OnPoint Signature Program
Zero to Hero
$0 points. $0 origination. $0 lender fees. On every purchase and every refinance. The money most lenders quietly charge you at closing stays right where it belongs — in your pocket.
$0
Points
$0
Origination
$0
Lender Fees
Three zeros. One simple promise.
These are the lender fees that pad most mortgage quotes. In the Zero to Hero program, all three are gone.
$0
Discount Points
No paying thousands up front just to buy your rate down. You get a competitive wholesale rate without the toll.
$0
Origination Fees
No 1% "origination" charge on your loan amount. On a $500K loan that alone is $5,000 you keep.
$0
Lender Fees
No underwriting, processing, or application "junk" fees. Zero fees from us, on purpose.
More than a no-points loan
A plain no-points loan removes the lender’s fees. Zero to Hero goes further: you choose whether to keep the lowest rate or keep your cash. Same program, your call.
Option 1 · Keep the lowest rate
No-Points
The lowest competitive rate, with none of the lender’s fees.
- $0 points, origination & lender fees
- Your lowest available wholesale rate
- You pay third-party costs (appraisal, title, settlement) in cash
Option 2 · Keep your cash
The Zero to Hero Credit
Choose a slightly higher rate and let the lender credit cover your closing costs.
- $0 points, origination & lender fees
- A slightly higher rate generates a lender credit
- That credit pays your appraisal, title & settlement charges
- Far less — sometimes zero — cash to close beyond your down payment
Short on cash, or planning to move or refinance in a few years? Option 2 can put thousands back in your pocket today. Staying long-term? Option 1’s lower rate wins over time. We’ll show you both, honestly.
How you go from zero to hero
The fees you don’t pay don’t just vanish — they turn into real advantages, whether you’re buying or refinancing.
🏡
More home, less cash
Buyers keep thousands for the down payment, reserves, or moving costs instead of handing it to a lender.
💰
Break even on day one
No points means no "how long until it pays off" math. Your savings start with payment number one.
📈
Refinance that makes sense
Homeowners can lower a rate without burning cash on fees, so a refi is worth it even for a smaller drop.
⚡
Nothing to recoup
Sell or refinance again in a couple of years? You’re not stuck trying to earn back money you spent up front.
Pick your path
Zero to Hero works the same way on both sides of a transaction. Start where you are.
🔑
Buying a home
Get into your home without lender fees eating your down payment.
- $0 points, origination & lender fees on your purchase loan
- Keep more cash for down payment and reserves
- Conventional, FHA, VA & more, priced from 20+ wholesale lenders
🔄
Refinancing
Lower your rate or tap equity without paying to do it.
- $0 points, origination & lender fees on your refinance
- Worth it even on a smaller rate drop — nothing to recoup
- Rate-and-term or cash-out, from our full lender network
How the credit covers your closing costs
No gimmicks. A lender credit is real money the lender puts toward your costs in exchange for a slightly higher rate — you’re simply choosing to pay over time instead of up front.
1
Pick a slightly higher rate
You choose to nudge your rate up a fraction of a percent.
2
The lender issues a credit
That higher rate creates a credit — the lender’s money, not a loan add-on.
3
The credit pays your costs
It goes straight toward appraisal, title & settlement charges at closing.
Appraisal + title + settlement
Your no-points rate
Slightly higher, from your quote
Enter the two rates your loan officer quotes. We assume the higher rate’s credit covers the costs above.
Option 1 · No-Points (par rate)
Rate6.00%
Monthly P&I$0
Cash for these costs$0
Option 2 · Credit covers costs
Rate6.50%
Monthly P&I$0
Cash for these costs$0
Enter your numbers to compare.
Illustrative only. Assumes the credit-option rate generates a lender credit that covers the closing costs you entered; your actual rate and credit come from a live quote. Break-even = the costs covered divided by the extra monthly payment. Payment is principal & interest only. Third-party costs shown are appraisal, title, and settlement; taxes, prepaids, and points are separate.
How can a broker charge zero lender fees?
Because we’re a broker, not a bank
OnPoint shops your loan across 20+ wholesale lenders. When one of them funds your loan, they compensate us — so we don’t need to charge you points, origination, or lender fees to get paid.
A retail bank has one product and makes its money on you. We make ours by winning your business against 20 other lenders. That competition is the whole advantage.
Straight talk: what “zero” covers
Always zero from OnPoint: discount points, origination, underwriting, processing, application fees.
Can be covered by the credit option: appraisal, title & settlement charges — in exchange for a slightly higher rate.
No one can waive: government recording & transfer taxes, and prepaids (homeowners insurance, prepaid interest, escrow deposits). Those aren’t lender charges.
The result: a genuinely lower cost to close — and the honest math on any rate-for-credit trade, with none of the "too good to be true" games.
Zero to Hero, answered
What exactly is $0 in this program?
Three specific lender charges: discount points, origination fees, and lender fees (underwriting, processing, application). On a typical loan those can run several thousand dollars combined. In Zero to Hero, they’re zero.
Does “zero fees” mean zero closing costs?
No — and we’ll never pretend it does. You still pay true third-party costs (appraisal, title/escrow, government recording and taxes, prepaid interest and insurance). Those belong to other parties, not to us. What we remove is the lender’s own fees.
What’s the catch? How does OnPoint get paid?
No catch. As a broker, the wholesale lender that funds your loan compensates us. That’s how we can charge you nothing and still shop 20+ lenders to find your best terms.
Do I get a higher interest rate in exchange?
Not for the $0 lender fees — that’s a competitive wholesale rate at par, and because we compare 20+ lenders it usually beats a retail bank’s rate after its fees. A higher rate only comes into play if you choose the credit option below to cover your closing costs.
What’s the difference between this and a plain no-points loan?
A no-points loan removes the lender’s fees at a par rate. Zero to Hero adds a choice: keep that lowest rate, or take a slightly higher rate so a lender credit covers your appraisal, title, and settlement charges too — keeping cash in your pocket at closing. Same program, your call.
Can OnPoint cover my closing costs?
Often, yes — through the credit option. A slightly higher rate creates a lender credit that goes toward third-party costs like appraisal, title, and settlement. You’re not getting them "free"; you’re choosing to pay over time via the rate instead of in cash up front. It’s a great move if cash is tight or you may move or refinance within a few years. Government taxes and prepaids (insurance, escrows) can’t be waived.
Is it for purchases, refinances, or both?
Both. Zero to Hero applies to home purchases and refinances alike — see the purchase and refinance paths above.
Who qualifies?
Most standard purchase and refinance scenarios across the nine states OnPoint is licensed in (CA, CO, FL, ID, MD, NH, SC, TX, VA). The fastest way to know is a quick, no-obligation conversation — no credit hit to check.
Heroes in Nine States
Verified Google reviews from the buyers and homeowners OnPoint has guided to the closing table — with zero lender fees.
Meet Your Mortgage Specialist
20+ years originating mortgages across every loan type, licensed since 2005. Same person from quote through closing.
Victor Santos
SENIOR LOAN OFFICER · NMLS #888844
Victor entered mortgage in 2002 as a loan processor and has been writing loans as a licensed LO since 2005. He shops your file across 20+ wholesale lenders, including specialists for every loan type. He'll match you to the right program and the right lender, not just the first one that says yes.
Experience: 20+ yrs originating (LO since 2005)
Personal NMLS: #888844
Company NMLS: #2134550
Licensed in: CA, CO, FL, ID, MD, NH, SC, TX, VA
Ready to keep the fees and get the home?
Tell us whether you’re buying or refinancing and we’ll show you a real Zero to Hero quote. No pressure, no credit hit to look.
- ☎(949) 486-8200
- ✉info@onpointmortgagepro.com
- 📍530 Technology Dr, Ste 100, Irvine, CA 92618 · Mon–Fri 8:00am–5:00pm PT
- ★5.0★ on Google, Yelp & Zillow · A+ BBB · Licensed in 9 states
OnPoint Mortgage Pro · NMLS #2134550 · CA DFPI (CRMLA) License 60DBO-140540. Equal Housing Opportunity. Not a commitment to lend; all loans subject to credit approval and underwriting. Zero lender fees refers to no OnPoint points, origination, or lender fees; third-party closing costs still apply.