• We offer a wide selection of Conforming Loans.

    At OneWest Bank, we understand that no two homes are the same, so no two home loans should be either.

    We offer a wide selection of conforming loans with competitive rates and a variety of repayment terms to suit your individual needs.

    A conforming loan has terms and conditions that meet certain guidelines established by Fannie Mae and Freddie Mac. One of the basic requirements of a conforming loan is that the loan amount be under the current maximum limit of $453,100 for a one-unit residential property, however, higher maximums may be applicable based on the property location. High cost area’s offer a higher maximum loan amount and to learn more about high cost areas and the maximum conforming loan amounts available in these areas please contact a Mortgage Lending Specialist or look up the high cost loan limits provided by Fannie Mae.

  • Product Interest Rate APR Points
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    Advertised interest rates and APR assumes excellent credit score.
    As of --. Read Disclosures.

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  • MORTGAGE RATE DISCOUNTS


    LOWER YOUR MORTGAGE RATE BY 0.100%
    Automatic Monthly Mortgage Payments
    Using an existing OWB or CIT account
    Save even more and combine with one other mortgage rate pricing discount:
    -
    New Banking Relationshipwith 10% of Loan Amount in New Deposits
    0.100% off
    OR
    New Banking Relationshipwith 25% of Loan Amount in New Deposits
    0.200% off
    OR
    $500K+ Banking Relationshipwith $500,000+ in Deposits
    0.200% off
  • Conforming Loan Features from OneWest Bank:

    • Loan amounts on one unit properties up to $453,100 or the applicable high cost limit.
    • Financing on primary residences, second/vacation homes, and investment properties of one to four unit residential properties.
    • Home Equity financing.

    Conforming Loan Services Include:

    • Underwriters who understand complex financial situations.
    • Local and timely decision-making.
    • Dedicated Mortgage Lending Specialists assigned to all transactions.
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  • Important Disclosures

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