Thinking about refinancing your mortgage this summer? With ongoing economic shifts and rising questions about timing, many homeowners are evaluating whether this season presents...
NMLS: 1519818
2940 Riverside Drive, Suite C
Susanville, California 96130
State Licensing Information:
AZ-LO-2004932, CA-DBO1519818
Premier Mortgage Resources Blog
How to Make Your Offer Stand Out in a Competitive Summer Market
Summer tends to bring a surge of real estate activity—and with it, more competition. For move-up buyers and homeowners planning a transition, the timing can be both an...

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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.

Lindsey is very knowledgeable and helpful throughout the entire process. As first time home buyers she was very patient and took the time to explain everything to ensure we were comfortable with our decisions. Always got back to us within a timely manner. She made the process easy. We would highly recommend Lindsey.
Communication was great.
Successful transaction and we closed early!
Lindsey went above and beyond during a very difficult transaction effected by COVID-19. She was extremely professional and caring. Our transaction could have been very difficult under the circumstances but Lindsey is a true pro. We not only purchased during COVID-19 but we also purchased outside of Lassen County and it was a residential income property. Most would have tucked tail and ran. She rolled up her sleeves and went to work for us! We got an awesome deal. We highly recommend her.
Very prompt replies to all of our messages. Was great on answering and clarifying everything for us.
Lindsey was great! Always available and answered all the questions!
Lindsey M. made our home purchase easy and enjoyable she was very helpful and answered all our questions, she was motivated and determined to help us close in a timely manner, we couldn't be happier and would recommend her to anyone looking to purchase a new home.
A few months back, Cortney and I had just finished excitedly talking about real estate options on a long road trip from Susanville to Hamilton Montana. After settling in a couple days later, we picked up the phone and dialed AXIA. We chatted with Matt Mullin for a few moments and he invited us to come on in after we returned to Susanville. He shared with us all the very interesting things about home loans and after a half an hour of education, Cortney and I felt really comfortable. Matt made it easy for us. He offered the highest level of respect and customer service and followed up with us and emailed us and went out of his way to inform us and helped us to draft letters of explanation all so that if we found a home, we could be ready. We did find a home and his ambition to achieve happy customers did not slow in anyway. We were those people, with tons of questions and necessary coaching and you wouldn’t of known because he treated us like we had a million bucks in our hands. Cheryl, Kerri and Lindsey were quite friendly too. The entire experience was great. All the way up until the very last minute Matt was there with a notepad writing notes with next steps that he wanted us to remember and things to pay attention to. I just want everybody to know that that Matt made purchasing a home hands-down easy. Thank you AXIA and thank you Matt!
Lindsay was great! Answer all my questions even on weekends & holidays, walked me through all the paper work & even made sure I had a few laughs!
The professionalism and instant responses to any question and answers I had. Was always available when needed. Would recommend anyone to go and see Lindsey Martin
Lindsey went above and beyond to help us with everything. We are VERY grateful for her as a first time not knowing what's going on she really was available at anytime I had questions. Thanks to her my 3 sons and I have a home!!! Thank you so Much Axia for having a great person to represent Axia Home Loans!!
Lindsey went up and beyond for us!! We can't thank her enough! Lindsey made buying our first home a breeze!!
Lindsey made I super easy to complete all the paper work.
Lindsey was always kind and on top of everything. She was helpful and understanding. Some stuff we provided was personal to us and she made us feel unjudged and comfortable.
Lindsey made herself accessible to me at all times and was professional and personable. She was reassuring and was prepared for all possible scenarios during our refinance.
My personal situation was difficult for home buying but Lindsay made it happen!
Best and most reliable business ever! Such kind staff. 💜
Personal and professional service
She does a great job
Lindsey and the axia home team made this house buying experience great! Definitely would recommend them to anyone.
Lindsey was amazing at staying in touch with us and letting us know exactly what was happening at every point in the process.
Lindsey did not relent until she found me the best possible loan program, which drastically reduced my down payment and interest rate. I'm glad I chose Axia Home Loans.
Well, due to a power outage, the title company was late in releasing funds. Not Lindsey's or Chicago Tittle's fault. I wish it had been more clear that the "3 days" till release of funds had been more clear, like "3 days till release AND an additional 2-5 days for mail service. What made it great was LOTS of pertinent info and when one credit account was troublesome, it all finally went thru regardless. She was always pleasant even though at times I was not.
Lindsey work extremely hard to help us obtain our mortgage so we could purchase our home, you were there to help us through all the phases, thank you very much.
We submitted many documents that were misplaced. We came into the office multiple times and the closing cost paperwork was always wrong. They could never tell us how much cash we need to close even up to the day we signed paperwork. I wouldn’t of even gotten a loan through Axia after all this but only had to so we would not lose our house. We were told we would get 4200$ back and ended up getting back only 3400$ when I spoke to Cheryl she had nothing to say and did not make this right.
Lindsey went above and beyond the call for this loan. I was buying out my ex-wifes interest in our home in Susanville, despite the ex's stalling, Lindsey hung in there delay after delay and knew exactly what to do to keep the process moving resulting in the final closure of the loan to the satisfaction to all, thank you Lindsey!
Lindsey was very communicative throughout the entire loan process, I probably sent 5-10 emails a day and she was very prompt in her replies. The team working with Lindsey to accomplish the entire loan process was very excellent. Axia Home Loans is a smart choice for a local business and I would definitely recommend them to anyone buying a house. They are very knowledgeable about local areas and have great standing business relationships with the other business' involved with home buying.
Lindsey made our whole process so easy and nice for our first home loan. She was so informative and was extremely nice. Made the whole experience wonderful!
Lindsey was very informative and friendly. She helped us every step of the way
It was pretty easy.
It was a great experience!!
Lindsey worked with me through the entire process. I am not experienced in buying a home, but she reassured me through each step. I felt that the realtor, title company, and Lindsey worked as a team very well to make this sale happen. I was very impressed. I don't think I could have had better representatives and even my family who lives where I'm moving had nothing but good things to say about Lindsey and everyone at Axia. It was a purchase I have been wanting to make, back home, for a very long time and am in a perfect place and location–it's exactly where I wanted to be!
Lindsey was glad to help with any questions we had and was very nice to work with. Her customer service skills are amazing and she is very knowledgeable making for an amazing experience. Would highly recommend to friends and family
The transaction with Lindsey was swift and efficient!! Thank you Lindsey-
Lindsey Martin made it great Duh 😉
Lindsey , she kept in touch. Made me like family went beyond the extra mile to help out. She is a wonderful amazing person and I am glad to have met her and due business with her.
Loan process was completed.
Very professional and always helpful with questions!
Lindsey was the only thing that kept us interested with the process of buying the house we did. There was issue after issue with the realtor, and Lindsey talked us through every step and kept us positive. She gave us detailed advice above and beyond what we could ever ask for.
Very professional and always willing to help!
Great communication, updates frequently, on top of everything to make sure we close on time!
Always great working with Lindsey. Very helpful and stays on top of critical issues. Great communication. 🙂
Knowledgeable, friendly service and helpful communications throughout the loan process made this a great experience.
Lindsey demonstrated patience, understanding, and unyielding support to our situation. Though challenged by the hurdles involved in a our case, her willingness to learn and implement alternatives propelled us to this finish line. Additionally, the nuances of being a loan originator benefitted us in achieving this goal. We are very thankful for her tenacity and motivation through this refinance. Well done Lindsey Martin, the ShannonsLindsey demonstrated patience, understanding, and unyielding support to our situation. Though challenged by the hurdles involved in a our case, her willingness to learn and implement alternatives propelled us to this finish line. Additionally, the nuances of being a loan originator benefitted us in achieving this goal. We are very thankful for her tenacity and motivation through this refinance. Well done Lindsey Martin, the Shannons.
Awesome communication and explications throuout the entire process.
Absolutely loved working with Lindsey. When things got confusing or overwhelming she was able to help immediately to smooth things out and help us understand better. This definitely would not have been possible without her.
Our process was challenging and Lindsey was very composed and reassuring that this process would work out. I appreciate all of the time, effort and attention to detail Lindsey provided to us. I trusted her word throughout this process. I will be forever grateful. Thank you so much.
Always willing to answer questions and tried to get everything done as fast as they could.
Lindsey was absolutely wonderful. However, the processor that was assigned my loan was absolutely garbage. The whole process from planet themselves was a nightmare. Would not recommend planet to anyone. However, lindsey and her office I would recommend all day.
Congratulations to Amanda and Matthew Ackernecht , their agent Jennifer, SRE and lender Cheryl, Axia.Through many months of patience and excellent financial planning this young family found the right home. It took a TEAM to make it happen along with super sellers, the Schweizers.
Cheryl Holmes helped us twice. Once with purchasing our home, 3 1/2 years ago. Then again, with refinancing our home last month. Cheryl and her team worked hard for us, and put up with our continuously changing minds. Thank you, Cheryl Holmes!
Oh, and she and her team did all this hard work via, phone, email and mail, because our home is in Placerville.
They were very pleasant and knowledgeably to work with.
Lindsey was amazing! She was so helpful and kind during the whole process. She knowledgeable and on top of everything, would highly recommended her to our friends and family.
Always great working with Lindsey. Kept me up to date through the whole escrow and got it closed a few days early. Highly recommend!
Always kept us up to date with info. Very eager to help
Exceptional help along the way, kept me updated on any changes that were happening so I could be ready throughout the process.
Lindsey was very knowledgeable with my loan options and very communicative throughout the entire process. She went above and beyond my expectations of service to help me get into the loan program the best suited my needs. She kept me included in every step of the process and always responded quickly to any questions or concerns that I had.
The entire process from start to finish was painless. My situation was not a pleasant one, yet everyone at Axia went above and beyond to make sure I had a pleasant experience. I would recommend Lindsey to anyone looking for a new home.
Lindsey was great at exploring all our options and thoroughly explained all aspects of the purchase process with us. Even though some hiccups in different programs and a strained timeline, she remained helpful, kind, and kept us well informed of any changes. Thanks for all your help Lindsey!
Lindsey did a terrific job was allot of help however he people she was dealing with made numerous mistakes with the contract several times along with dealing with the Reverse Montague PHH. Lindsey did an excellent job, and I am sure it was just as frustrating for her as it was for me.
Thanks
Lindsey was phenomenal! Worked extra hard to get the job done! Thanks Lindsey!
The entire process was very smooth
The company as a whole was super nice , and Everyone was willing to help at any point, especially Lindsey. She wouldn’t hesitate to help outside of work and I’m very thankful.
easy to work with,always there for us, went above and beyond to help anyway possible. Above all was honesty
The constant communication of what was needed and helpfulness I received made the entire process easy and not as daunting.
Lindsey was everything I needed in this process. She was always available to answer my questions, and made me feel comfortable and confident in my decisions!
Lindsey made it a point to walk me step by step through everything. Even when there was a bump in the road she was there for me. For every question. If she wasnt available there was always someone to back her up with information. I believe the great personality and professionalism that assisted in making this a easy wonderful process. I would recommend everyone to do business with Lindsey. Five stars all around!
Lindsey made it great!
Lindsey is very knowledgeable and if she didn't know the answer, she quickly found the people that did. She was willing to work around my schedule and would answer or return calls promptly. I felt very secure in working with her for my first investment property.
Lindsey made everything simple, understandable, quick, and was helpful beyond words! Absolutely loved loved loved working with her!!!
Lindsey was absolutely amazing in helping me get my loan and get into the house I fell in love with. I will recommend her to anyone who is looking to purchase a home
Lindsey was excellent with keeping me up to date on the happenings of my loan process and answered all of my questions as they arose. She is family friendly, professional and just an all around good person. This was our first home loan and we will definitely be speaking with her when the time comes to purchase a new home.
Lindsey kept me updated and informed
Always great to work with Lindsey! Very responsive & quick to help in all situations!
Thank you Axia for your support of the Jr. Livestock Auction! Your support of our community is appreciated and valued. Elena and Patches thank you!
Lindsey spent time to make sure that I understand what was being asked. She was fast in communicating. And very kind!
Lindsey was extremely easy to work with, explained everything, very knowledgeable and she went over our options to us in great detail. Lindsey always had time to clarify and address our concerns, even if she wasn’t in the office. Quite often my wife and I felt that we were excessive with the questions or status updates, but Lindsey always reiterated that it was her pleasure, responded promptly and made the entire process feel much more personable and individualized rather than “just another customer.” I would highly suggest Lindsey Martin to anyone, and if we ever decide to refinance or sell and buy elsewhere, my wife and I know exactly where we are going… Lindsey at Axia Home Loans!
Lindsey was awesome! Think Axia messed up on the loan docs but the experience was great
Kindness to me
Lindsey was very kind, helpful, and informative.
Everything was easy and thorough. Any questions on my part were explained in ways that I could understand, and I felt comfortable and informed through the whole process.
Lindsey was professional and great at communicating. I would recommend her to anyone.
Lindsey was great to work with, knowledgeable, fast, and very responsive.
Had an easy and stress free home buying experience, would recommend Axia And Lindsey to anyone looking to purchase a home.
Lindsey broke everything down to us so that it was easy to understand. She looks all factors of our credit without judgment and offered recommendations to get our credit where it needed to be to buy. She talked to us everyday during the loan process and giving us updates on things. Lindsey is the best there is in susanville.
Working with Lindsey is a true pleasure! She is always available to answer any questions we have and made our loan process a total breeze. We wouldnt go to anyone else! We are forever Axia fans!
Lindsey was very informative and provided information that was easy to understand throughout the whole process. Lindsey's ability to communicate, listen, and act are what set her apart and made us feel at ease.
Lindsey went above and beyond to be with us every step of the way, she kept us in the loop and informed throughout the entire process. It was a pleasure working with her
Lindsey made our home buying experience smooth and easy. She is a friendly professional, always happy to answer questions. We highly recommend Lindsey and the whole team at Axia for your home buying experience!
Lindsey knows her stuff! She's professional, friendly, knowledgeable and a great communicator.
Lindsey is so super nice and informative. She has no problem being kind in answering any and all questions that we might have had. She went above and beyond for us in making this home ownership adventure so so easy. If only we had known, but honestly it wouldn’t have been so easy had we not had her on our team. Thank you to Lindsey and Axia!!
Lindsey always does a great job
Lindsey was great at keeping everyone updated through the process.
Lindsey, was always responsive and very helpful! Thanks Lindsey
Lindsey made the process very easy she was very knowledgeable and able to answer questions regarding the loan as well as rates and the availability of buy down. She kept us informed about were we were at in the process and the loan was completed very quickly overall a great experience.
I would like to thank you so much Lindsey and the Axia team for helping me to figure out how to achieve my goal of owning a home. You made the process so stress free and always there to answers my question and made it feel that a friend is helping me out through it all. Thank you so much.
Everything was easy going and a very smooth process.
The people at Axia treat you like family. They are humble and kind. Buying a home isn’t always easy, but Axia sure did make it easy for us.
Lindsey was great to work with and she made refinancing easy.
Title company kept asking for duplicate paperwork. Lindsay was the greatest whole process took forever. None of which was lindseys fault.
Thanks for closing the house on time
Lindsey was a great help!
Made us feel like family. Always talked us through every step.