Redefining Mortgages Lending

Empowering Homeownership

Onece upon a time, in the wake of the subprime financial crisis, a visionary named Harry Oh founded OnY Glo, Inc. This was the beginning of a remarkable journey towords redefining the world of morgage landing. OnY Glo, headquartered in the picturesque Orange Country, California, had a mission-to provide clients with not just loans,but superior loan products infused with transparency and integrity.

But OnY Glo was no ordinary mortgage company; it was a fusion of technology and human touch. We believed in streamlining and transforming the mortgage experience, all while maintaining the highest standards of customer service and transparency. Our commitment to innovation became the cornerstone of their substantial growth without compromising their core principles.

Over the course of a decade, OnY Glo achieved something truly extraordinary. They funded over $10 billion in home loans, opening doors to homeownership for countless clients nationwide. With licenses in 41 states, OnY Glo served both wholesale and consumer direct channels under various aliases: LoanLock, LoanLock Prime, Capitalend Home Loans, and OGI Mortgage Bankers. Our passion and ambition knew no bounds as we continued to expand our lending footprint, aiming to reach every corner of the United States.

But what set OnY Glo apart was not just their numbers; it was our amazing and dedicated people. A team of diverse, dedicated, and passionate mortgage professionals worked tirelessly to ensure that homeownership was within reach for all, especially those in underserved communities. This commitment was evident in their wide range of product offerings and inclusive hiring practices.

Elevating Mortgage Lending Through Effiiency and Seamlessness

Commitment to Efficiency

What set LoanLock apart was its commitment to efficiency. As a direct lender, we processed and underwrote loans in-house, ensuring that approval decisions were not just quick, but stress-free.

Seamless Loan Experience

Our singular goal was to deliver a seamless loan experience, every time, for every borrower.

And so, our story of OnY Glo and LoanLock continues, a tale of dedication, innovation, and a relentless pursuit of excellence in the world of mortgage lending. With each passing day, we inch closer to their goal of making homeownership dreams come true and being the BEST LENDER in the eyes of their cherished clients. Learn more about our remarkable journey at LoanLock , where the future of homeownership unfolds.

As the years passed, OnY Glo, Inc. remember steadfast in its mission.

Our goal was clear - to create value for every client and make a positive impact on the community. We aspired to be more than just a lender; they wanted to be the BEST LENDER in the hearts and minds of all their clients. Amidst this journey, a shining star emerged - LoanLock. This premier direct-to-consumer mortgage lender, based in sunny Southern California, quickly gained recognition for its exceptional service . LoanLock extended its helping hand to everyone, from first-time homebuyers embarking on a new chapter to seasoned real estate investors making strategic moves.

Five commons

Home Buying Myths

01

I Do Not need 20% down to buy a home.

02

I Do Not need perfect credit to buy a home.

03

I Do need a dedicated Loan Agent.

04

A 30-year, fixed-rate mortgage is not always the best.

05

Buying a home is always better than renting.

06

Ask a Loan Office to compare FHA vs Conventional.

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Our Loan Programs

5 - 8 UNIT

MIXED USE DSCR
  • 660+ FICO
  • Min. DSCR 1.00
  • Loans to $2MM
  • Interest-Only Available
  • 5-8 Units Allowed
  • $1M Max Cash-Out
  • Mixed Use Limited to Retail/ Office

1099

Loans
  • Credit Score Start at 660
  • Loans to $ 4MM
  • 55% Max DTI (Primary)
  • LTV to 90%
  • Unlimited Cash Out
  • Non-Warrantable Condos
  • Condotels OK

Bank Statement Loans

  • Credit Score-660
  • Loans upto $ 4MM
  • LTV to 90%
  • 55% Max DTI (Primary)
  • Unlimited Cash Out
  • Non-Warrantable Condos
  • Condotels OK

Down Payment

Assistance
  • Credit Scores Start at 600
  • Up to 103% Max LTV*
  • Up to 3.5% of the Appraised Value on FHA Loans
  • Value on
  • FHA Loans
  • LTV* to 90%
  • Primary Residence Only

CALHAF - Home

Assistance DPA
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

Blanket DSCR

Loans
  • 680+ FICO
  • LTV* to 80%
  • Fixed Loan
  • Min. DSCR is 1.0
  • Loans to $6.25MM
  • Multiple Properties
  • Min. 2 and Max 25 Properties Allowed
  • Purchase, Rate & Term,
  • Cash-Out Allowed
  • Investor Opportunity

ITIN

Loans
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

No Ratio

DSCR
  • 1
  • Credit Scores - 660
  • 2
  • Loans to $ 3MM
  • 3
  • LTV* to 75%
  • 4
  • Short Term Rentals (AirBnB/VRBO)
  • 5
  • Qualify off of Interest-Only Payments

Loan Tips

Homeownership Adventure

Turn your dream home into reality with our expert loan officers ready to guide you.