Get the Power of Pre-Approval

Enhance your purchase offer with a fully underwritten OneWest Bank preapproval.

A preapproval could be the deciding factor in buying a new home.

Obtain a credit preapproval from OneWest Bank and establish the terms of the loan you can qualify for and reduce the chances of any unpleasant surprises arising during the closing of your loan. In addition to the peace of mind it also shows the seller that you are a serious buyer because you’ve already met the lender’s credit and income requirements. This can be a differentiating factor for the seller when evaluating multiple offers received on a home and may increase the likelihood of your offer being accepted.

To get started fill out the form on the right or contact us at 1.866.246.3962.

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.

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.

The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

Home Loan Products

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