Have a question or need additional information? Visit our Contact Us page

Onity Mortgage's lock and extension policies can be located in Chapter 4 of the Seller Guide. The Seller Guide, along with other tools and resources, can be found in TPO Connect. To get log in credentials for TPO Connect, please contact a member of our sales team. 

Our top three common pre-purchase conditions are listed below:

1. Initial upload missing required documents. Onity Mortgage requires the entire credit and closing file to review prior to purchase, however, the following documents must be included in the initial submission to move the loan into review:

• Initial and final application
• Loan Estimate
• Final Closing Disclosure
• Copy of original Note Unrecorded Mortgage/DOT
• Title Commitment
• Right of Rescission (if rescindable transaction)

2. Missing or incomplete fraud report. Onity Mortgage requires a copy of the Client’s clear fraud report which includes all participants to the loan transaction.

3. Incomplete Verbal Verification of Employment. The VVOE must include the employer’s phone number and the source used to obtain the phone number.

Onity Mortgage offers Agency, Government and Non-Agency products. As well as several delivery methods.

Onity Mortgage underwrites to standard agency guidelines. To find assistance with unique situations such as Resident Immigration status, New Construction Tax Estimation, etc., visit the Underwriting Reference Documents in TPO Connect. To get log in credentials for TPO Connect, please contact a member of our sales team. 

Any questions regarding a delivered loan can be escalated to your Correspondent Specialist. If you are unaware of the Correspondent Specialist assigned to your account, please see the Quick Reference Sheet.