Book a Counseling Appointment
Onyx Group Mortgage Experience the Difference with Personalized Service, In-House Underwriting, and Flexible Loan Options
Choosing the right mortgage lender is a critical decision that can significantly impact your homeownership journey. In a sea of options, Onyx Group Mortgage stands out with its commitment to personalized service, in-house underwriting, and flexible loan programs tailored to your unique needs. We understand that every borrower is different, and we're dedicated to providing a mortgage experience that exceeds expectations.
Dedicated Mortgage
Advisors
Unlike large, impersonal banks, we assign you a dedicated mortgage advisor who will guide you through every step of the process, answering your questions and providing personalized recommendations.
Understanding Your
Needs
We take the time to understand your financial goals and circumstances, tailoring loan solutions that fit your unique situation.
Local
Expertise
As a local lender, we have in-depth knowledge of the San Diego housing market and can offer valuable insights to inform your decisions.
Dedicated Mortgage
Advisors
Unlike large, impersonal banks, we assign you a dedicated mortgage advisor who will guide you through every step of the process, answering your questions and providing personalized recommendations.
Understanding Your
Needs
We take the time to understand your financial goals and circumstances, tailoring loan solutions that fit your unique situation.
Local
Expertise
As a local lender, we have in-depth knowledge of the San Diego housing market and can offer valuable insights to inform your decisions.
Schedule a Meeting
Get Expert Mortgage Advice.
Book Your One-on-One Consultation Now!
You have questions, we have solutions.
Book a Call
Strategy Call with undefined
undefinedMin Call
Select a Date
Select a Time
In-House Underwriting: Faster Approvals, Greater Flexibility
We adhere to the highest ethical standards in our lending practices:
Expedited Process: Our in-house underwriting team allows for quicker loan decisions and potentially faster closing times, keeping your homeownership dreams on track.
Tailored Solutions: In-house underwriting enables us to consider unique circumstances and offer flexible solutions that other lenders may not be able to accommodate.
Transparent Communication: You'll have direct access to our underwriters for any questions or concerns, ensuring clear and open communication throughout the process.
In-House Underwriting: Faster Approvals, Greater Flexibility
We adhere to the highest ethical standards in our lending practices:
Expedited Process: Our in-house underwriting team allows for quicker loan decisions and potentially faster closing times, keeping your homeownership dreams on track.
Tailored Solutions: In-house underwriting enables us to consider unique circumstances and offer flexible solutions that other lenders may not be able to accommodate.
Transparent Communication: You'll have direct access to our underwriters for any questions or concerns, ensuring clear and open communication throughout the process.
Comparing Onyx Group Mortgage to Other Lenders
Feature | Onyx Group Mortgage | National Banks | Online Lenders |
Personalized Service | High | Low | Low |
Local Expertise | High | Low | Low |
In-House Underwriting | Yes | Often Low | Often Low |
Loan Program Variety | High | Moderate | Moderate |
Flexible Qualification Criteria | High (Non QM Options) | Low | Moderate |
Speed of Approval | Fast (in-house underwriting) | Moderate | Can Vary |
Transparency / Communication | High | Moderate | Can Vary |
Community Involvement | High | Low | Low |
Feature
Personalized Service
Local Expertise
In-House Underwriting
Loan Program Variety
Flexible Qualification Criteria
Speed of Approval
Transparency / Communication
Community Involvement
Onyx Group Mortgage
High
High
Yes
High
High (Non QM Options)
Fast (Non QM Options)
High
High
National Banks
Low
Low
Often Low
Moderate
Low
Moderate
Moderate
Low
Online Lenders
Low
Low
Often Low
Moderate
Moderate
Can Vary
Can Vary
Low
Comparing Onyx Group Mortgage to Other Lenders
Feature | Onyx Group Mortgage | Online Lenders |
|---|---|---|
Personalized Service | Dedicated mortgage advisor for tailored solutions and support. | May be assigned to different representatives throughout the process, leading to potential miscommunication and delays. |
In-House Underwriting | Faster approvals, greater flexibility, and direct communication with underwriters. | May outsource underwriting to third parties, leading to potential delays and less personalized service. |
Flexible Loan Options | Wide range of loan programs, including Non-QM options for self-employed borrowers and investors. | May have limited loan options, primarily focusing on traditional mortgages for borrowers with W-2 income. |
Competitive Rates and Terms | Leverage strong lender relationships to secure the best possible rates and terms. | May have limited access to competitive rates or less flexibility in negotiating terms. |
Transparent Fees | Upfront and honest communication about all costs and fees, no hidden surprises. (Non QM Options) | May have hidden fees or less transparent pricing structures. |
Customer Satisfaction | Prioritize building relationships and ensuring a positive experience throughout the loan process. | May prioritize volume over personalized service, leading to a less attentive and supportive experience. |
Flexible Loan Options:
Meeting Diverse Needs
Non-QM Loans
We specialize in Non-QM loans, including bank statement loans, 1099 loans, and asset utilization loans, to serve self-employed borrowers and those with non-traditional income sources.
Jumbo Loans
We offer competitive rates and terms for jumbo loans, allowing you to finance high-value properties.
Investment Property Loans
Our DSCR loans and portfolio loans empower real estate investors to grow their portfolios and maximize their returns.
Competitive Rates and Transparent Fees:
No Hidden Surprises
Market-Leading Rates: We leverage our strong lender relationships to secure the most competitive rates available.
No Hidden Fees: We believe in transparency and will provide you with upfront, honest communication about all costs and fees associated with your loan.
Closing Cost Assistance: We may offer lender credits or other incentives to help offset closing costs in certain situations.
Competitive Rates and Transparent Fees:
No Hidden Surprises
Market-Leading Rates: We leverage our strong lender relationships to secure the most competitive rates available.
No Hidden Fees: We believe in transparency and will provide you with upfront, honest communication about all costs and fees associated with your loan.
Closing Cost Assistance: We may offer lender credits or other incentives to help offset closing costs in certain situations.
Customer Satisfaction: Our Top Priority
Client-Centric Approach: We prioritize your needs and satisfaction throughout the entire loan process.
Responsive Communication: We're readily available to answer your questions and address any concerns in a timely manner.
Proven Track Record: Our numerous positive client testimonials and reviews speak to our commitment to exceptional service and successful outcomes.
Frequently Asked Questions
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.
Refinance Home Loans
Home Refinance Process
Cash Out Refinance
Investment Property Refinance
Reason to Refinance
Refinance Costs and Fees
Refinance Non QM Home Loans
Types of Home Financing
When to Refinance your Home
Non-QM Loans
DSCR Loans
Jumbo Non-QM Loans
1099 Loans
ITIN Loans
Bank Statement Loans
Asset Utilization Loans
Bridge Loans
P&L Loans
Home Purchase Loans
Fixed-Rate Mortgage
Adjustable Rate Mortgage
FHA Loan Requirements
VA Loan Eligibility
Jumbo Loan Options
Construction Loan Process
Bridge Loan for Homebuyers
First Time Home Buyer
Legal Disclaimer
Onyx Group Mortgage, a division of Ameritrust Mortgage Corporation (NMLS #217229), is located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Please note that Ameritrust Mortgage Corporation does not offer legal, tax, or financial advice, nor is it affiliated with any government agency. www.nmlsconsumeraccess.org.
© The Oynx Group LLC. All Rights Reserved - Powered by Maple54
- Contact Us
- Our Locations
- Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
NMLS# 397532
(949) 396-1204
17341 Irvine Blvd, Tustin, CA 92780
hello@onyxgroupmortgage.com
Refinance Home Loans
Non-QM Loans
Home Purchase Loans
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.
Terms & Conditions | Privacy | State & Licensing
© The Oynx Group LLC. All Rights Reserved - Powered by Maple54