Loan Application

Before You Apply: Please Read
If you have any questions, feel free to contact us. We’re here to support your real estate financing needs every step of the way.

Pre Qualification or Pre-Approval.

Pre-Qualification

  1. To get started, please submit a full loan application and provide the supporting documents listed. You do not need to provide a property address if you’re only seeking pre-qualification.

    We use a soft-pull credit report for pre-qualification purposes, which protects your credit score.

  2. If you’re confident that your credit report does not contain any negative records—such as bankruptcy, foreclosure, short sale, recent defaults, or collections—you may also use a free soft-pull report from annualcreditreport.com
  3. Please submit a full loan application.  Upload support documents as well.

Pre-Approval (Underwriting Approval)

If you need an official underwriting approval letter, we require a hard-pull credit report.
This report comes with a fee charged by the credit vendor—AAXY Mortgage does not charge any additional fees.

A hard-pull report allows us to issue a more confident and reliable underwriting approval.

To proceed, please contact us for payment instructions. We accept Zelle, Venmo, or PayPal.

If you need an official Loan Estimate and standard disclosures.

  1. Please fill online loan application as much as possible, try to fill as many information as possible.
    • Your Name
    • Your Income
    • Your Social Security number
    • the property address
    • an estimate of the value of the property, and.
    • the desired loan amount.
    • and pay a fee for a credit report. 
    • Notice us after you did above. You can notice to the loan originator if you already have one in contact or contact James (Xiaomin James Wu) by sending him a TEXT message to (512) 785-3841 or call this number. If no answer for any reason, please leave a voice message. 
  • To ensure we can provide fast and accurate service, we recommend completing the loan application as thoroughly as possible. Please answer all questions to the best of your ability.
    If you’re unsure about any item, feel free to leave it blank—we’ll follow up with you to clarify. You’re also welcome to contact us directly with any questions. We’re here to help you every step of the way.

If you’ve already signed a purchase contract and want to begin loan processing immediately to ensure an on-time closing, please follow these steps:
1. Submit Your Online Loan Application. Complete the application form as thoroughly as possible.
2. Prepare Your Supporting Documents. Use [this checklist/link] to gather the required documents.
3. Upload All Documents. Upload your documents directly through the application portal. Or contact us to send the documents to us with another safe methode. 
4. Pay the Credit Report Fee. This fee is charged by the credit vendor—AAXY Mortgage does not add any extra charges.
5. Notify Us When You’re Done
If you have any question, please contact us.