(888) 671-LOCK

 LoanLock@loanlock.com

Licensing & Disclosures

LoanLock:Turning Mortgages into Stories of Homeownership.

We're more than just lenders:we're your partners in homeownership.

Pre-approval Letter

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First-Time Home Buyer

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Home Purchase Loan

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Refinance my Home

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Lower my Interest Rate

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Reverse Mortgage

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Construction Loan

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Transparency and Integrity in Mortgage Lending

Empowering Informed Decisions

Our commitment to providing clear licensing and disclosures ensures that you have access to all the essential information you need for secure and informed lending experience. We take pride in maintaining the highest standards of integrity, so you can trust us to deliver the transparency and clarity you deserve throughout the loan process. Explore our platform to discover the comprehensive licensing and disclosures resources we offer, empowering you to make confident mortgage decisions. Your financial well-being is our top priority, and we're here to support you every step of the way.

STATE LICENSE

Alaska

No business is transacted with Alaskan consumers under the DBA OGI Mortgage Bankers

Alabama

Alabama Consumer Credit License No. 22974, Alabama Mortgage Brokers License No. 23112

Arizona

Arizona Mortgage Banker License No. 0942441

California

Department of Business Oversight Loans will be arranged or made pursuant to the California Financing Law, License # 603J071

California

Department of Real Estate Bureau of Real Estate – Real Estate Broker, License # 01870015

Colorado

Colorado Regulated by the Division of Real Estate, License No. 237507 – www.dora.state.co.us/real-estate

Connecticut

Connecticut Mortgage Lender License # ML-237507

District of Columbia

District of Columbia Insurance, Securities & Banking MLB #237507

Florida

Florida Mortgage Lender License No. MLD1610

Georgia

Georgia Mortgage Lender License/Registration No. 60147

Illinois

Illinois Residential Mortgage Licensee No. MB-6850035

Indiana

Department of Financial Institutions, Mortgage Lending License No. 62725

Kansas

Kansas Mortgage Company License No. MC.0025728

Louisiana

Louisiana Residential Mortgage Lending License No. None

Maryland

Maryland Mortgage Lender License No. 237507

Michigan

1St Mortgage Broker/Lender License # FL0022497

Minnesota

Minnesota Residential Mortgage Originator License No. MN-MO-237507

New Hampshire

New Hampshire Mortgage Banker License No. 24410-MB

New Jersey

New Jersey Residential Mortgage Originator License No. None

Nevada

Nevada Mortgage Broker Branch License No. 1748776

North Carolina

North Carolina Lender License No. L-132460

Ohio

Ohio RM #804402.000

Oregon

Oregon Residential Mortgage Originator License No. ML-5666

Pennsylvania

Pennsylvania Mortgage Lender License #68230

Tennessee

Tennessee Mortgage License #237507

Texas

Texas SML Mortgage Banker Registration #237507

Virginia

Virginia State Corporation Commission Lender/Broker License #MC-6714

Washington

Washington Consumer Loan Company License CL-237507

DISCLOSURES

OGI Mortgage Bankers is a DBA of OnY Glo, Inc. (NMLS 237507). Equal Housing Lender. Some products may not be available in all states. Credit and collateral are subject to approval. This is not an offer for extension of credit or a commitment to lend. The information contained is not intended and should not be interpreted or relied on as legal advice. Program restrictions apply. All rights reserved. OnY Glo, Inc. operates in the following states under the licenses above. 6 Hutton Centre Dr., Suite 1030, Santa Ana, CA. Specific disclosures do not reflect only those states in which OnY Glo, Inc., a California Corporation, conducts or is licensed to do business.

Attn: Texas Applicants

NOTE: Consumer Compliant & Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATIONABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV

OGI MORTAGE BANKERS

NMLS # 391928

1-888-365-1522

info@ogimb.com

6 Hutton Centre Dr. Suite 1030, Santa Ana, CA 92707

WHERE WE ARE LICENSED

Loan Lock extends its expertise in offering loans to more than 41 states.

Our wide-reaching licensure ensures that a vast number of clients

across the U.S. can access our specialized loan services.

Approved

Non-Approved

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.

State
City

Verify you're a human, Whats 9+10?

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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.

Stay Connected

Phone: (888) 671-LOCK

Email: LoanLock@loanlock.com

Address: 6 Hutton Centre Drive,

Suite 1030, Santa Ana,CA92707

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Copyright © 2023 OnY Glo, Inc DBA Loanlock (NMLS 237507) Equal Housing Lender