Are you looking to buy a new home but worried your payments will be too high? If so, you may want to consider a purchase temporary mortgage buydown. A temporary mortgage buydown is a financing option that allows you to obtain a lower interest rate for the first few years of your mortgage. This can help you to keep your monthly payments more affordable and make your dreams of buying a new home a reality. What is a Temporary Mortgage Buydown?A temporary buydown is a mortgage financing...
READ MOREAn important part of shopping for a new home is knowing how much you can afford. A Mortgage Pre-Approval helps you shop for homes within your budget, and helps your offer stand out once you find a home. We’ll go over the what, why, and how of getting a Mortgage Pre-Approval for your new home.Learn all about the benefits of an Onity Mortgage Pre-ApprovalIs There A Difference Between A Mortgage Pre-Qualification and Pre-Approval?A pre-qualification and pre-approval are both ways to...
READ MORENow Available! The Onity Mobile App Managing your account on the go has never been easier! Download our secure mobile app today. You'll find all the same features and functionality that is available on OnityMortgage.com: Make paymentsView your documentsSend us a secure messageSee information about your neighborhoodand more! Logging in is easy. You can use the same username and password on our website or mobile app. With biometric log in, like FaceID or fingerprints, you can...
READ MOREIf you are experiencing any issues opening PDF documents from our website, here are some of the most common reasons to consider: Your device doesn't have a PDF reader installed.Your PDF reader or preferred program is out of date and needs an update.Your PDF application is potentially damaged or needs to be rebooted. Here are other helpful troubleshooting tips to try: Pop-Up Blockers: Check your browser to ensure Pop-Ups are “Always Allowed". This is the most common...
READ MORENobody likes to be surprised by unexpected fees. Learn more about some of the most common fees that may be charged to your account, and potential options to avoid them.
READ MOREMany homeowners prioritize paying off their mortgage quickly. Making biweekly mortgage payments is one way to reduce interest costs and shorten the loan term.What Are Biweekly Mortgage Payments?Biweekly mortgage payments involve splitting your regular monthly mortgage payment in half and paying that amount every two weeks. Since there are 52 weeks in a year, this results in 26 half-payments—or the equivalent of 13 full monthly payments—instead of the standard 12. These two extra...
READ MOREManaging bills each month can be a daunting task, especially when juggling multiple financial commitments. One effective strategy to streamline this process is setting up automatic payments. Automatic payments, also known as ACH or auto-debits, allow customers to authorize a company to automatically deduct the regular mortgage payments from their bank account. We call this service Autopay. This hassle-free service allows you to set it up and not have to worry about forgetting to make your...
READ MOREHomeowners across the country are looking for smarter ways to manage their finances—starting with their home loans. One of the most effective ways to cut costs, improve terms, and unlock cash flow is to refinance your mortgage. With changing mortgage rates and evolving financial needs, this year may be the perfect time to consider a refinance.Here are the top 5 reasons why refinancing your mortgage in 2026 could be a game-changer for your financial health.Take Advantage of Lower...
READ MOREIf you've come into some extra money - maybe from a bonus, inheritance, or tax return - a mortgage recast could be a smart way to lower your monthly payments without changing your loan terms.
READ MOREBuying a home is one of the biggest financial decisions you’ll ever make, and proper planning is key. A mortgage calculator can be your best friend when it comes to home loan planning. It gives you a clearer picture of your monthly payments, total interest costs, and how different factors impact your loan. What Is a Mortgage Calculator?A mortgage calculator is an online tool that helps estimate your monthly mortgage payment based on the home price, loan term, interest rate, down...
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