2012

  • Home Maintenance

    Posted December 19, 2012 By in Mortgage Education With | No Comments Home Maintenance

    Home ownership is a big responsibility, but a little effort can reduce the stress associated with it. Keeping up with home maintenance can help you reduce the necessity for costly repairs. Keeping everything in working order will help your home run more efficiently and help you save money on energy costs.

    You should always keep the outside of your home looking nice and working properly. This not only increases the curb appeal of your home, but also keeps problems from cropping up on the inside. Make sure the roof is in good condition with no worn or curling sections. Scrape and sand any flaking paint on the outer walls and repaint to protect the material underneath. Make sure windows and doors are weather proof to keep energy costs down. Keep up with landscaping to add to curb appeal and to avoid a major overhaul later on. Continue reading “Home Maintenance” »

  • Benefits of Home Ownership

    Posted December 5, 2012 By in Mortgage Education With | No Comments Benefits of Home Ownership

    Thinking about taking the home ownership plunge? The decision to buy a home can be a nerve-wracking one, but it can really pay off in the end. When you find the right home for your situation, the advantages of home ownership far outweigh any concerns. Some benefits of home ownership include:

    • Tax Deductions. Homeownership can save you some money at tax time. Both property taxes and the interest on your mortgage are fully deductible from your taxable income. When your mortgage is new and the majority of your payments consist of interest, this can give you a pretty big tax break. In addition, some portion of your closing costs may be deductible. Continue reading “Benefits of Home Ownership” »
  • Share the Dream Contest Winner Announced

    Posted November 20, 2012 By in News With | No Comments Share the Dream Contest Winner Announced

    Congratulations to the Noyes family! This morning, Axiom and KSL surprised Carol Noyes and her family to tell them they won our Share the Dream Contest. We are very grateful to have this opportunity to partner with Scott Haws and KSL to help change someone’s life. There is not a more deserving family than the Noyes to win a free mortgage for a year. Yesterday Axiom and KSL drew a name at random to be the winner and this gift could not have come at a more perfect time because Carol’s husband was diagnosed with a brain tumor just 2 months ago. Congratulations again, we wish you the very best. Thank you to all who entered and to KSL for helping Axiom Financial give back to the community. Watch the video below for coverage of the announcement. From the entire Axiom family, we wish everyone a wonderful Thanksgiving.

  • Get to Know Who Axiom Is

    Posted November 16, 2012 By in News With | No Comments Get to Know Who Axiom Is

    Get an inside look at who we are and what we stand for here in our Axiom “family.” KSL featured Axiom and talked to our management team about what it’s like to work here and what we do for our clients. Take a look and get to know us a little better and while you’re at it, don’t forget to enter to win mortgage payments for a year in our Share the Dream contest. Time is running out to enter!

  • Our Jeff England Talks to KSL

    Posted November 6, 2012 By in News With | No Comments Our Jeff England Talks to KSL

    Axiom’s Jeff England, a Mortgage Consultant and manager from our Tooele Office, was featured on KSL to talk about getting a mortgage or refinancing your current mortgage. Watch the video below to find out more. Also, find out more about our Share the Dream giveaway to enter to win your mortgage paid for a year! Click here to enter the contest.

  • Axiom Spotlighted on Studio 5

    Posted October 23, 2012 By in News With | 1 Comment Axiom Spotlighted on Studio 5

    Want to trim your family’s monthly budget? Consider refinancing your home. Our Jennifer Jones was featured on Studio 5 with Brooke Walker to talk about this very thing. We’re seeing the lowest interest rates since long-term mortgages began in the 1950s.

    Talk to one of our experienced Axiom Mortgage Consultants to see what today’s rates are compared to what you currently pay. It may make sense for you to refinance and save some money on your mortgage each month. We provide the personalized care you are looking for and you can trust that our mortgage consultants will be there for you both during and after your loan process. Call us at 888-656-LEND or apply online by clicking here.

    You can watch the Studio 5 segment below or click here to view and read about it on the Studio 5 website.

     

  • Understanding Mortgage Payments

    Posted October 18, 2012 By in Mortgage Education With | No Comments Understanding Mortgage Payments

    A mortgage is a long-term loan given by a bank or other lender to help the borrower purchase a house. The lender gives the borrower the money needed to buy the house and the borrower makes monthly payments to pay the lender back. These monthly payments cover the amount of the loan (the principal) as well as interest and other fees.

    In a fixed-rate mortgage, the interest rate and the monthly payment will remain the same for the life of the loan. In an adjustable rate mortgage, the interest rate will fluctuate based on market forces and this can cause the monthly payment to change. Regardless of the type of mortgage, the monthly payment is largely determined by the length of the loan (term), the amount (principal), and the interest rate.

    Loan Term
    The most common term for mortgages is 30 years. However, 15-year mortgages are also popular because they allow the borrower to pay off the mortgage quicker. A longer loan will result in lower monthly payments, but will also result in more interest being paid over the life of the loan. Continue reading “Understanding Mortgage Payments” »

  • Axiom Named to Utah 100

    Posted October 12, 2012 By in News With | No Comments Axiom Named to Utah 100

    Axiom Financial Named to “Utah Top 100″ List for Seventh Year

    Axiom Financial was named one of Utah’s 100 Fastest Growth Companies as ranked by MountainWest Capital Network. The Utah 100 program annually recognizes the 100 fastest growing, the Top 15 Revenue Growth, and the 15 Emerging Elite companies throughout the state. This is the seventh time Axiom has received this recognition.

    “We are thrilled to be honored with this award and see it as a confirmation that our commitment to responsible lending can lead to success,” President and CEO Melissa Wright said. “We take pride in our reputation for integrity, quality and service.”

    MountainWest Capital Network’s Utah 100 rankings are determined from thousands of eligible companies throughout the state representing all industries. The rankings are determined by Continue reading “Axiom Named to Utah 100” »

  • History of Mortgages

    Posted October 7, 2012 By in Mortgage Education With | No Comments History of Mortgages

    In the 1800s and early 1900s, less than half of American families owned their own homes. Those who did own their home had bought or built it by saving money over many years or even decades. There were few opportunities to get a home loan.

    In the 1930s, insurance companies began financing mortgages. Most mortgages during this time were for 3-5 years and financed only 40-50% of the home’s cost. They were generally balloon loans where the monthly payments covered only the interest and the full balance of the loan amount (the principal) was due at the end of the loan.

    During the Great Depression, many banks crashed and were forced to recall many mortgages because they needed the money to pay other obligations. At the same time, many individuals had lost their jobs and were no longer able to make their mortgage payments. Many homes were foreclosed and the housing market suffered greatly. Continue reading “History of Mortgages” »

  • Good Things Utah Spotlights Axiom Financial

    Posted September 20, 2012 By in News With | No Comments Good Things Utah Spotlights Axiom Financial

    Is refinancing right for you? Our own Jeff England talks with Nicea and Brianne from Good Things Utah about refinancing and if it is right for you. Everyone is always looking to save a couple extra dollars and if you qualify refinancing is a quick way to do so. Interest rates are at historic lows and refinancing could be a smart option for you. You can watch the Good Things Utah segment below or click here to read about it on the ABC4 website. Interested to see if refinancing would make sense for you? Call us at 888-656-LEND or apply online by clicking here.

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Equal Housing Lender

Axiom Financial, LLC, a subsidiary of PHH Home Loans, 9350 South 150 East, Sandy, UT 84070. NMLS ID #4642 (www.nmlsconsumeraccess.org) Arizona Residential Mortgage Licensee #BK 0918798.