function is to assure customer satisfaction. This staff includes an in-house Underwriter to provide timely decisions on your loans. Our staff’s commitment to this industry is supported by continued training and investing in the latest technology.

We at Axel Real Estate and Home Loans would appreciate the opportunity to serve you. With our competitive programs, experienced staff and aggressive pricing, we are sure you will be satisfied. We look forward to working with you soon.

Who We Are?

Zilehuma Elahi (Huma)
State License Number: 02007515
NMLS Loan Originator ID:390989
Axel Real Estate and Home Loans Inc. – NMLS#: 1672710


Rizwan Elahi (Rizzi)
Business Development Manager / Senior Loan Processor. 

Cell: 510-825-0898

Email: rizzi@axelfunding.com



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.