Onyx Group's Loan Process

• Diverse Loan Programs:

  We offer a wide range of loan programs to cater to various needs and financial situations.

• Conventional, FHA, VA, and Jumbo Loans:

  Whether you're a first-time homebuyer or looking to upgrade, we have competitive rates and terms for traditional mortgage options.

• Non-QM Loans:

  We specialize in serving self-employed borrowers and those with unique financial circumstances with our flexible Non-QM loan options, including bank statement loans, 1099 loans, and asset utilization loans.

• Investment Property Loans:

  We offer specialized financing solutions for real estate investors, including DSCR loans and portfolio loans.

Standard Documentation:

• Income Verification:

  Pay stubs, W-2s, tax returns, or bank statements (for self-employed borrowers).

• Asset Documentation:

  Bank statements, investment account statements, and other proof of assets.

• Credit Authorization:

  Permission for us to pull your credit report.

• Identification:

  A valid government-issued photo ID.

Additional Documentation: Depending on your specific loan program and circumstances, you may need to provide additional documentation, such as:

Gift letters

Divorce decrees

Bankruptcy paperwork

Self-employment documentation

• Secure Online Portal:

  We offer a secure online portal where you can track the status of your application, upload documents, and communicate with your loan officer.

• Real-Time Updates:

  You'll receive timely updates on your loan's progress and any required actions.

• Convenient Access:

  Access your loan information anytime, anywhere, from your computer or mobile device.

• Experienced Closing Specialists:

  Our dedicated closing team works diligently to coordinate with all parties involved, ensuring a seamless and timely closing.

• Clear Communication:

  We'll provide clear instructions and explanations of all closing documents and procedures, ensuring you're well-prepared and informed.

• Attention to Detail:

  We meticulously review all paperwork to minimize errors and prevent any last-minute surprises.

• Focus on Your Satisfaction:

  Our goal is to make your closing day a positive and memorable experience, marking the beginning of your exciting homeownership journey.

• Personalized Service:

  We prioritize building relationships with our clients, understanding their unique needs, and tailoring solutions to their specific circumstances.

• Expert Guidance:

  Our team of experienced mortgage advisors provides in-depth knowledge and support throughout the loan process.

• Competitive Rates and Terms:

  We leverage our strong lender relationships to secure the most favorable rates and terms available.

• In-House Underwriting:

  Our in-house underwriting team allows for faster approvals and greater flexibility.

• Transparent and Efficient Process:

  We've streamlined our loan process to minimize paperwork and ensure a smooth and timely closing.

• Commitment to Customer Satisfaction:

  We prioritize your needs and strive to exceed your expectations at every stage of the loan journey.