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OUR SERVICES

Loan Programs and Products We Offer

FHA HOME LOAN

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA HOME LOAN

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

USDA HOME LOAN

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.

JUMBO LOAN

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.

REVERSE MORTGAGE

The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or

older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just

interest on what's left!

SHINING STAR HERO

The Shining Star Hero Program allows for homeownership for heroes in our community!

ABOUT OUR COMPANY

What We Do

We are a full-service mortgage company based in Saint Peters, MO. We specialize in All types of loan products, Conventional, FHA, VA, First Time Homebuyers, and USDA. Whether you are buying a home or refinancing we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.

Programs We Offer

In terms of Purchase Loan programs, we offer the following: FHA, VA, USDA, HomePath, Jumbo, Conventional, and Jumbo.

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs: FHA Streamline , FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC and Jumbo. What makes Axia Home Loans unique is that we offer the following niche programs as well: Non-QM Loan, Bank Statement, Jumbos.

CONTACT US

Feel free to text or call...

Cody Todt

NMLS# 499357

HEAR FROM OUR AWESOME CLIENTS...

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Cody is the best ever!!!

Cody went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Cody tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Cody, rest assured that all efforts would be exerted to make them a reality. Choosing Cody as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Cody to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!


Donald M.

Google Review

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Wholeheartedly recommend working with Cody!

Cody is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Cody expertly led us, helping navigate the complexities with ease. Even after the purchase, Cody's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Cody takes truly makes individuals feel well taken care of. Working with Cody is wholeheartedly recommended for an exceptional experience!

Leticia R.

Google Review

START THE PROCESS TO HOME OWNERSHIP

Fast & Easy Home Purchase Process

STEP 1

COMPLETE QUESTIONNARE

You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.

STEP 2

REVIEW YOUR HOME BUYING OPTIONS

We will discuss what your home buying desires are and determine the best program that will suite your needs.

STEP 3

PRE-APPROVAL

The pre-approval is an important step toward your home buying process.  It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report.  This document tells REALTORS® that you meet the basic requirements for a home loan.

START THE PROCESS TO HOME OWNERSHIP

Fast & Easy Home Purchase Process

STEP 1

COMPLETE QUESTIONNARE

You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.

STEP 2

REVIEW YOUR HOME BUYING OPTIONS

We will discuss what your home buying desires are and determine the best program that will suite your needs.

STEP 3

PRE-APPROVAL

The pre-approval is an important step toward your home buying process.  It focuses strictly on your basic factors. We will look at your paystubs, W-2's, bank statements, and credit report.  This document tells REALTORS® that you meet the basic requirements for a home loan.

Meet Cody

With over 10 years of lending experience I am confident I can provide my clients with the best solutions for their lending needs. I am familiar with not only mortgage lending, but other retail lending avenues as well. This gives me a unique perspective over my client’s financial well being. Whether it is a mortgage that works best for my client or another retail banking product, I will recommend the best course of action to ensure that their needs are being met. The relationships I build with my clients are of the utmost importance as I strive for 100% client satisfaction in every client interaction.

Cody Todt

Branch Sales Manager

Meet Cody

With over 10 years of lending experience I am confident I can provide my clients with the best solutions for their lending needs. I am familiar with not only mortgage lending, but other retail lending avenues as well. This gives me a unique perspective over my client’s financial well being. Whether it is a mortgage that works best for my client or another retail banking product, I will recommend the best course of action to ensure that their needs are being met. The relationships I build with my clients are of the utmost importance as I strive for 100% client satisfaction in every client interaction.

Cody Todt

Branch Sales Manager

Copyright © 2024 | Licensed In: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MI, MN, MO, NM, OH, OK, PA, SC, TN, TX, VA, WI | Company NMLS: 27830 | NMLS # 499357

Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.

Your Consent & Privacy: By providing your phone or email, you grant consent for Cody Todt to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.

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Copyright ©2023 | Licensed In: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MI, MN, MO, NM, OH, OK, PA, SC, TN, TX, VA, WI | Company NMLS: 27830 | NMLS # 499357

Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.

Your Consent & Privacy: By providing your phone or email, you grant consent for Cody Todt to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.