We have a set of core beliefs and values that guide our behavior, decision making and how we show up for our clients, referral partners, fellow employees, and our community. OnTo Mortgage is headquartered in Massachusetts and was started by by two top loan originators with over 30 years of experience.
Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing. It's our mission that every client has a 5-star customer experience. We've married the best technology without giving up the personal touch.
Every lender touts great rates, product and service and while we have all of that, we also have a deep care for our clients. We understand that without clients, we have nothing. It's our mission that every client has a 5-star customer experience. We've married the best technology without giving up the personal touch.
Services
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole. We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you're a first-time home buyer or a seasoned investor.
This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Reviews (11)
Joseph Warzycha
Jan 03, 2022
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Bethany Dugas
Dec 29, 2021
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Brooke Mallory
Nov 20, 2021
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We had an amazing experience with OnToMortgage!! Do you know of any other Mortgage Lender who is available via text truly any time of the day? They not only helped us determine the amount of home we could truly afford but they locked us in at an UNBELIEVABLE rate. They went the extra mile to find all the different mortgages options available and after re-confirming a few things were able to find us the perfect loan at an even better rate.
They have a very helpful app you can prepare your own offer letters, you can add all housing information in and determine mortgage payments its truly awesome
They have a very helpful app you can prepare your own offer letters, you can add all housing information in and determine mortgage payments its truly awesome
Nicholas Price
Oct 29, 2021
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These guys are rock stars! My wife and I were in a situation in which we had to change lenders after getting an offer accepted. We worked with Ed Lombardi and his team really saved the day for us! They secured the mortgage for us at a great rate, they were always there to answer our questions and they made the process so smooth from beginning to end. I'd highly recommend OnTo Mortgage to anyone looking to finance a home purchase!
Brian Bowen
Oct 22, 2021
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Shelby Stepanian
Sep 22, 2021
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We worked with Chris, Rich, and Crystal through the process of closing on our home. They were recommended by our realtor, and were so glad we went with them. Chris and Rich were both so supportive throughout the whole process and answered all of our questions, which as first time home buyers, there were a lot. The initial process and walkthrough was quick and Chris made the steps really easy to understand from the beginning. We were told (warned) that the questions from the mortgage lender would be time consuming and stressful, but when working with Crystal through this process it was easy and
Wendy Fournier
Aug 26, 2021
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I had a great experience with OnTo Mortgage. Dave Guerriero was fantastic to work with, his expertise was much appreciated. We had great communication throughout the entire process of securing my mortgage. The online portal is extremely convenient for uploading documents and really helped to streamline everything. I couldn’t have asked for a better team of people to help get me into my lovely new home.
Flora C.
May 06, 2021
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We worked with OnTo Mortgage on a short timeline. OnTo Mortgage was so professional, efficient, and gracious! We were able to get our mortgage SO quickly. These are the real mortgage professionals and they are the best! We will be using them in the future and recommending them to everyone! We LOVED our experience with them. Give them a call and check it out!
Matty Marchant
Dec 15, 2020
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Janis Urbanek
Oct 24, 2020
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J. L.
Feb 04, 2020
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