(949) 396-1204

Onyx Group Mortgage logo
E Mortgage Capital logo

Strategic Mortgage Advising:

Home Loans & Refinancing Made Simple.

Need a better mortgage strategy? The Onyx Group provides expert mortgage advising for purchase and refinance, ensuring you get the most competitive rates and a clear closing process. We help maximize your savings and equity.

HEI/HEA

HEI/HEA

I need this

Refinance my Home

Refinance my
Home

I need this

HELOC

HELOC

I need this

Home Purchase Loan

Home Purchase
Loan

I need this

Bank Statement Loan

Bank Statement
Loan

I need this

1099 Home Loan

1099 Home
Loan

I need this

Non-QM Home Loan

Non-QM Home
Loan

I need this

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HEI and HEA

Access your home's value, without the monthly payments.

Discover a new way to get the cash you need, powered by your home's equity. A Home Equity Investment is a debt-free solution that puts your home's value to work for you, so you can achieve your financial goals without adding a new bill.

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FREE Refinance Rate Alerts

Never Miss a Money-Saving Opportunity

Get instant notifications when mortgage rates drop below yours. Our professional monitoring system tracks 50+ lenders continuously. There's no commitment, just alerts when you need them.

HEIHEADSCRRefinanceLow Rates

Step 1:
Quick Registration

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Provide your mortgage details in our secure 2-minute form.

Step 2:
AI Monitoring Starts

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Our system begins tracking rates and analyzing opportunities for you.

Step 3:
Instant Alerts

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Get notified within 2 hours when rates drop with exact savings calculations.

Step 4:
Expert Support

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Our specialists help you lock in savings with streamlined refinancing.

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Secure Your Financial Future:

Book Your Free Consultation Today!

Take the first step towards homeownership with The Onyx Group Mortgage. 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 Onyx give me a Pre-approval today?

04

Can Onyx give me a Pre-approval today?

05

Can Pre-approval expedite my loan process?

06

I want Onyx to start my Pre-approval.

Onyx

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.

Learn More

Apply

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

Learn More

Apply

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%

Learn More

Apply

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

Learn More

Apply

P&L Loans

Finance based on business success with Onyx Group Mortgage'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

Learn More

Apply

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

Learn More

Apply

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.

Learn More

Apply

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

Learn More

Apply

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Current Loan

Your existing mortgage

1Y30Y

29 Years

New Loan

Refinance details

Rate Difference: 2.50% ↓ Lower

Typically 1% to 1.5% of loan amount

Refinance Price Comparison Calculator

$4,880
Monthly Payment
Monthly
$1,469
Saved per month
+23.1%
Interest
$452,542
Interest saved
+33.3%
Break-Even
2.4
Months to profit
2.4m
Savings %
23.1%
Payment Reduction
+23.1%

Total Life Time Saving

$449,042

You could save this much over your loan term!

Payment Comparison

Current Payment

$6,348

8.1% • 29 Years
↑ 23.1%

Refinanced Payment

$4,880

5.6% • 30 Years
↓ 23.1%

You're Saving

$1,469

per month

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Client Testimonials:

Onyx-GM Icon

Aloysius Farnon

@afarnon

Onyx-GM Icon the Onyx Group Mortgage

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

Onyx-GM Icon

Ana De Armas

@ana.de

Onyx-GM Icon the Onyx Group Mortgage

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

Onyx-GM Icon

Donna Paulsen

@d.paul

Onyx-GM Icon the Onyx Group Mortgage

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

Onyx-GM Icon

Donna Paulsen

@d.paul

Onyx-GM Icon the Onyx Group Mortgage

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

Onyx-GM Icon

Ana De Armas

@ana.de

Onyx-GM Icon the Onyx Group Mortgage

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

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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.

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Embark on Your Homeownership Journey with Oynx

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Customer Service

Please provide your query, and we will assist you as quickly as we can.

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Contact us for timely assistance, & we’ll be glad to help.

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Ready to Finance Your Dream Home?

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

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NMLS# 397532

E Mortgage Capital logo

NMLS# 1416824

NMLS# 397532

(949) 396-1204

18071 Fitch Ste. 200 Irvine, CA 92614

kkennedy@emortgagecapital.com

Onyx Group Mortgage

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Legal Disclaimer

Onyx Group Mortgage is a division of Onyx, NMLS #397532 located at 6 Hutton Centre Drive, Suite 1030, Santa Ana, CA 92707. Onyx 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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