Exclusive benefits that lower your costs and protect your rate.
1% Rate Drop
We'll drop your rate by 1% for the first year, providing immediately monthly savings.5
Loyalty Lock-In
We'll beat any offer on a new loan or pay your mortgage for one month!4
Rate Redo
If rates drop later, you can refinance with us and we’ll cover the lender fees.6
Agent CashBack Frequently Asked Questions
There is no additional cost to participate with Agent CashBack.
Buyers earn 0.50% of the purchase price. Sellers earn 0.50% of the sale price. Do both and save on both.
What does that look like in real dollars? On an $800,000 home, that would be $4,000 on a sell or $4,000 on a home purchase. Buying and selling at that same price would mean up to $8,000 total cash back.
Your cash back benefits are tied to working with a matched CashBack agent. We only partner with top performing, highly rated agents in your market.
Agent CashBack is available in most states. Availability may vary based on agent coverage and state regulations.
No. Your rewards are separate from your mortgage. You can still take advantage of Onity’s competitive rates and purchase benefits.
Your cash benefit will be sent out by the agency to which you're referred after the loan closes.
1As 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: 2To 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.
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.
3For same-day Pre-Approval, you must connect with a loan officer and provide all required information for review before 1 pm EST.
4Loyalty 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.
5The 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.
6Rate 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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Chat with us to start your home purchase pre-approval before this offer ends July 31!
