Get competitive rates, personalized guidance, and a streamlined digital mortgage experience. Whether you're buying your first home or refinancing, RB-ONW makes homeownership simple and affordable.
Choose from our range of mortgage options designed to fit different needs, budgets, and homeownership goals.
Rates shown are for illustrative purposes and subject to change. Actual rates depend on credit score, loan amount, and other factors. APRs include estimated fees and mortgage insurance where applicable.
Estimate your monthly mortgage payment with our interactive calculator. Adjust the inputs to see how different scenarios affect your payment.
Get an instant estimate based on current market rates
Our digital mortgage process makes getting a home loan faster, simpler, and more transparent than ever before.
Get pre-approved in minutes with our digital application. Know exactly how much you can afford before you start house hunting.
Shop for your dream home with confidence using your pre-approval letter. Our mobile app helps you track properties and estimates.
Complete your full application online. Upload documents securely and track your progress in real-time through our portal.
Sign closing documents electronically in most states. Get your keys faster with our streamlined digital closing process.
We combine cutting-edge technology with personalized service to deliver a superior mortgage experience.
Get pre-approved in as little as 15 minutes with our AI-powered underwriting and digital verification.
Access competitive mortgage rates with no hidden fees. We're transparent about all costs from day one.
Work with a dedicated mortgage specialist who guides you through every step of the process.
Manage your entire mortgage journey from our mobile app—from application to closing and beyond.
Find answers to common questions about mortgages, applications, and the home buying process.
The amount you need for a down payment depends on the type of mortgage you choose. Conventional loans typically require 5-20% down, while FHA loans require as little as 3.5%. VA and USDA loans offer 0% down options for eligible borrowers. Use our mortgage calculator to see how different down payment amounts affect your monthly payment.
With RB-ONW's digital mortgage platform, you can get pre-approved in as little as 15 minutes. The full approval process typically takes 15-30 days, depending on the complexity of your application and property type. We provide real-time updates through our mobile app so you always know where you stand in the process.
You'll typically need: government-issued ID, recent pay stubs (last 30 days), W-2 forms from the past two years, bank statements (last 2 months), tax returns (past 2 years), and information about your employment. Our digital application makes it easy to upload these documents securely through our mobile app or online portal.
The interest rate is the cost of borrowing the principal loan amount. The Annual Percentage Rate (APR) includes the interest rate plus other costs like mortgage insurance, closing costs, and loan origination fees. APR gives you a more complete picture of the total cost of your mortgage. Always compare APRs when shopping for mortgages.
Yes, RB-ONW offers rate lock options. Once you're pre-approved, you can lock your rate for 30, 45, or 60 days. This protects you if interest rates rise during your home search. We also offer float-down options that allow you to take advantage of lower rates if they drop before closing.
Start your mortgage journey with RB-ONW today. Get pre-approved in minutes and take the first step toward homeownership.
Equal Housing Lender • NMLS #1234567 • Mortgage loans originated by RB-ONW Bank, Member FDIC