Heeth Proctor
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Heeth Proctor
Founded in 2009, ONY GLO, Inc. dba. OGI Mortgage Bankers is an independent, full-service, residential mortgage banker, located in Orange County, California, the nation's capital of the mortgage lending industry. We are fully staffed with a team of mortgage professionals, ensuring your loan is turned around quickly and efficiently.

Our company's slogan, "Our Primary focus is you" is not just a phrase-it is deeply rooted in our day-to-day operations and embodies how we treat each customer. It really is all about you. Your home. Your loan. Your experience with us. When you work with our company, you'll come to understand the exact meaning of this focus.
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This CCPA PRIVACY NOTICE is for California residents only and supplements the information contained in the Privacy Statement of Ony Glo, Inc. and its subsidiaries (collectively, "we, " "us, " or "our") and applies solely to visitors, client's, users, and others who reside in the State of California ("consumers" or "you").
Pre-qualification starts the loan process. Once a lender has gathered information about a borrower's income and debts, a determination can be made as to how much the borrower can pay for a house. Since different loan programs can cause different valuations, a borrower should get pre-qualified for each loan type the borrower may qualify for.
OGI offers a fixed rate for most of our loan products. Conventional fixed rate loans are available for purchases of up to $424,100 (or more, in high-cost areas; see loan limits) for as little as 5% down or refinance an existing mortgage and get up to 85% loan-to-value with a competitive interest rate and take cash out.
The following information is usually required to process a loan request for most conventional products. OGI has the ability to offer non-traditional loan products and could require alternative documentation, but this is a good start. No verification of documents and/or information will be required prior to a consumer receiving the Loan Estimate.
Homebuyers today face tough challenges; housing prices are at their highest point in years, your income doesn't seem to go as far as it once did and expensive rent has become the rule, not the exception. How can people today overcome these obstacles to make such a large purchase? When it comes to financing, today's buyers are finding ways to achieve homeownership with a little creativity, more flexibility and some education.
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