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O1ne MortgageNMLS #1906814California DFPI #60DBO-106598

Important information about rates

Not an offer, a commitment, or a rate lock. Any rate, payment, term, or cash amount shown here or discussed with us before a completed loan application is provided for general information only. It is an illustration, not an offer of credit, not a commitment to lend, and not a rate lock. Nothing on this page obligates O1NE MORTGAGE INC to extend credit on any terms.

Based on what you told us, which we have not verified. Figures shown are calculated from the answers you provide — including your own estimate of your credit, your property value, and your outstanding balances. No credit report is obtained from this questionnaire, no Social Security number is requested, and none of your answers are verified at this stage. If any of them differ from what verification shows, the rate and terms available to you will differ too, and may differ significantly.

Rates move, every day. Mortgage interest rates and pricing change continuously with the market and can change more than once in a single day. A rate quoted at one moment may not be available at the next. Rates, points, fees, programs, and eligibility requirements are subject to change or withdrawal at any time without notice.

Your actual rate depends on much more than a credit band. Pricing is determined by your verified credit score and credit history, loan amount, loan-to-value ratio, combined loan-to-value on any second lien, property type, property use (primary residence, second home, or investment), occupancy, debt-to-income ratio, income and asset documentation, reserves, loan purpose, term, discount points paid, lock period, and the specific investor program you qualify for. A change in any one of these changes the price.

The rate you can rely on comes later. A rate can only be locked after you submit a complete loan application, authorize and complete a credit report, and provide supporting documentation, and after the loan is priced and approved. At that point you receive a Loan Estimate disclosing the actual rate, the annual percentage rate (APR), the payment, and the closing costs, and a rate that is locked will not change for the term of that lock, subject to the terms of the lock agreement.

Interest rate and APR are not the same number. The interest rate is the cost of borrowing the principal. The APR reflects the interest rate together with certain fees and costs, expressed as a yearly rate, and is usually higher. Comparing an interest rate against an APR will misstate the difference between two offers.

Payments shown are not your full housing payment. Any monthly payment illustrated reflects principal and interest only unless it says otherwise. It does not include property taxes, homeowners insurance, flood insurance where required, mortgage insurance, or homeowners association dues. Your actual monthly obligation will be higher.

Not everyone qualifies. All loans are subject to credit approval, income and asset verification, satisfactory appraisal, title review, property eligibility, and program guidelines. Products and terms are not available in every state or for every property, and are offered only where O1NE MORTGAGE INC is licensed.

On a refinance or a second mortgage. Refinancing or taking a second lien may increase the total finance charges over the life of your loan, may extend the period over which you repay, and uses your home as security. If you do not meet your obligations you could lose your home. Consolidating other debt into a mortgage converts unsecured debt into debt secured by your home.

O1NE MORTGAGE INC.
NMLS #1906814
California DFPI #60DBO-106598
1906 W. Garvey Ave S., Suite 200, West Covina, CA 91790
Contact wording in force: o1ne-contact-consent-2026-09-16-v3, approved by George Kfoury, effective 2026-09-16.

O1NE MORTGAGE INC · NMLS #1906814 · California DFPI #60DBO-106598 · Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Verify our licensing at the NMLS Consumer Access website.