Personalized Home Loans Up to $15 Million.

Our competitive mortgage rates, exceptional products and dedicated service deliver the home loan that’s right for your personal needs.

Purchase LoansRefinance Loans

Rates as low as

2.375%3.134%APR5/1 Adjustable Rate Mortgage. Assumes FICO score of 720 and 1.00% Discount Point.Read Disclosures
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The OneWest Advantage

At OneWest Bank, our commitment is to you and your home loan needs. Our team will help you apply for a mortgage to purchase or refinance your dream home using one of our customized jumbo or conforming loans, which offer competitive rates and low down-payment options. We also provide personalized service to help meet your closing needs.

We take pride in offering a wide selection of customized jumbo loans and conforming loans including fixed rate and adjustable rate mortgages with an initial fixed-rate period offering either fully amortizing or interest only payment options along with asset dissipation and cross collateralization options. We look forward to working with you and are dedicated to offering you personalized home loan solutions.

Customized Home Loans

No two homes are the same, so no two home loans should be either. We tailor each home loan to meet your individual financial situations.

Conforming Loans, Jumbo Loans, and Super Jumbo Loans
We offer a wide selection of conforming loans as well as jumbo and super jumbo loans up to $15 million.

Interest-only payment options
Secure a competitive rate and flexible monthly payment option on an adjustable-rate mortgage with an initial fixed-period rate and interest-only payment option.

Low down payment options
As little as 10% down required on loan amounts from $417,001 to $1.5 million. No mortgage insurance required.

Important Disclosures

It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

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

The Portfolio Hybrid Adjustable-Rate Mortgage (ARM) loan products offered by OneWest Bank do not require private mortgage insurance (PMI) and provide home financing up to a 90% loan-to-value (LTV) on home loans from $417,001 to $1.5 million in California.

Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

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