• Refinance rates as low as

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

    5/1 Adjustable-Rate Mortgage

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

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  • 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.

    Product Interest Rate APR Points
    -- -- -- --
    -- -- -- --
    -- -- -- --
    -- -- -- --

    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
    25% of Loan Amountin New Deposits
    0.200% off
    $500K+ Banking Relationshipwith $500,000+ in Deposits
    0.200% off

  • 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

    Jumbo Loans

    Jumbo loans available up to $5 million. Benefits include customized home loans with local decision making. Products include fixed-rate and adjustable-rate mortgages (ARMs) with an initial fixed period. Initial interest-only payment options available on ARMs. Cash out and investment property financing available.

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    Adjustable-Rate Mortgage

    Secure an introductory rate through an adjustable mortgage with a fixed period. We offer initial interest-only payment options on jumbo ARM loans up to 80% loan-to-value. Benefits include competitive rates and a fixed payment for an initial fixed period. Products include Jumbo 5/1, 7/1 and 10/1 ARM

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    Fixed Rate

    Lock in a fixed-rate for the life of the loan. Benefits include competitive rates, predictable monthly payments and protection from interest rate fluctuations. Available on jumbo and conforming loan amounts. Cash out options are available. Wide selection of repayment terms including 30, 25, 20, 15 and 10 year options.

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