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Expert Mortgage Solutions for Every Homeowner.

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Consistent monthly payments with fixed interest rates.

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Loans with flexible rates that adjust after an initial fixed term.

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Affordable options with low down payments for first-time buyers.

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No down payment loans for veterans and active-duty military members.

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Onyx Group Mortgage offers guidance and loans to simplify homeownership.

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Onyx Group Mortgage helps you refinance to lower payments or access funds easily.

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Onyx Group Mortgage helps secure low rates to make homeownership affordable.

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The Onyx Group simplifies homeownership with tailored loans for every buyer.

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Secure Your Financial Future:

Book Your Free Consultation Today!

Take the first step towards homeownership with The Onyx Group. Schedule a complimentary consultation with our experienced mortgage analysts and get personalized guidance on your loan options. Your dream home is closer than you think.

01

I need to know how much I can qualify for

02

What is the difference between Pre-qualify and Pre-approval?

03

Can Loan Lock give me a Pre-approval today?

04

Can Loan Lock give me a Pre-approval today?

05

Can Pre-approval expedite my loan process?

06

I want Loan Lock to start my Pre-approval.

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Book a Call

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Select a Date

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Get a Purchase Pre-Approval Letter!

If you're serious about purchasing a home, you'll find that you will need a pre-approval letter. You can start that process right now and it should only take 30 seconds!

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Break Free from Traditional Lending

Explore Non-QM Loans for Financial Freedom.

Life doesn't always fit neatly into boxes, and neither should your mortgage. If you're self-employed, an investor, or have a financial situation that doesn't fit the traditional mold, Non-QM loans can open doors to homeownership.

1099 Loans

Flexible mortgage solutions for luxury homes, even with unique financial circumstances.

FICO

Credit Score Start at 660

LTV

90%

  • Up to 50% DTI Ratio
  • Interest Only Available
  • Uses 1 or 2 years of 1099 forms to qualify borrowers.

No Ratio DSCR Loans

Focus on property cash flow, not personal income, for better investment opportunities.

FICO

Credit Score Start at 660

LTV

80%

  • 1 to 4 Unit Residential Properties
  • Investment Only
  • FICO = ok 620 min
  • LTV = ok 80% Max
  • Loan amount up to $3.5 Million
  • Vacant Properties

Down Payment Assistance

Get help with your home purchase through our Down Payment Assistance Program

FICO

Credit Score Start at 600

LTV

90%

  • Up to 103% Max LTV*
  • Up to 3.5% of the Appraised Value on FHA Loans
  • FHA Loans
  • LTV* to 90%

Bank Statement Loans

Unlock real estate dreams with flexible income verification from Onyx Group Mortgage.

FICO

Credit Score 660 +

LTV

90%

  • Cash Out up to 80% LTV
  • Primary, 2nd Home, Investment
  • Utilizes 12-24 months of personal or business bank statements to assess income.
  • No Tax Returns required

P&L Loans

Finance based on business success with Onyx Group's P&L loan solutions.

FICO

Credit Score Start at 640

LTV

85%

  • $3 Million Max Loan Amount
  • Primary, 2nd home and Investment
  • Purchase, Rate and Term or Cash out

Bridge Loans

Seamlessly transition to your new home with Our flexible Bridge Loan solutions.

FICO

Credit Score 660 +

Loans up to

$2MM

  • Min. DSCR 1.00
  • Loans to $2MM
  • Interest-Only Available
  • 5-8 Units Allowed/Vacancies Allowed
  • $1M Max Cash-Out
  • Mixed Use Limited to Retail/ Office

ITIN Loans

Secure financing for your U.S. property dreams with Our flexible ITIN Loan solutions.

FICO

Credit Score Start at 640

LTV

97%

  • Loan amounts up to $1.5 Million
  • Qualify with Tax returns or Business Bank Statements
  • Suitable for primary residences, second homes, and investment properties.

Jumbo Non-QM Loans

Get tailored financing for high-value properties, regardless of unique financial situations.

FICO

Credit Score 660 +

Loans up to

$2MM

  • Min. DSCR 1.00
  • Loans to $2MM
  • Interest-Only Available
  • 5-8 Units Allowed / Vacancies Allowed
  • $1M Max Cash-Out
  • Mixed Use Limited to Retail/ Office
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Select Loan Type

Interest Rate

%

Home Price

$

Loan Term

Down Payment

$
$1068.73
Your Monthly Payment Will Be
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Client Testimonials:

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Aloysius Farnon

@afarnon

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Their professional team made the mortgage approval process clear, efficient, and tailored to our financial goals with an affordable home loan option.

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Ana De Armas

@ana.de

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For anyone considering refinancing, I highly recommend The Onyx Group for their competitive mortgage rates and flexible loan options

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Donna Paulsen

@d.paul

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The Onyx Group’s team provided exceptional guidance through the homeownership journey with affordable rates and a personalized loan plan

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Donna Paulsen

@d.paul

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If you’re looking for homeownership assistance, The Onyx Group is the best choice for affordable, low-interest home loans tailored to your needs.

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Ana De Armas

@ana.de

LoanLock Icon the onyx group

The Onyx Group took the stress out of securing a home loan with their expert mortgage solutions and customer-focused approach

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Mortgage Tips

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Anything Unclear or Need Some Help? Relax, We Are Here for You 24/7

Relax and take comfort in knowing that our 24/7 support ensures you're never alone on your financial journey.

Ready to Finance Your Dream Home?

Unlock luxury living and real estate investment with Jumbo Non-QM Loans. Contact The Onyx Group today to explore your financing options.

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NMLS# 397532

(949) 396-1204

17341 Irvine Blvd, Tustin, CA 92780

hello@onyxgroupmortgage.com

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Legal Disclaimer

Onyx Group Mortgage is a division of Ameritrust Mortgage Corporation, NMLS #217229 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for an extension of credit nor a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. For current licensure information, please visit: www.nmlsconsumeraccess.org.

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