Home Purchase
How it Works

Choosing the right mortgage product is an important decision. Over the life of your mortgage, even a half percent can easily translate into $40,000 in savings. Our mission at ONYX is to deliver only the best rates, in the most convenient way possible.

  • 1

    Obtain an instant quote
    (1 min)

  • 2

    Apply for a loan
    (12 min)

  • 3

    Get an online approval within 24 hours

  • 4

    Bid on your new home with confidence

  • 5

    Close your loan twice as fast as the industry average

Free Credit Report & Monitoring

Not sure what your FICO score, or credit history looks like? We can help. ONYX Direct, in partnership with Certified Credit Agency, provides customers who want to get pre-approved for a mortgage a free three-month membership to iTrackMy-Credit that allows you to obtain your credit report, check your FICO score, constantly monitor your credit file for any adverse changes, and guard you against identity theft by scanning 3rd party databases. If you do discover an error, we can help you fix it.

Save on Closing Costs

As an added benefit for using one of the Realtors from our certified list, you will receive a 0.5% credit that you can use to pay for your closing cost. On a $500,000 purchase, that’s $2,500 more in savings. There are many benefits of using a Realtor that is experienced and knowledgeable. If you need help finding one; let us recommend several names in the area you are looking to buy. We constantly maintain a certified independent network of Real Estate Companies and Realtors. Not affiliated to ONYX Direct.

Have Questions?
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Disclosed rate assumes a $300,000 rate and term refinance loan on an owner-occupied single family residence, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify for a loan but higher rates may apply. 5/1 ARM is fixed for the initial 5 years. The fully indexed rate is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Rate is variable and subject to change after 5 years. Subject to underwriting approval. Not all applicants will qualify.
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