Refinance rates as low as

3.525%Month 1-60  4.500%Month 61-360  4.193%APR
5/1 Adjustable-Rate Mortgage. Assumes FICO score of 720 and 0.000 % Discount Point.
Read Disclosures

5/1 Adjustable-Rate Mortgage

  • Personalized Service
  • Custom Solutions
  • Wide Selection of Home Loans

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Did you know? OneWest Bank offers custom refinance jumbo loans up to $5 million. Call us today to find out how we can help you. Leverage our E-FLOW® advantage.

Refinance Options Tailored for You

Refinancing your mortgage is a way to potentially lower your interest rate and monthly mortgage payment, switch to a fixed-rate, consolidate debt or use a portion of the available equity in your home to finance major expenses. We understand each homeowner and refinance is unique, and we are proud to offer a diverse selection of refinance loans tailored your specific goals.

We offer a wide selection of refinance home loans that include fixed rate and adjustable rate mortgages with an initial fixed-rate period offering either fully amortizing or interest only payment options and high loan-to-value options. For special situations, we also have cross-collateralization options and underwriting based on asset dissipation.

Competitive Mortgage Rates

Our competitive mortgage rates and wide selection of conforming and jumbo loans can save you money when you refinance.

Pricing Discounts


Using OWB or CIT Account


First Time Home Buyer


New Relationship

10% Loan Amount in Deposits


$500K+ Banking Relationship



Customers are only eligible for one of the available rate discounts. Discounts cannot be comibined. The discount applies to the rate on Fixed-Rate Mortgage and the initial fixed-rate on Adjustable-Rate Mortgages.


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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