Part of the Zero to Hero Program
Buy Your Home With Zero Lender Fees
$0 points. $0 origination. $0 lender fees. Keep thousands in your pocket for the down payment and reserves instead of handing it to a lender at closing.
$0
Points
$0
Origination
$0
Lender Fees
The three fees you don’t pay to buy
Most purchase quotes bury these lender charges in your closing costs. On a Zero to Hero purchase, all three are gone.
$0
Discount Points
No paying up front to buy your rate down — money a first-time buyer rarely has to spare.
$0
Origination Fee
No 1% origination on the loan. On a $450K purchase loan that’s $4,500 you keep for your move.
$0
Lender Fees
No underwriting, processing, or application junk fees from OnPoint. Zero, by design.
Why zero lender fees matters most when you buy
Buying is when cash is tightest. Every dollar you don’t spend on lender fees is a dollar toward actually getting in.
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Protect your down payment
Lender fees come straight out of the cash you brought to buy. Zero fees means more of it stays as your down payment.
📦
Keep a real cushion
Moving, repairs, furniture — new homeowners need reserves. Don’t hand that safety net to a lender.
🤝
Stronger, cleaner offer
Lower cash-to-close can free room to be competitive elsewhere in your offer.
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Wholesale pricing
Your rate is shopped across 20+ lenders, so a par rate with zero fees usually beats a bank’s rate after its fees.
Same $450,000 loan, two very different closings
Illustrative lender charges only. Third-party costs (appraisal, title, taxes) are similar either way and not shown.
Typical Retail Lender
1% origination fee$4,500
Underwriting fee$1,095
Processing / application$900
Discount points (1)$4,500
Lender fees at closing$10,995
Zero to Hero Purchase
Origination fee$0
Underwriting fee$0
Processing / application$0
Discount points$0
Lender fees at closing$0
Today’s purchase rates
Updated daily from OnPoint’s wholesale lender network.
Conventional
6.00%
6.2% APR
$0 lender fees
FHA
5.75%
6.6% APR
$0 lender fees
VA
5.75%
6.0% APR
$0 lender fees
Who a zero-fee purchase fits best
🏠
First-time buyers
Every dollar counts — keep it for the down payment, not lender fees.
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Tight cash-to-close
Stretching to buy? Removing lender fees lowers what you need at the table.
⏳
Might move in a few years
No points to recoup, so you don’t lose money if you sell sooner.
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Reserve-minded buyers
Keep a healthy emergency cushion after closing instead of spending it on fees.
No-points purchase, answered
Does zero lender fees mean zero closing costs?
No. You still pay true third-party costs on a purchase — appraisal, title and escrow, government recording and transfer taxes, and prepaids like insurance and interest. What’s removed is OnPoint’s lender fees: points, origination, and underwriting/processing.
Can I use this with an FHA or VA loan?
Yes. Zero to Hero applies across Conventional, FHA, and VA purchase loans (and more). Note that FHA/VA have their own government fees (MIP, funding fee) that are separate from lender fees.
Will my rate be higher because there are no fees?
You get a competitive wholesale rate at par — you’re simply not paying points to lower it further. Because we shop 20+ lenders, that rate usually beats a retail bank’s rate once its fees are counted. We’ll show you the honest comparison.
Does this work with down payment assistance?
Often, yes — and removing lender fees pairs especially well with DPA since both are about lowering the cash you need up front. Ask us about your specific program.
What Our Buyers Say
Verified Google reviews from buyers 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
Get your zero-fee purchase quote
Tell us about the home you want and we’ll show you a real Zero to Hero purchase 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.