• Reward yourself with
    $525 Cash Back
    on your next funded loan with OneWest Bank.*

    Special Offer for OneWest Deposit Customers. Cash Back will be deposited into your OneWest Bank account within 45 days of loan funding date.

    See all eligibility requirements below.

    Contact Usor call 1.866.246.3962 for a no obligation quote
    For Sale Sign with House Behind Inside Teal Circle
  • Want a better mortgage rate than you can find online?

    CommunityPLUS

    Preferred pricing. Local benefits.

    Preferred pricing to lower rate or reduce closing costs on conforming home loans in participating areas.

    Relationship Benefits

    Lower your mortgage rate while earning a top savings rate.
    • 0.10% off your mortgage rate
      with 10% of loan amount in new deposits
    • 0.20% off your mortgage rate
      with 25% of loan amount in new deposits

    Special FHA Offer

    Ask your loan officer for details.

    Special FHA Offer available to borrowers who meet income and assessment area requirements for eligibility.

    Get Extra Savings on Your Mortgage

    Contact Us
  • Home Loan Products

    Jumbo Loans

    Purchase your dream home with a jumbo loan up to $5 million. Benefits include customized home loan decision making. Loan products include fixed-rate and adjustable-rate mortgages (ARMs) with an initial fixed-rate period offering either amortizing or interest only payment options.

    Purchase with a Jumbo Loan
    Refinance with a Jumbo Loan

    Adjustable-Rate Mortgage

    Purchase your new home with a competitive introductory rate on an adjustable-rate mortgage (ARM) with an initial fixed-rate period. Benefits include competitive rates and low payments for an initial fixed-rate period. Initial interest-only payment options are available for jumbo loans.

    Purchase with an Adjustable-Rate Loan
    Refinance with an Adjustable-Rate Loan

    Fixed Rate

    Secure a competitive fixed-rate mortgage on your new home. Available on conforming and jumbo loan balances. Benefits include competitive rates, predictable monthly payments and protection from interest rate fluctuations. There are a wide selection of repayment terms available including 30, 25, 20, 15 and 10 year options.

    Purchase with a Fixed Rate
    Refinance with a Fixed Rate

  • Know Before You Owe

    Owning a home is a major financial decision that can feel exciting yet intimidating. It's important to explore the benefits and costs associated with homeownership. Review these important tips to prepare yourself before you start the home-buying process, including:

    • Pros and cons of home ownership
    • Common costs associated with home ownership
    • Steps to get started with the home buying process
    Learn More
  • Get a Call from a Home Loan Expert

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    By clicking on the SEND button above, you are providing express "written" consent for OneWest Bank to call you (including through automated means; e.g., autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS - charges may apply) and/or email, even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list regarding this specific inquiry. Note that any current or future Do Not Call request on file with us will be honored with regard to unsolicited contact. Consent is not required as a condition to utilize OneWest Bank’s services.

  • Important Disclosures

    Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

    1$525 Cash Back Eligibility Requirements: This offer available for new, first lien residential refinance or purchase mortgage loans funded by CIT Bank or OneWest Bank. $525 cash back will be deposited into your OneWest Bank or CIT Bank account within 45 days of the loan funding date. If you do not have a OneWest Bank or CIT Bank account, you must open one before your loan funds in order to receive this cash back offer. This offer is limited to one $525 Cash Back payment per loan. The $525 Cash Back offer may not be altered and may be discontinued at any time without notice. The value of this offer may be reported to the IRS and the customer is responsible for any federal, state or local taxes.

    This offer is limited to one $525 cash back payment per loan. The $525 cash back offer may be discontinued at any time without notice. The value of this offer may be reported to the IRS and the customer is responsible for any federal, state or local taxes.

    2To qualify for the 0.20% mortgage rate discount, you must deposit 25% of the loan amount (not including borrower funds to be used for down payment or funds to close) in new deposits into a OneWest Bank or CIT account. To qualify for the 0.10% mortgage rate discount, you must deposit 10% of the loan amount (not including borrower funds to be used for down payment or funds to close) in new deposits into a OneWest Bank or CIT Bank account. New deposits are defined as funds not as deposit or help in an OneWest Bank or CIT Bank account at, or within 90 days prior to, the time of new account opening. Mortgage rate discounts are taken off the rate on fixed-rate mortgages and off the initial fixed rate on adjustable-rate mortgages. Only new loans funded with OneWest Bank or CIT Bank are eligible for mortgage rate discounts.

    This offer is not a commitment to lend. All loan programs are subject to review and approval of credit and collateral. Rates and terms are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations may apply.