Whether you’re trading up for more space or downsizing for a new lifestyle, we specialize in quick, affordable mortgage options designed specifically with you in mind. Our simple process uses advanced digital tools and a team of dedicated experts to ensure a quick and easy closing, to make your homebuying experience smooth and save you as much as possible on your new home.
Pre-Approval
Set your budget and shop with confidence with our same-day Pre-Approval.
We’ll review your application, assess your credit and property value, and order an appraisal to confirm the home's worth.
Closing
Once the paperwork is signed, you’ll receive the keys to your new home. Time to celebrate!
Tools for Your Journey
Start by browsing live listings in your area, then use our purchase calculator to see exactly how the numbers fit your budget. From finding the perfect floor plan to mastering your monthly payment, everything you need is right here.
Today's Mortgage Rates
Check today's rates across various loan types as you determine your next move.
For same-day Pre-Approval, you must connect with a loan officer and provide all required information for review before 1 pm EST.
Mortgage loans are subject to credit approval. Application approval is subject to complete underwriting review based on program guidelines; not all applicants may qualify. Limitations may apply. This is not a commitment to lend. Onity is not licensed to do business or originate loans for properties located in Hawaii.
1The 1% Rate Drop or 1/0 Lender-Paid Temporary Buydown is strictly eligible for new home purchase mortgage loans and is not available for refinance transactions. The lender-funded buydown is applied as a subsidized interest rate reduction for the first 12 months of the mortgage loan, which reduces the monthly payment as if the initial rate were 1% lower than the fixed note rate. During this initial year, the lender provides a credit held in escrow to fund the difference in the monthly principal and interest obligation. Upon the conclusion of the 12th month, the temporary subsidy expires, and the monthly payment returns to the full repayment amount under the note for the remainder of the loan term. 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.
2Full 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.
Real estate brokerage services are provided by Expert Edge Settlement Services, Inc. an Onity Mortgage affiliate. Onity Mortgage does not provide real estate brokerage services is not responsible for the payment of rebate or the services provided by the referral brokerages. All real estate services are offered through third-party brokerages, which are not affiliated with Onity Group, Inc.
All agents have been independently vetted to meet performance expectations required to participate in the network. You are not required to use a real estate agent referred from Expert Edge as a condition of receiving a loan from Onity Mortgage, and you are not required to obtain a loan from Onity Mortgage to use an agent referred by Expert Edge.
This is an advertisement and not a solicitation for agent representation if your property is currently listed with an agent. Expert Edge Settlement Services Inc., 1661 Worthington Road, Suite 100, West Palm Beach, FL 33409, Licensed California Broker, license # 02445734; Principal Broker Luis Nicholas Martinez. Referrals to Expert Edge may provide a financial benefit to Onity Group. Clever Real Estate, 4625 Lindell Blvd, 2nd FL, St Louis, MO 63108. Licensed Texas Broker. Broker license #9010415; Jason Mitchell Real Estate LLC, 1000 Texan Trail, Suite 150, Grapevine, TX 76051. Licensed Texas Broker, Broker license # 728806.
3Loyalty 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 Please be advised that if you have received an Order of Discharge from a Bankruptcy Court, this communication is provided for informational purposes only and is not intended as a continuation of any action, any employment of process, or an attempt to collect, recover, or offset any discharged debt in any capacity. You are under no obligation to use or purchase any product or service reference herein.
4Lock and Shop option is only available for borrowers who have been Pre-Approved with Onity for a new purchase loan. A property address cannot have been provided yet. Valid for standard, Conventional and Government Fixed-Rate products only, not applicable for Jumbo loans. Lock and Shop option not available for properties located in MA or OR. Upon expiration of the initial lock period, and extension will be available. Upon expiration of the extension period, if the loan has not yet closed, the lock will be invalid and will require a new lock, subject to worst-case pricing.
Float-Down option will be available one-time. A fully executed Purchase contract/agreement must have been delivered to Onity Mortgage and the float-down must be exercised no later than 10 days prior to closing and/ or initial closing disclosure has not been sent. The new rate must be .25% lower than the lock and shop rate. The loan program and term must be Standard Conforming or Government Fixed-Rate with 15, 20, 25 or 30-year terms. The float-down option may not be transferred to another lock, borrower, property or loan program.
5The Close-on-Time Guarantee is our assurance that you will get to closing on time. If your closing date is missed, you will receive a $1500 credit toward closing costs. To be eligible for the Close-on-Time Guarantee, the contract closing date must be at least 25 calendar days after we receive a completed mortgage application, supporting documents, and a fully executed purchase agreement. It is required that you create an account and submit all documentation through Onity's digital loan portal and that all requested items are returned within 24 hours. Eligibility may be impacted by changes in dates or loan terms, changes to credit, income or employment, or failure to meet any contractual requirements from the buyer/seller. The loan must be an Onity Mortgage approved purchase loan product and meet investor guidelines. This offer is not eligible in states where Onity Mortgage is not currently licensed. If we do not close on time and all requirements of the guarantee listed above have been met, you will receive lender credits totaling $1500.
6Escrow Transfer requires that customers are selling a property that is currently serviced by Onity Mortgage and has a positive escrow balance. The house being sold must close within 9 days of the closing of the house being purchased. All individuals listed on the current mortgage must remain the on the new mortgage. Additional limitations may apply.
7Rate 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.
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