Mortgage loans are subject to credit approval. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. 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.
*$50 gift card offer valid on new, fully pre-approved purchase loan applications submitted and approved by 7/31/2026 with Onity Mortgage. One gift card per loan. Gift card will be delivered electronically within two (2) weeks of full pre-approval. No cash value available.New York: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Not available for New York consumers, NY residents click here.