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 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.
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.
Onity Mortgage Corporation is a mortgage lender and does not offer real estate services. The home search website facilitated by Onity provides an additional service to you, and allows you to search for homes, see current home valuations and find a real estate agent. No mortgage lending activity takes place on the website.
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 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.
Onity Mortgage is solely a mortgage lender and does not offer real estate brokerage services. Realtor services are offered exclusively through third-party providers, specifically Clever Real Estate, Inc. ("Clever") and JMG. These providers and their associated Cash Rewards are not affiliates of Onity Group or its subsidiary, Onity. Customers connected with an Expert Edge agent through either Clever or JMG are eligible for a 30% gross agent commission in cash back rewards on purchase homebuying transactions. Reward eligibility is subject to exclusions, including AK, IA, KS, LA, MO, MS, OK, OR, TN. Use of Expert Edge is an optional service and not a requirement of any loan. Onity Group is not responsible for the payment of the cash rewards. No mortgage lending activity takes place through the Expert Edge interface.
Lock 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.
Escrow 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.
The 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.
The lender credit is only available to borrowers who qualify for a new mortgage loan through Onity Mortgage. To be eligible for the Rate Redo, the initial loan application must be a funded loan with a completed application date before March 31, 2027. The subsequent refinance must be on the same property as the initial loan and have an application date within twelve months of the initial loan’s fund date. The credit of up to $1,800 will be provided as a general lender credit or credited towards specific closing costs as reflected on the final Closing Disclosure. One-time Rate Redo per property. Lender credit not to be combined with any other offers. Credit may be less than $1,800 on certain loans due to program requirements. Lender credit does not apply to FHA Streamline loans as specific closing costs do not apply on those loan types.
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