What would you like to do?

How will this property be used?

Please estimate the value of the property


What is the remaining mortgage balance?


Is this your first home?

When will your purchase be?

Are you working with a real estate agent?

What kind of home are you looking for?

How will you use your new home?

What do you plan to spend on your new home?


Do you have a co-borrower?

How much do you have for a down payment?


What is your annual income?


What are your monthly debts?


Are you self-employed?

Estimate your credit score

Have you or a spouse served in the military?

Have you or a co-borrower had a bankruptcy, foreclosure, or short sale in the past 7 years?

What is your name?

What is your email address?

What is your phone number?

What is your zip code?

Thank you!

Cheryl Holmes

Branch Manager | CA-DBO 229161

My goal is to get you home. Plain and simple. Let’s work together!

Set Up ConsultationStart Home Loan Process

Our goal is simple — to give people the chance to own their own homes. At Axia, we understand the pride that comes with ownership because our company is employee-owned. You might say that ownership is in our DNA.

As an Axia Home Loans Loan Originator, my aim is to fulfill your real estate goals, whether you want to refinance a home you already own or purchase a new one. I am here to provide you with detailed options and sound recommendations so you can make informed choices that best fit your mortgage financing needs. I would love to learn more about your situation and see how Axia Home Loans can help. When you are ready to begin the mortgage lending process, I will be with you every step of the way to make sure your home loan closes quickly and smoothly. When you’re making a decision as important as buying a home, you need a guide who will put you first. Contact me today and let me show you the Axia difference.

Working With Axia

With our Credit Optimizer, you can improve your credit score in days. It’s simple, quick and FREE!

Our Payment Calculator will help you easily understand what you can afford right now.

This eBook shows you step by step how to get a loan. Whether you are buying new home for the very first time or financing an investment property, this eBook will walk you through the process.

Looking for a low monthly payment? A low down payment? Down payment assistance? Let us help you find the right program for your individual needs.

Here’s where you’ll find industry updates, more information about the home loan process, and even some helpful tips on what to look for when you’re searching for that perfect home.

Before you begin looking for a home, let us see how much home you can afford. Apply now for a pre-approval. You’ll know your buying power before you start your search.

Susanville Branch

2940 Riverside Dr, Suite C
Susanville, CA 96130

P: 530-252-1533
M: 530-260-0639

What's stopping you?

Axia is equipped to provide just about any homebuyer with dynamic solutions to these questions:


Don't let poor credit stop you from finding your dream home. It's important to understand what impacts your credit, and develop an action plan to improve it. Signing up for Axia's Credit Optimizer program will make you more competitive in the housing market, strengthening your purchase power! Plus it's FREE for 6 months! Get on a path to better credit today!


No problem! The Axia App allows you to scan and send documents securely from any smart . Not to mention that you can also track you loan progress, calculate payments, follow market news and keep in touch with your Axia Mortgage Advisor. Download the app today!


The best loan experience begins with a complete understanding of the process. Our free homebuyer ebook will take you step by step through this journey so you feel as comfortable as possible heading to the closing table.


Understand the pre-approval process and how to gain the most leverage in this competitive market with our Certified Homebuyer Program


With custom loan solutions that fit just about any financial situation, you can rest assured there is a loan for you at Axia! Check out our wide array of loan options.


Play around with our interactive calculator and find a loan option that works for your budget!

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DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your financial and/or tax advisor.

thumb_01_120_120“My experience with Axia Home Loans couldn’t have been more perfect! The staff’s professionalism and knowledge is why I would recommend Axia to any future home buyer.”

thumb_01_120_120“My experience with Axia Home Loans couldn’t have been more perfect! The staff’s professionalism and knowledge is why I would recommend Axia to any future home buyer.”

Ready to be home?

Axia Home Loans

Cheryl Holmes | CA-DBO 229161 | State Licenses: CA-DOC229161 48529
Susanville Branch: 2940 Riverside Dr, Suite C, Susanville, CA 96130
Axia Home Loans Corporate: 1120 112th Ave NE, Suite 600, Bellevue, WA 98004 - NMLS #27830 (WA-CL-27830)

© 2007 - 2016 Axia Home Loans. All rights reserved. Axia Home Loans is a registered trade name of Axia Financial, LLC.