PRIVATE LENDING SOLUTIONS & RESIDENTIAL MORTGAGES NATIONWIDE
Backed by 20+ years of lending expertise, Axios Mortgage Funding is a direct private lender and national mortgage broker. We specialize in private lending solutions for real estate investors, developers, and homeowners across the U.S. Our goal is simple: provide the best financing strategy—quickly, clearly, and confidently.
About Axios Mortgage Funding
Axios Mortgage Funding is founded and led by George Tsemberlis, a nationally recognized mortgage strategist with 20+ years of experience across residential, private, and investment lending, who has originated thousands of loans, built a reputation for fast approvals, smart loan structures, and clear communication, and gives clients direct access to a senior expert—not a call center or junior processor.
By operating as a direct private lending institution bridging traditional mortgage brokerage with private and investor financing, he creates customized plans around each client’s goals—from first homes and refinances to multi-state portfolios and time-sensitive fix-and-flips—earning the trust of homeowners, investors, builders, and developers nationwide as he protects their interests, simplifies complex decisions, and gets deals closed quickly and precisely.
Comprehensive Lending Solutions
From residential mortgages to complex investor financing, we provide strategic lending solutions tailored to your specific needs.
Private & Investor Lending
As a direct private lending institution, Axios provides real estate investors and developers with funding solutions traditional lenders can't match. Our private lending expertise is our core strength.
- Up to 90% LTV on Purchase
- 100% Rehab Financing
- Same-Day Term Sheets
Residential Mortgages
Homebuyers and homeowners choose Axios for competitive rates and a smooth, transparent mortgage process from application to closing.
- Conventional, FHA, VA, Jumbo
- Fast Pre-Approvals
- Nationwide Coverage
Builder & Developer Financing
Ground-up construction, spec builds, and subdivision financing designed for contractors and developers scaling production.
- Advanced Draw Schedules
- Interest Reserves Available
- Multi-Project Financing
The Axios Advantage
Relationship Focus
We build relationships, not one-off transactions. Expect ongoing support well beyond closing.
Nationwide Reach
Lending solutions for clients in all 50 states with consistent service quality coast-to-coast.
20+ Years of Expertise
A proven track record of thousands of loans closed across residential, commercial, and private lending channels.
Speed & Flexibility
When time kills deals, we move faster. Swift decisions, creative structuring, and high-leverage options.
Direct Access
Work directly with our founder and senior loan strategist. No call centers, no middlemen.
Strategic Structuring
Intelligent, custom loan strategies optimized for long-term success, not just quick approvals.
What Our Clients Say
Don’t just take our word for it—hear from the homeowners, investors, and builders who’ve experienced the Axios difference.
nathalie rodriguezGeorge T and Heidy helped me with the biggest purchase of my life so far. As a first time property buyer jumping right into purchasing a commercial property made me a bit nervous but they walked me through every step of the way. I had one million questions and they had one million answers and were ready and willing to help at all hours of the day. They followed up with me constantly and the entire process was very high touch, however at no point did I feel as though I was annoying them. In fact it was quite opposite, they welcomed my questions and gave me lengthy answers. I truly cannot recommend them enough as a team. Even after closing they followed up and made sure everything ran smoothly, such a pleasure! I will definitely be a return client when I am ready to purchase my next property.Read moreRead less
Reginald AskewMy partner and I are first-time home buyers. George was very helpful during the entire process! George made himself available via multiple communication channels which allowed us to get quick responses on urgent items. George made every effort to watch the market closely to get us a good rate. There were no questions George left unanswered, which we appreciated very much. Highly recommend.Read moreRead less
Jacqueline MachadoI recently bought my home with George and his Team!!
I couldn’t be happier with everything! They’re so professional and work things out beautifully for our family!!
He was able to refinance my existing property and closing on our new property in the same week! Which was unbelievable!! They work tirelessly in order to help us closing this DEAL!
Thank you everyone from CrossCountry Mortgage!!
Thank you George and Douglas!! You guys rock !
May God continue blessing you and your business!!!Read moreRead less
Livia HalascsakGeorge and the entire team are amazing!!!
We are so lucky to have them, helping us and guiding us throughout the process of buying our new home.
With their help we were able to purchase our home in 21 days'!!!
Very professional, but very friendly, full of information and guidance.
Highly recommend George and Cross-Country Mortgage!!!Read moreRead lessalan molnerProfessional, personable, pleasant, articulate, easy going easy to get along with Very nice guy, would highly recommend to anyone looking to get a mortgage or refinance, fast and easy no problems. Everything was done electronically and always kept me abreast of the rates. Would highly recommend Thanks George!Read moreRead less
Michael M. RojasMy experience with Cross country mortgage surpassed expectations. The quality, design, and functionality were outstanding. Specifically, George and Heidy, provided exceptional customer service, promptly addressing any concerns. I highly recommend them for their experience, reliability, and customer care.Read moreRead lessDrew KGeorge was truly a pleasure to work with! There was not a single stone unturned from George, my wife and were so pleased to have George in our corner during this house purchasing process. He was professional, thorough and most important he was friendly and cared deeply to make sure we got everything we needed. George is a consummate professional and truly wonderful at his craft. I would recommend anyone use George as his mix of professionalism and friendliness will be exactly what you need in this house purchasing process!Read moreRead lessTom EGeorge is a consummate professional. He helped guide me through the entire mortgage process. He always made himself available to take my calls as questions presented themselves. He communicated very well too via email & text. He did everything he said he was going to do & even went the extra mile a few times throughout the process. I’m thankful to have met George & am very appreciate of his efforts!Read moreRead less
Elizabeth CortezThis was my 4th Refi in 20 years. It was by far the easiest and fastest!
George Tsemberlis is wonderful! Returns calls promptly. Follow through was wonderful. Knowledgeably Explained any questions I had. He and Cross Country made the whole process painless and seamless. I highly recommend them to anyone in need of a mortgage.
Elizabeth CortezRead moreRead lessDavid MI had the pleasure of working with George Tsemberlis as my Senior Loan Officer, and I couldn’t be more satisfied with the experience. From the very beginning, George demonstrated exceptional professionalism, patience, and expertise in navigating the loan process. He took the time to explain each step thoroughly, ensuring I understood all my options and felt comfortable making informed decisions.
George's communication was top-notch—he was always available to answer questions, address concerns, and offer insightful advice. His attention to detail and proactive approach made the entire process smooth and efficient. I truly appreciated how he went above and beyond to find the best loan solution tailored to my needs.
Thanks to George, the loan application process was stress-free, and I felt supported every step of the way. I highly recommend George Tsemberlis to anyone seeking a knowledgeable, reliable, and dedicated loan officer.Read moreRead less- akozak22Superstar George, recently helped my wife and I with a refi on our home and we simply can’t say enough about him! He and his team were super professional, incredibly efficient, and above all genuine. George made us feel at ease through this confusing process, throughly explaining each step being sure to answer each and every question we had no matter how insignificant it may have actually been! He was even kind enough to give some helpful tips along the way for our future plans. Whether you are a first time buyer or seasoned veteran, George’s invaluable experience and tireless work ethic will surely benefit you! I look forward to working with him and his colleagues on future endeavors.Read moreRead lesschrycyshynGeorge helped us get the rate we wanted George helped us get the rate we wanted on our refinance of a conventional 30 year fixed to a 15 year fixed. The process went smoothly despite the quarantine in effect. I would definitely recommend working with George and his team. Fees and closing costs were in line with what we expected. Great follow up and keeping us informed of what Waze happening with the markets.Read moreRead less
Brandon BWe LOVED working with George and the Cross Country team in purchasing our next home. Their team work and communication is impeccable. Any question or concern we had along the way George was there with an answer or solution. You will have ultimate peace of mind and sleep better at night knowing that Cross Country Mortgage will be there for you every step of the way in your home buying process. Thank you George and thank you Cross Country Mortgage.Read moreRead less
Monica JonesWorking with George from Cross Country Mortgage was easy and straight-forward. George is super communicative, available and was able to answer any question we had. As first time home buyers, this made the process feel seamless and we had lots of confidence that we understood our options and best path forward for us. Would definitely recommend working with George Tsemberlis!Read moreRead lessSarah GMy husband and I were first-time home buyers, and George responded to our many questions with timely and clear answers. He also took the time to consider our short-term and long-term needs. This gave us confidence and peace of mind, and we highly recommend George to any prospective home buyers.Read moreRead less- Promethius DI can't thank George and his team enough for his dedication and commitment to my mortgage . He along with his team was very responsive ,and communicative via telephonically or email to ensure the solace Of this process. As I resume my journey with other housing opportunities. I will continue to use this great team ,and I'm suggestive that others do the same .
Thanks George
Dillard Family!Read moreRead less - Odalis NGeorge was responsive and extremely informative every step of the way with my clients. I found working with him to be quite rewarding, as each day presented an opportunity for me to learn something new that would enhance my ability to better serve my clients. In such a volatile market, working with someone who is economically engaged is a key factor in the success of your real estate portfolio. I highly recommend him!Read moreRead lessjas365Super Professional, Excellent Service!!! George was an absolute pleasure to work with. He was totally engaged with us during the enter refinancing process and made sure to answer and explain any questions we had. He provided the personalized service we all want but rarely get. I highly recommend him!!Read moreRead less
- Stephanie DI was in the process of buying my first home and George and Cross Country were recommended and I was surprised at how quickly George responded. George and his team were helpful during the entire process and were always available to answer all of our questions and guide us every step of the way. I couldn't have picked a better team! I highly recommend them if you're looking to buy your new home.Read moreRead less
Jason TrianoThe best thing about working with George over the past 4 years is his ability to find solutions for our clients that best fit their needs. Every client comes with challenges and benefits. George’s ability to develop favorable lending parameters for our clients is such a valuable asset. He is always staying up-to-date on new financial products that can be beneficial to our clients. This allows our clients to match the best lending options that fit their real estate goals.Read moreRead lessLivia HWe are so lucky we were introduced to George by our real estate agent. George and Heidy and the rest of the team are amazing to work with!!
Very professional yet friendly, full of advice and information.
Always available to answer any questions or concerns!!
They did such an amazing job, that we got to close on our new home in 21 day's!!
We can highly recommend George and the Team!!!
Thank you ALL for your effort, guidance, hard work!Read moreRead less- Bradley HGeorge went the extra mile to make sure that not only the loan was moving but that it was as easy as possible for me. This meant a lot for me personally as I was trying to arrange a mortgage from another country. George went out of his way to make it happen for me and my family.Read moreRead lessDavid and Maria TateFirst Class. Would give future business and refer friends to George. Geroge was very helpful answered questions and concerns very quickly. He was very professional at all times, keeping us aware of everything that was happening. George was flawless in his management of our re-fi. An incredibly thoughtful communicator. And was able to explain even the most intricate nuances of the mortgage process to us. We really enjoyed working with him and highly recommend him.Read moreRead less
Colby CasoriaGeorge is an outstanding loan officer. He helped me understand in the simplest terms exactly what I need to do as an entrepreneur to ensure I can acquire a loan to purchase a home. I would be happy to recommend his services to any of my family and friends! Thanks GeorgeRead moreRead less
daniel smithGeorge Tsemberlis is a pleasure to work with. George guided me through the process of my refinance with Cross County. George gave me constant updates and information throughout the process. The platform Cross Country uses for the application and uploading of documents was simple even for a boomer like myself. George and his team made the entire process stress free and my closing took less than an hour.
Thank you George Tsemberlis!!!Read moreRead less- Brian TangoraIf you are looking to work with a mortgage expert, who is the definition of integrity, honesty, and hard work – I highly recommend George Tsemberlis Recently, my mortgage was sold to a new lender, and shortly after they contacted me to do a streamline mortgage, which given my current situation made sense, so I initiated the process. Since I never heard of a streamline refi before and always like to get second opinions, I called George, who I have known for over 18 years and explained my situation. He broke down the streamline process even further and offered to check the rates to see if I was getting a good deal. He came back and shared that he could save me hundreds more on my monthly mortgage and tens of thousands more off my back-end interest. George thoroughly explained the entire process to move over to Cross Country and even though he is my long-time friend, he still had to EARN my business. George did so by exemplifying outstanding communication skills by listening to our concerns, identifying solutions, and always picking up his phone to answer my 300 questions. He guided me every step of the way, providing daily updates and made the entire process stress-free and efficient. I love the savings, but I love having the peace of mind even more that I have a trusted mortgage resource in my corner, who I can contact at any time with questions and who I know has my best interests at heart.Read moreRead less
- ChrisThere in a Pinch We came to George after running in to major obstacles with another lender. George was able to provide a mortgage at the same competitive rate and fast track our approval process to get us to closing as quickly as possible. George was very communicative throughout the process, making sure we were able to do our part to facilitate closing while he was putting in yeoman's work behind the scenes. It was a great comfort knowing we had someone who was always positive, leveraging all of his resources after being brought in during a crisis.Read moreRead less

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Mortgage Calculator
Planning your budget? Our handy Mortgage Calculator lets you estimate your monthly mortgage payment. Simply enter the loan amount, interest rate, loan term, and down payment to see an instant estimate of your monthly payment. Adjust the numbers to compare different scenarios and find a payment that works for you. It’s a quick way to plan ahead with confidence before you take on a new loan.
Frequently Asked Questions
What types of loans do you offer?
We offer a wide range of loan programs, from traditional home mortgages (Conventional, FHA, VA, Jumbo) to private and investor loans (fix-and-flip, rental property DSCR loans, construction financing, and more). This means we can likely finance almost any residential or investment real estate deal.
Do you lend in my state?
Yes. Axios Mortgage Funding is licensed or authorized to provide loans nationwide, across all 50 states. No matter where in the U.S. you are, we can work with you to finance your property.
How do I get pre-approved for a home loan?
It’s easy – just reach out to us by phone or through our online application. We’ll gather some basic information (like income, credit, and property details) and can often issue a pre-approval within hours. A pre-approval letter strengthens your offer when you’re home shopping.
How fast can I close on a loan?
Speed is one of our specialties. For a straightforward home purchase or refinance, we can often close within 3-4 weeks (or faster if needed). For investor loans and private financing, we can move even quicker – sometimes funding deals in as little as 7-10 days. We’ll give you a clear timeline up front.
What credit score do I need to qualify?
We work with a variety of credit profiles. Conventional loans generally prefer mid-to-high credit scores, but programs like FHA can accept lower scores. For our private and investor loans, the focus is more on the property and deal strength than your personal credit. Even if you’ve been turned down elsewhere, talk to us – we often find solutions when others can’t.
Do you offer loans for self-employed or real estate investors without W-2 income?
Absolutely. We have Non-QM and DSCR loan programs tailored for self-employed borrowers and investors. Instead of traditional income verification, we can use bank statements, asset depletion, or the property’s cash flow to qualify. These flexible programs make it easier to get approved if you have a non-traditional financial profile.
How much down payment do I need?
Down payment requirements depend on the loan. For a primary home purchase, you might put as little as 3% down (or even 0% if you qualify for a VA loan). For investment properties, typical down payments range from 10-20%, but our high-leverage fix-&-flip loans can finance up to 90% of the purchase (and 100% of rehab costs). We’ll advise on the best option based on your scenario.
What are your interest rates and fees?
Interest rates vary by loan type and market conditions. We shop multiple lenders to find competitive rates for traditional mortgages, and offer fair, market-based rates for private loans. When you contact us for a quote, we’ll provide details on the current rates, as well as any origination or closing fees, so you know exactly what to expect – no surprises.
Why should I choose Axios instead of my bank?
Working with Axios gives you more options and faster service. We have access to a broad range of loan programs (often more than any single bank offers) and can think outside the box to get tough deals done. Plus, you’ll get personal, one-on-one guidance from a seasoned expert. Banks can be slow and rigid, whereas we pride ourselves on being fast, flexible, and client-focused.
How do I start the loan process with Axios?
Getting started is simple: you can call us directly, fill out a short online form to request a free quote, or start a full application on our website. There’s no cost or obligation to review your options. Once we have a few details, we’ll reach out quickly (often the same day) to discuss your best loan strategy and next steps.
Ready to Get Started?
Connect with Axios Mortgage Funding today to schedule a strategy call or start your private loan application. Get faster, smarter, and more personal financing for your next home or investment property — and move one step closer to your next successful deal.














