Learn how collections affect mortgage approval, whether you need to pay them off, and what options exist for home buyers with unpaid collections.
NMLS: 229161
2940 Riverside Drive, Suite C
Susanville, California 96130
State Licensing Information:
CA-DOC229161, ID-MLO-21827, NV-48529, OR-229161
Premier Mortgage Resources Blog
How Long Does Mortgage Preapproval Last?
Mortgage preapproval typically lasts 60–90 days. Understand what happens when it expires, how to renew it, and when to apply for yours.
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Credit Repair Guide
Many people who consider buying a home for the first time often ponder these questions before they start the process. With all of the questions that arise, usually, the biggest concern is whether they can afford a down payment on a new home.
Down Payment Assistance Guide
If you’ve always dreamt of owning a home, our First-Time Buyers Guide will turn that vision into reality. We’ll guide you through each step, making your dream achievable.
Cheryl did an outstanding job assisting us with the purchase of our new home. Cheryl was very involved in all aspects of closing and was with us every step of the way. She was very friendly, responsive, regularly checked in, and always gave us great advice.
Absolutely without a doubt them the knowledge is unbelievable she is a smart young lady does her job very well whatever you're paying her she needs about twice as much more she was very clear about the paperwork very clear about what was happening if I ever buy a house again if she's still there I'm exactly that's exactly where I'm going and when I go to refinance I'm going through her again she was a sweetheart beyond belief those are job I give 10 👍
Cheryl and her team were incredible to work with! I think they broke some kind of record closing our deal in only 15 days! The kindness and patience Cheryl showed us is what make her a great lender, but more than that a great friend! I highly recommend Cheryl and her whole team!
I have used Cheryl with several home loans, home equity line of credit etc and she has always provided me with excellent service that goes above and beyond. Lassen Co is a smaller community and she makes sure she knows each and every one of her customers needs and she meets them. Thank you Cheryl for everything you have done for our community and for me, you are greatly appreciated and loved Rocky Hall
Cheryl was professional and kept me informed of the progress on my loan the whole way through. She is an absolute pleasure to work with!
Thank you for all your help.
Cheryl is amazing to work with. She brings a lot of experience and really makes the process easy!
Cheryl Holmes is so knowledgeable and communicated with us every step of the way! She is so friendly and really cares about her clients. I felt so comfortable with her and I knew I could reach out any time with questions or concerns. She is simply the best!
We were kept well informed about everything and the service was amazing
I represented the buyer on this transaction, a lot of files can have their bumps in them, but this one was super easy, Cheryl communicated each step of the way! We were able to close a little bit early too.
We have done all our business with Cheryl Holmes and always will. She is a pleasure to work with and she is very easy and fun to work with. She is readily available all the time. She is a valued friend as well.
Cheryl is extremely friendly, comforting and her communication is a+.
The most easiest transition of buying my home with the best team I have ever encountered was most definitely a joyful experience ever!
Thank you so much……
Cheryl was so helpful and kind! Very responsive and thorough.
Willing to work with you to get you approved for a loan and answers all questions you may have in a timely fashion. Walked me through every step and made sure all questions were answered
Very professional and friendly. Cheryl made us feel very comfortable and confident about the transaction and the process was completed VERY quickly. Would highly recommend Cheryl Holmes.
Cheryl always goes above and beyond to answer questions, she’s always friendly and nice to talk with, she even works after hours to get paperwork done
When we started the home buying process we had already started out with a different company and they were horrible! And Cheryl Holmes was unbelievably helpful, informative, patient and we will never use another Lender! When others wouldn't lift a finger to help us or give us the time of day, Cheryl showed us the right way and gave us options others failed to provide. Cheryl at Axia Mortgage is our new go to, today and tomorrow. Thank you for standing up for us and our corner and showing us not all Lenders are the same!
This was a wonderful experience the smoothest transaction I have ever experienced, there is so much professionalism and compassion involved, she truly makes dream com true.
All processes followed and closed on time.
Cheryl was so attentive and helpful. Whenever I needed any type of help, she was just a phone call away and responded as quickly as she could. She made me feel comfortable throughout the entire process and I could not have asked for a better partner.
Cheryl is the best.
Cheryl Holmes went above and beyond helping, and providing quality service for me. I’m over the moon happy with my experience working along side her and the Axia team.
This experience was great because Cheryl Holmes is wonderful. She was always communicating every step of the way, a truly amazing and caring human being.
Thank you!!!!
We closed within the deadline.
We were first time homebuyers and had no idea what we were doing. Cheryl was amazing throughout the whole process. She was informative, attentive, patient and just amazing. We thought that once we closed on our home that would be the end of our communication but Cheryl is still helping us and checking in. We are very grateful to have met such an extraordinary person and definitely will recommend Axia to future home buyers!
Customer service n time was great. Cheryl is very kind and helpful.
Cheryl was amazing! The communication through the whole process was great. Any questions we had were answered right away even after normal business hours. I can't say enough about how this was the easiest home buying process I have ever been had. Will recommend Cheryl to all of my friends and family!
Perfect in every way. Made our dream come true. 🧡. No question was too small, helped and guided us through our home buying journey.
Very timely.
Superior service, worked hard to get us the best deal and got us locked into a great interest rate as rates were climbing daily. Cheryls communication with us made the mortgage process easy and she was quick to respond if we had questions or concerns about anything! I HIGHLY recommend Cheryl and Axia Home Loans!
Thanks Cheryl! I really appreciate your help! You're the best!
Cheryl was wonderful every thing was done in a timely manner
Cheryl is amazing!
Cheryl is the best. She keeps you up to date answers any and all questions. I have been using Cheryl since 1998.
Cheryl's communication was fantastic and her enthusiasm made this experience a good one. Buying a house is a big decision and it can be stressful. Cheryl was a calm presence and it was a pleasure to do business with her.
Willingness to answer all question and guide you through each process and working with you to get you approved and the keys
Great experience!
The experience was mad great by the kindness and communication felt heard.
Cheryl was very receptive to my desire to keep my monthly payment as low as possible even though I qualified for much more. She offered a great loan that fit the bill! I appreciate her knowledge, expertise and her friendly manner.
Cheryl made my first home purchase so easy! She was easy to communicate with and kept me in the loop at every step. The process for uploading documents was straightforward. I'm so grateful that I was able to work with her.
The entire process was great and Cheryl was on top of everything. I didn’t have to worry at all!
Cheryl Holmes
Cheryl and the staff are always there to help.
………..
We had a great experience!
Cheryl was very attentive and helpful. The process was easy and she had an answer for all of our questions.
Cheryl did an amazing job, I would recommend her services to anyone. She made it a smooth and easy process!
Cheryl was quick to answer any questions we had. She also made our tight closing deadline. She is great to work with.
Thank you so much for everything! Especially taking the time to communicate while you were on vacation. It meant the absolute world to me.
Better information in a more timely fashion
We had a lot of unforeseen circumstances happen during the loan process and Cheryl always kept us in the loop with what was going on. She was always professional and answered every question we had no matter how silly I thought it was.
We had a tough transaction but Cheryl came through for the win!!! She is always there to help any way she can!!!
Cheryl was so sweet and truly cared about us. She made one of the biggest decisions of our lives such a breeze. She really went above and beyond for us to get the best outcome for our family. We couldn't be more happy with our experience with Axia and especially with Cheryl.
I have worked with Cheryl several times. She is professional, knowledgeable and always keeps me up to date on what is happening in the process. I will definitely be working with her in the future!
Great communication and everything was done timely. Always a great attitude and a friendly smile!
Cheryl made my first home purchase so easy! She was easy to communicate with and kept me in the loop at every step. I'm so grateful that I was able to work with her.
Prompt response & good customer service
We were treated like family.
Cheryl is awesome at her job and fun to be around couldn't ask for a better experience from a great company and very well organized as a team to help people get the best rate and fast turnaround on home loans thank you everyone at AXIA Home loans
Thanks for everything Cheryl, you went above and beyond to ensure we closed on time! Excellent work.
Cheryl was amazing! She was there to answer every question that we had as first time home buyers. She made sure that we were well informed into how everything was going. Would recommend to family and friends always.
Fabulous confidence!!! Felt like everyone involved in this transaction was in great hands and the communication was great and timely. Never had to worry ever
I loved working with Cheryl. She is super nice and a hard worker.
Quick service
Cheryl helped us purchase our first home and again for this new one. She is very knowledgeable and clear about what she needs from her clients. We had a short escrow and she worked with us to (almost) make the original deadline which was amazing in our current world. She is great. I would come back to her should be need another home loan.
Cheryl was in constant contact letting me know where we were in the loan process every step of the way.
Cheryl responded right away to any questions I had.
I highly recommend Cheryl for all your loan needs. Very responsive and always great to work with.
Cheryl was patient and helpful in guiding us along the path to get our new home!
My wife and I were looking for a better housing situation, and Cheryl gave us advice for steps we needed to take, and how to get to where we needed to be for a house.
Cheryl Holmes was great! She was very knowledgeable, and found the best loan program for me. I would totally recommend anyone to her. Cheryl keeps you in the loop all the way to the completion of the loan experience.
Communication was great !
Cheryl was a great help, she was extremely knowledgeable she communicated with me about everything, she actually made the experience smooth and easy! I really do appreciate her and Kerri for all they did to assist me! Thank you ladies you guys are both extremely appreciated!
Simplifying the home buying experience and over all upfront and trustworthy
Cheryl Homes went the extra mile for me. My case/loan was very complicated with a lot of twists and turns. Cheryl was very knowledgeable and very tentive to my needs and concerns all the way to the end.
Cheryl was very helpful every step of the way and very easy to work with.
Just took a long time.
She listened and has the heart of a teacher
Cheryl is helpful and knowledgeable. She was available when ever I needed her help or handholding.
Cheryl Holmes
Friendly service, and great communication!
Thank you!!
The attention to detail.
Cheryl Holmes explained the process from start to finish and was a joy to work with.
Thanks for the great service.
Cheryl is a fantastic lender! Always available for questions and very prompt! Thanks Cheryl!
Cheryl is delightful, knowledgeable and professional. It was an easy transaction due to her competency and friendly personality.
Cheryl is so wonderful to work with. She is very kind, welcoming and is patient to answer all questions.
Cheryl was there to answer all my questions about what turned out to be a very complicated transaction. Thank you so much Cheryl! Cheryl very knowledgeable and helpful.
Cheryl and her team are amazing, helpful and always take care of us! I have used someone else in the past and absolutely hated the experience, I will never again use anyone other than Cheryl and her team! There trustworthy and handle business, thank you for everything you guys do for us!Rob
This was our second mortgage with Cheryl. Our situation is complicated because we are self employed. Cheryl managed to get everything done in a very busy period with a short window to close. Communication is always great and loan was closed on time with a great rate and fees as promised. Couldn’t ask for a better experience.
Cheryl made my first home purchase so easy! She was easy to communicate with and kept me in the loop at every step. The process for uploading documents was straightforward. I'm so grateful that I was able to work with her.
Cheryl made the process nice and easy! With her knowledge of programs available for our situation and her ability to have a positive outlook on everything that came her way, she made us very comfortable and at ease. Me and my family are super grateful to have her on our team!
Axia home loans in Susanville California is one of the best loan Companies I've delt with, I have bought and sold several properties thru out my life and it can be stressful if you have and inexperienced loan officer. Cheryl Holmes made everything easy, pleasant and I value her friendship with all my heart. Thank you Cheryl for walking thru this difficult time with me. Roxanna Hall
Very professional and friendly. Cheryl made us feel very comfortable and confident about the transaction and the process was completed VERY quickly. Would highly recommend Cheryl Holmes.
We love Cheryl! She has always been helpful, knowledgeable, and supportive. We have used her 3 times and will continue to use her for any future financing needs.
Another closing in the books and looking forward to all the ones to come.
Cheryl is the best!
Cheryl was very helpful, responsive and honest throughout the whole process. I have completed several real estate loan transactions and the experience with Cheryl was by far the best. I will most definitely be using Cheryl for all of my real estate loan needs. She is amazing.
Seamless transaction
Local and professional
Cheryl was always ready to bring us in and sit down with to make sure everything we were doing and being asked to do was explained as clear as crystal!! And she was also very patient with us, which you don’t find very often in stressful situations like this and especially with a 1 yr old running around. Couldn’t have asked for a great person to help get us a loan and help get us in our new home!! Definitely referred my family and friends to her! Thank you so much Cheryl! God bless you! 🙂
Cheryl is amazing at her job. She was always in communication with me every step of the way and always had answers for any questions I had. Cheryl is so personable that it made the whole process comfortable and very easy to understand. It's hard to find someone that makes you feel like your the only person they are helping along the way and Cheryl gives you that experience. I would recommend her one hundred times over to anyone that is looking to buy a home.
She will work with you, with any problem that may come your way in purchasing a home. Very reliable, you can count on her through the whole process of purchasing your new home.
Cheryl is amazing. I can't imagine doing this with anyone else.
I have never done this before. This was scary and Cheryl made it greât for me as she was always willing to explain things to me. It wasn't always understood as I had to keep asking but that's on me not on her. It was so wonderful to have someone help me throughout the process. If it wasn't for Axia and Cheryl being knowledgeable, I would not be in my new home now. So thank you Axia team and Town and Country as they worked tirelessly to help me in my next stage in my life, becoming a home owner!
The communication !
Cheryl, is a fantastic Loan officer! She always gets the job done on time and is very great at what she does.
I absolutely loved working with Cheryl she went above and beyond for me, she did everything possible to make sure my loan went through, can’t thank her enough for all her hard work!She is a wonderful person!
Very friendly
Responsive to client needs
Cheryl was very good with communications through out the transaction. Everything went very well!!
They are very friendly but the lack attention to detail I had to supply my email twice as well as my phone number was down for both borrowers when we supplied two separate number. Not the best at communicating would call and get no response as well as text with no response
Cheryl and the entire Susanville Axia staff are so polite, timely and professional. Always a pleasure to work with and go above and beyond for their clients.
Cheryl was always there to make the process easy and if we had any question she would answer them quickly and would try to make extra time to explain it to us in detail.
On top of starting a new career and having to move away from my family to do so, trying to buy a house for the first time was quite confusing and scary. Fortunately, Cheryl from AXIA was recommended to my family and I. She was the answer to our prayers and made buying our first home a wonderful experience. She helped up with every step in the procedure. Cheryl was also a cornerstone in assisting us with developing a plan for us to buy our home as soon as possible so that my family and I could be together again. We will always be grateful for the wonderful help Cheryl provided for us.
On top of starting a new career and having to move away from my family to do so, trying to buy a house for the first time was quite confusing and scary. Fortunately, Cheryl from AXIA was recommended to my family and I. She was the answer to our prayers and made buying our first home a wonderful experience. She helped up with every step in the procedure. Cheryl was also a cornerstone in assisting us with developing a plan for us to buy our home as soon as possible so that my family and I could be together again. We will always be grateful for the wonderful help Cheryl provided for us.
Cheryl, was always there to answer questions and handled all the details perfectly and professionally. She was able to get the loan done ahead of schedule.
We love Cheryl! She has always been helpful, knowledgeable, and supportive. We have used her 3 times and will continue to use her for any future financing needs.
We love Cheryl! She has always been helpful, knowledgeable, and supportive. We have used her 3 times and will continue to use her for any future financing needs.
Axia home loans in Susanville California is one of the best loan Companies I've delt with, I have bought and sold several properties thru out my life and it can be stressful if you have and inexperienced loan officer. Cheryl Holmes made everything easy, pleasant and I value her friendship with all my heart.
Thank you Cheryl for walking thru this difficult time with me.
Roxanna Hall
Axia home loans in Susanville California is one of the best loan Companies I've delt with, I have bought and sold several properties thru out my life and it can be stressful if you have and inexperienced loan officer. Cheryl Holmes made everything easy, pleasant and I value her friendship with all my heart.
Thank you Cheryl for walking thru this difficult time with me.
Roxanna Hall
Cheryl, was always there to answer questions and handled all the details perfectly and professionally. She was able to get the loan done ahead of schedule.
We love Cheryl! She has always been helpful, knowledgeable, and supportive. We have used her 3 times and will continue to use her for any future financing needs.
Cheryl was always very professional, answered all our questions and gave us excellent advice!
Cheryl was very personable and guided us through each step. She is very knowledgeable and kept in constant communication with us. Cheryl went above and beyond expectations and made this a very pleasant experience.
Cheryl is a pro
Cheryl, was always there to answer questions and handled all the details perfectly and professionally. She was able to get the loan done ahead of schedule.
Everything was so easy and painless. Everybody greets you with a smile and wanting to help. There wasn’t anything that was left unclear and we never felt forgotten about. Our dreams were made a reality and we will return to fulfill our future dreams.
Working with Cheryl has been a true pleasure. She is always quick to answer a call, text or email and has the most bubbly, kind spirit. You can feel that she loves what she does, and wants nothing but the best for her clients.
Wonderful working with her! She kept us informed every step of the way!
Cheryl was wonderful!
Cheryl was awesome. Extremely helpful and quick during the whole process.
Cheryl Holmes was awesome. She got our process going really fast. she helped us with every question we had.
Cheryl and her team were all great to work with. They helped me overcome all the hurdles in this process. Thank you all.
The transaction went smoothly.
It was just such an easy process. Cheryl did as much work as she could before reaching out to us. This made it so much more convenient for us.
I appreciate the constant communication and attention to detail. Thank you for another great transaction.
Very professional and friendly. Cheryl made us feel very comfortable and confident about the transaction
Cheryl is the best!!! Very knowledgeable and honest. I have used Cheryl several times and she has worked miracles for us..
This is the 3rd time working with Cheryl Holmes and I an honestly say I will never go anywhere else. She made this refinancing process so easy and fast and helped me save a lot of money. She explained the details of my loan process every step of the way and followed up with me weekly/daily as to the status of rates and the progress of my loan. I would highly recommend her to all of my friends and family and anyone looking to buy a home or refinance.
Another great closing with Cheryl! Thank you!
She's is always great about answering any questions, she's very knowledgeable and always nothing but friendly pleasant and professional.
My family and I had an excellent experience with Cheryl Holmes . Cheryl did an absolutely great job at not only explaining the process to us, but she also kept us up to date with pertinent information and provided us with assistance at every step. She showed much care, heart, and attention to detail. I will recommend her to anyone looking to purchase a home, especially if you need an agent with both integrity and heart. Thank you Cheryl for all of your help.
Cheryl Holmes was easy to contact, provided great service to my client, and kept the client's loan process progressing smoothly, even in these challenging times. I would highly recommend her to persons looking for a new home loan and their agents.
Friendly, responsive, knowledgeable. Great experience
Cheryl always has her clients best interest in mind! This is the second time working by her side and we are satisfied every time! I highly recommend Cheryl for any home loan needs!
Wonderful person that went above and beyond to make sure we were satisfied, and was transparent and answered any questions we had.
Friendly, home town service you cant get on the internet.
I loved that she would come to me at times I was unable to stop by the office
Cheryl kept us informed every step of the way. Her work ethic was evident from the first moments of interaction. She is completely trustworthy, which is important for such an important process as the purchasing of a new home. Thank you for your hard work.
The communication with in the office, client and agent is great.
Cheryl went above and beyond to answer my many questions! Would recommend!
Easiest transaction ever
Thank you so much for all your help
Highly recommend for anyone wanting a loan
Cheryl was very receptive to my desire to keep my monthly payment as low as possible even though I qualified for much more. She offered a great loan that fit the bill! I appreciate her knowledge, expertise and her friendly manner.
Cheryl was there to answer all my questions about what turned out to be a very complicated transaction. Thank you so much Cheryl! Cheryl very knowledgeable and helpful.
Cheryl was there to answer all my questions about what turned out to be a very complicated transaction. Thank you so much Cheryl! Cheryl very knowledgeable and helpful.
From the beginning until the end of the process of buying our home, Cheryl has been very helpful n very thorough in explaining everything. We had a great experience n very thankful for the whole team who made it all possible. We appreciate everything you guys did for us and we will definitely recommend you to our friends and family who are looking to buy their house. Keep up the good work. Thank you once again.
From the beginning until the end of the process of buying our home, Cheryl has been very helpful n very thorough in explaining everything. We had a great experience n very thankful for the whole team who made it all possible. We appreciate everything you guys did for us and we will definitely recommend you to our friends and family who are looking to buy their house. Keep up the good work. Thank you once again.
It was great because I dealt with Cheryl face to face…she is very professional and is easy to work with. She took me through the re-finance process, step by step. She answered my questions, and solved a few problems in a timely and efficient manner. I went to Cheryl to re-finance this property, because of the confidence I had in her, since she guided me in the original purchase of this property in 2014. If I were to grade this experience on a scale of 1-10, I would grade it a definite 10.
Our experience with Axia Home Loans was fantastic! Cheryl is amazing, she went above and beyond to make sure our home buying experience went smoothly. Would definitely recommend!
Cheryl went way above a five star rating. I am so impressed she made a tough situation very easy. I could call on her at anytime and she was always available. I will certainly recommend Cheryl Holmes to all my clients.
Kathy White,
Dickson Realty
Overall our experience was great, Cheryl was very responsive and easy to work with. She was great at explaining everything.
Cheryl is always helpful and friendly. She takes care of everything. Love her!
Cheryl was very receptive to my desire to keep my monthly payment as low as possible even though I qualified for much more. She offered a great loan that fit the bill! I appreciate her knowledge, expertise and her friendly manner.
Cheryl will give me a call anytime if I have questions.
The knowledge Cheryl has and dealing with Cheryl was very pleasant she is a asset to your organization
From the beginning until the end of the process of buying our home, Cheryl has been very helpful n very thorough in explaining everything. We had a great experience n very thankful for the whole team who made it all possible. We appreciate everything you guys did for us and we will definitely recommend you to our friends and family who are looking to buy their house. Keep up the good work. Thank you once again.
We love working with Cheryl. She is very knowledgeable and prompt.
The process from start to finish was very smooth. I also liked how easy it was to get responses back if I had a question.
Makes the process so easy and painless!
Cheryl was amazing and made everything easy
Cheryl made it easy through the whole process and was available when we had any questions. We love working with Cheryl Holms.
Cheryl was there to answer all my questions about what turned out to be a very complicated transaction. Thank you so much Cheryl!
Fast, friendly, informative and always available when you need her. Our third home in 20 years with Cheryl, wouldnt use anyone else
Prior to making the decision to go through Axia and work with Cheryl I had attempted to refinance my house through my current mortgage company, Chase. I felt like the agent I was working with was not being honest and was not really knowledgeable of refinancing and did not really have the answers to my questions. So I withdrew my application and went to Axia, which is were I should have started in the first place, since I bought my house through them anyway. I am so happy I did!
Cheryl was always on top of it that the whole experience went amazingly great.
Cheryl made the purchase of our second house go so smoothly and answered all of our questions quickly… so thankful we were able to work with her again! Until next time!
Personal touch!
Working with Cheryl is always so easy. She goes out of her way to make sure you always know what is going on during the process. She was able to answer all our questions and made the process so stress free.
I really appreciated Cheryl's personal concern, professional and efficient work. No cookie cutter approach with her. Cheryl listened to the facts of my refi needs, and worked with me to make the process go quickly and achieve a successful loan closure at a great rate. Highly recommend Cheryl Holmes at Axia!!
Cheryl went above and beyond our expectations in the process of buying a home! Cheryl is attentive and knowledgeable, all while being extremely professional ! We are very pleased with our experience.
Incredible experience, couldn’t have asked for anything better!
Cheryl did a great job communicating each step as we went through the process.
Excellent to work with. Professional, friendly, and knowledgeable.
Cheryl helped us out every step of the way and she worked with us through the whole process explaining step by step the breakdown of financing a house.
Always a pleasure working with Cheryl!
Very professional and friendly. Cheryl made us feel very comfortable and confident about the transaction and the process was completed VERY quickly. Would highly recommend Cheryl Holmes.
This was our second mortgage with Cheryl. Our situation is complicated because we are self employed. Cheryl managed to get everything done in a very busy period with a short window to close. Communication is always great and loan was closed on time with a great rate and fees as promised. Couldn’t ask for a better experience.
This was our second mortgage with Cheryl. Our situation is complicated because we are self employed. Cheryl managed to get everything done in a very busy period with a short window to close. Communication is always great and loan was closed on time with a great rate and fees as promised. Couldn’t ask for a better experience.
Cheryl made the process very easy for me, and was very understanding and flexible when it came to meeting up for anything! Experience was fast and smooth!
.
As first time home buyers, we had a lot to learn. Cheryl was amazing at explaining everything and keeping up great communication. She really did bring us home and we are very grateful for her and the entire Axia team that helped us get settled into our new home.
Professional services and an ability to make the terms fit our needs.
Working with Cheryl was great! she helped us make it happen even being out of state! She is so pleasant To work with and knows her job well so we were very comfortable going to her and trusted her to help us . We would recommend her again and again !!
Mrs. Holmes could not have made this any easier. It was a wonderful experience. Mrs. Holmes was always straight forward, thorough and very knowledgeable. Thank you Cheryl for all your help. JOB WELL DONE.
Cheryl and her team really came through for us and helped us close on time despite some extra hurdles. She provided prompt responses and sound advice through the process.
Axia is always punctual and communicative with us as well as our clients. They have tons of knowledge and are good at thinking of different programs that will work for folks who may not be candidates for conventional loans or who have specific needs. We love working with them!
Cheryl is very good at her job & she let me know about my loan every step of the way from start to finish. I'm vary pleased with her & I'll would come to her again & again, witch I have.
I have had the wonderful opportunity to work with Cheryl on several occasions. Each time the experience has been very professional and prompt with every step clearly communicated. I highly recommend working with Cheryl and the Axia team.
Cheryl was amazing. She kept us up to date throughout the process and was very good at communicating with us.
Helped us through the process and we are very happy with our new home.
Cheryl is so great to work with. She always has our best interest in heart. She is a great communicator and very good at her job. We love working with her.
Cheryl gave us personal service. We didn't feel like just another client. The process was much quicker and easier than we expected, especially since we had to go out of town unexpectedly.
Cheryl is always a great support and makes everything stressless. Always treated nice and welcomed. I will keep recommending Cheryl and AXIA home loans. 🙂 Big thanks to her and the team!
Cheryl's breadth of knowledge, great ideas on consolidating debt/using equity, professionalism, problem-solving & friendliness!
Cheryl is great to work with!
Cheryl Holmes answered all our questions and had our best interest in mind. She found a special discount that we qualified for because of our line of work. She kept us in-the-know at all times with what was going on at every level of the loan process. Although email is very important, she made a couple of calls to me to ask quick questions. It was nice to have that kind of contact.
Very easy to work with. Made things clear and simple.
Always love working with Cheryl and her team!
Excellent service!
Cheryl helped make the loan process go smoothly for us. She was always in communication with us, found us an amazing loan program that provides gifts for law enforcement and other heroes, and answered all questions we had. She helped us understand this process that can be very difficult. Her availability on evenings and weekends was amazing as well. Thank you so much Cheryl and AXIA!!
Cherlyl Holmes is very professional, caring and knows her JOB. I recommend all my clients to
utilize the Axia Team and all the loan officers in the Office.
Cheryl and her team was able to get my home loan approved when several others before her had failed…
I was ready to give up hope on purchasing this property however Cheryl was cool calm and reassuring that she could get this done and she did…
Thank You so much for all of your hard work on this……
I'm going to refer you to anyone who needs a home loan….
Cheryl and the Axia group went over the top to help me refinance my home I started with them in purchasing this home and have been very pleased with the service I have always recommended Cheryl and Axia to family and friends. Thank you so much for your service 😊.
Cheryl was always pleasant and very up front in all our communications. Something also that meant a lot to was that she would always be in contact with me even when an email was sent. I am not in the habit of checking emails every day and with that in mind she constantly kept in touch by phone. Thank you for the special attention you provided Cheryl.
Cheryl has become like family to us. She is kind, professional and highly intelligent. She allowed us to purchase our dream home.
They were very professional and made a usually difficult process very easy for us. We would highly recommend them to everyone.
This was our second mortgage with Cheryl. Our situation is complicated because we are self employed. Cheryl managed to get everything done in a very busy period with a short window to close. Thanks again for the great service!
Very professional and so friendly. Love working with her.
Cheryl made us feel like we were her highest priority, even though I know she's working her tail off this summer on many other loans. We have worked with her several times and she is always calm, cool and collected, and on top of the information. She was available any time, and worked late into the evening to make sure our loan stayed on schedule. We always enjoy seeing her, she is a true pleasure to work with. Thank you!!
She's very thorough and helpful in explaining everything we need to know. Looking forward to working with her again soon.
Cheryl and her team are amazing, helpful and always take care of us! I have used someone else in the past and absolutely hated the experience, I will never again use anyone other than Cheryl and her team! There trustworthy and handle business, thank you for everything you guys do for us!Rob
Cheryl made the process nice and easy! With her knowledge of programs available for our situation and her ability to have a positive outlook on everything that came her way, she made us very comfortable and at ease. Me and my family are super grateful to have her on our team!
Cheryl was great to work with. She was always there to help and answer any questions we had.
Axia is like family every time I walk in their door! I love working with Cheryl, she works hard and she does an amazing job at making you satisfied and happy. Thank you Cheryl!
Smooth experience from start to finish. Cheryl was amazing to work with!
Cheryl is great at communicating and very knowledgeable. She kept me updated as to how far along they were with the paperwork and what the next step would be. She had all of the paperwork completed way before closing, which was awesome.
Cheryl and her team are amazing, helpful and always take care of us! I have used someone else in the past and absolutely hated the experience, I will never again use anyone other than Cheryl and her team! There trustworthy and handle business, thank you for everything you guys do for us!
Rob & Jen
The people were always helpful, they always gave us very helpful advise to cure problems so we could continue to get our mortgage and purchase our home, thank you all very much.
Friendly staff and great service always kept up on all information about the process of the application and informed of where we were in the process of application at all times
Cheryl is wonderful. Everything went smoothly and we did not have to do a thing.
Cheryl and her team are incredible and always on task and apprising throughout process. Being our second time dealing with Team Cheryl, I gotta say….. A-Team Axia just keeps getting better.
Thanks for all the help and assistance throughout the process.
You made us feel very comfortable and kept us informed on what was happening .
This isn't just a mortgage company, it's a family. Cheryl and her staff have always been great at their jobs. They stay on top of everything and got my home loan complete faster than I expected! This has been the 3rd time I've worked with Axia, and I'm looking forward to working with them again.
Thank you Axia for getting me home.
Cheryl went above and beyond to make sure we got into the house we purchased. great communication and overall experience. She's the best!
Cheryl was just as helpful as could be during this experience buying my first home. She went above and beyond, making sure I had all my needed documents in order to get through this process. Thank you so much Cheryl!
Cheryl Holmes at Axia made getting a home loan very easy and stress free. She was amazing and extremely knowledgeable in every aspect. Making us get into our beautiful home in a very short amount of time. Cheryl is very friendly, courteous and respectful.
I had a great first time buyer's experience. Thank you
Cheryl, you are amazing to work with. From our first phone call I knew you were the right person to help me finance my first home. You are optimistic, enthusiastic, and honest. Entering into the real estate area was daunting but you explained each step along the way. I am truly blessed you were a part of my team. My two daughters and I are excited to start this new journey. We couldn't have done with you. Thank you for everything!
We have worked with Cheryl a few times and she has gone above and beyond to help us! She has explained each step in the process and helped us figure it all out! Cheryl is the best.
Cheryl made the transition very easy for us. We had a complicated situation with my wife being in another state. Cheryl took the stress of situation and made the transition easier for us.
Cheryl made the process nice and easy! With her knowledge of programs available for our situation and her ability to have a positive outlook on everything that came her way, she made us very comfortable and at ease. Me and my family are super grateful to have her on our team!
I had recently just sold my home and was going through a divorce. Found a new home and was ready to get moved and settled. Cheryl had everything ready to go and I was able to close escrow in 17 days!!!!! Within 2 weeks she had me approved, funded and keys in hand. I would never use anyone else other than Cheryl Holmes and Axia. Thank you for making this transition so easy.
Cheryl Holmes rescued me from an online lender. It was a mess, and without her, my refinance would not have been possible.
Thank you again, Cheryl! Your hard work and diligence does not gone unnoticed!
Cheryl was so wonderful during the entire home buying process. She was extremely helpful not only in regard to the home loan portion but she also assisted us with issues that arose during the closing process. She answered her phone all hours of the night and eased our minds when things were not going as planned (although they had nothing to do with the loan). She is very professional and personable and I would recommend her to anyone!
Thank you for another positive experience. You make re-financing easy and stress-free.
Cheryl was a great help to us through the whole process. She made buying a home very easy!
Cheryl was very helpful in all aspects of buying a house. She was always straight forward with you and helped you understand. Any questions I had, she always answered right away.
This process was so smooth it didn't feel real! There were no hiccups or moments of stress at all. It was amazing.
Cheryl and her whole office are so pleasant to work with. She explains everything in detail and tells you what the steps are, and what to expect, no surprises.
Cheryl is a very sweet and very easy to work with. We were always greeted with a kind smile and warm welcome. She kept us informed at all times. Cheryl is very good at what she does. Our house buying experience was wonderful. I recommend Cheryl at Axia Home Loans and her team to anyone looking to purchase there next home!
Cheryl took the time out to meet with us and answer ALL of out questions, which were a lot. She was so personable and explained every thing every step of the way.
Great communication, very friendly and inviting atmosphere.
Cheryl is the best
Cheryl and her staff provided us with a great experience. That I'm sure can be all to often underwhelming for any first time home owner's such as ourselves. Thank you for fostering such an amazing atmosphere.
Cheryl was awesome! The lines of communication were always open and clear. As first time buyers, my husband and I had a lot of questions and she was very patient and walked/talked us through each step of the process.
Cheryl was very responsive to our questions and was very helpful throughout his process.
Very professional and made our first experience with this memorable. Highly recommend to every one. Thank you cheryl for everything!!
Cheryl made us feel so comfortable I trusted her the whole experience I knew she our best interest at mind she is awesome I would recommend her to anyone
It was a very easy process with the help we received from Cheryl Holmes.
Thanks
I’ve worked with Cheryl and her office many times and they are always friendly and she is always quick to answer any questions.
So easy to work with and great at what she does!
Cheryl has helped us with purchasing two homes, she has made the process easy and stress free. We will continue to use her in the future because of the hard work she puts into every family she works with.
Cheryl was very prompt to take care of any questions or issues. Very professional and up to speed on your file at any notice. My wife and I have bought two homes through her office and she made it streamlined both times. Wonderful lady!!!
Cheryl was awesome! She kept in contact through the entire process and answered every question we had!
Cheryl was kind and helpful! The best experience we could have had buying our first house!
Quick application, approval & closing process. Read kept informed every step of the way. Professional, friendly & knowledgeable.
She made the process of buying our home so easy and stress free
A very pleasant experience with prompt service.
Cheryl and her team really do a great job and it is a pleasure to work with them. They are knowledgeable and professional.
Cheryl was great! She helped us every step of the way and even went above and beyond for us. Thank you!
Cheryls personality is what made the difference for me. She knew exactly what to do and could answer any question I threw her way, her kind and cheerful personality made even the stressful times seem ok.
Cheryl Holmes has great communication skills which was exactly what we wanted. The home buying and lending process was explained well and her information was always timely. We felt our concerns were heard and she helped us work through the home buying process.
Cheryl Homes and AXIA were professional, prompt, and kept me well-informed of developments. Cheryl communicated very clearly and kept good records. The process was about as headache-free as possible.
Thank you for going above and beyond for my boys and me. We are so thankful for our new home and fresh start.
I loved how since day one Cheryl was on top of everything and was straight forward with the entire process. Always on track and I just felt like home in the office always was treated nicely and all the attention they all gave me was just great. I walked in knowing nothing about home loans and walked out with a great expierence.
AXIA home loans has a fantastic team an I highly recommend them especially for a first home buying expierence. 🙂
I honestly can say Cheryl Holmes made this such a great experience, she made me feel at home everytime. Never felt obligated or pressured it was awesome! Thank you! I would recommend it to everyone
Cheryl is always ready and willing to communicate, including later at night. A real pleasure to work with and do business with.
Cheryl was always very pleasant and easy to work with. She was always able to answer questions promptly and always went out of her way to help us. Cheryl is AMAZING!
Cheryl was amazing to work with. Being new to the community, her advice was so helpful. Highly recommend using Axia and Cheryl.
We thank you Cheryl Holmes , well are very happy with our new home and was very impressed with your fast timely manner. we were treated with such professionalism . Great doing business with you , we will tell friends and family.
Cheryl kept us informed thru the whole process. It was a very easy process thanks to Cheryl. I would highly recommend Cheryl to anyone looking for a home loan. Thanks again for the professional service and our new home,
Being a new homeowner I had lots of questions and Cheryl was always quick with a response and made the whole process seamless. I always felt like she had my best interest at heart and that I was in great hands, Cheryl is excellent at what she does and I was lucky to have worked with her! Thank you!!
Cheryl herself made it wonderful….very informed and knowledgeable
Everything from start to finish
Thank you!
Cheryl is wonderful to work with, she made this process of buying a home so easy for me. She was in touch throughout. Cheryl is a genuine, kind lady, who looks out for her clients. I am so happy my friend Amanda Sgroi referred me to Cheryl. You cannot go wrong working with Cheryl Holmes and AXIA as your home lender. I am so grateful for my new home.
They are very respectful and help you with everything question.
always a pleasure to work with Cheryl. These awesome clients had bumps in the road along the way. Together we kept plugging thru and this couple have an awesome home. Cheryl always goes the extra mile to help her clients and agents !