1. The 1% Rate Break or 1/0 Lender-Paid Temporary Buydown is applicable to new home purchase mortgage loans and conventional rate/term refinance loans. This lender-funded buydown reduces the borrower’s effective interest rate and effective monthly payment for a one year period of time by establishing a custodial escrow account, which will be funded by the lender, and funds will be dispersed from the escrow account to cover the difference in interest during the one year buydown period which subsidizes the monthly payment amount. Not available on cash-out refinances, home equity products, or VA and FHA refinance transactions. Not available on manufactured homes. This is a fixed-rate mortgage product; while the payment amount changes after the first year when the subsidy ends, the underlying interest rate remains fixed as stated in the promissory note.
 
 2. Onity Loyalty Lock-In Details: The Onity Loyalty Lock-In program is designed to provide you with the most competitive mortgage offer. This applies to first lien forward mortgage products for purchase and refinance (all government and fixed-rate conforming conventional loans). To qualify, you must provide Onity Mortgage with a locked Loan Estimate (LE) from a competitor, dated within two (2) business days of your new mortgage loan application with us. Excludes offers from the builder’s preferred lender and Credit Unions. The competitor's offer must be for the same product type and loan terms. We will match or beat the competitor's offer by $500 total in cost, though the decision to match or beat remains at our discretion. This offer does not apply to loans already in process, and you can only utilize one comparison per loan application. By locking a Onity Mortgage loan, you confirm our offer was superior. If we cannot meet or beat the competitor's offer, to receive the payout, you must fund with that competitor, and you must provide a final Closing Disclosure as evidence. We will send you a gift card for your first principal and interest payment, up to $2,000.
 
 3. Rate Redo is available to customers who close a first lien purchase or refinance loan with Onity Mortgage with a completed application date before March 31, 2027. Onity Mortgage will provide a lender credit of up to $1,800.00 (either as a general lender credit or toward specific closing costs, reflected on the final Closing Disclosure) on a refinance of the loan with an application date within 12 months of the initial loan’s funding date. The subsequent refinance must be on the same property as the initial loan. Lender credit is limited to the amount of origination fees charged and does not include discount points. One Rate Redo per property. Lender credit not to be combined with any other offers. The actual credit amount may be less than $1,800.00 based on the amount of the originations fee. Rate Redo not available on Texas cash-out refinances, FHA Streamline loans, or second liens. Additional seasoning requirements may apply. Refinance subject to borrower and property qualifications and credit approval. Not all applicants will qualify. Refinanced loan must meet agency and investor guidelines. Limited to the initial refinance of one qualifying loan. Other conditions and restrictions apply. Offer subject to change at any time.
 
 4. As much as $8,000 cashback based on customer using an agent referred by Expert Edge Settlement Services Inc. to sell a $800,000 property and purchase a $800,000 property and receiving a rebate of $4,000 for each transaction. Rebate offered by independent referral brokerage after closing the sale of a property. Rebate amount depends on property sale price so individual results will vary. Not available in all states. See full terms and conditions.
 
 Full Agent CashBack Terms and Conditions: To obtain the Agent CashBack rebate , customers must list and sell or buy a property using a real estate agent referred by Expert Edge Settlement Services, Inc. (“Expert Edge”). Rebate issued by independent referral brokerage after closing the sale of a property. Rebate is .5% of the sale price. Ask referral brokerage for details. Rebate not available in: AK, IA, OR, MS and OK. In KS and TN consumers will be issued gift card. Rebate not available in certain transactions with restricted agent commissions. Short sales and employer-sponsored relocations excluded. The referred agent can identify transactions where the rebate is not available. Customers have the right to negotiate their individual listing agreement. Additional restrictions/conditions may apply. Offer subject to change or cancellation without notice.