Welcome To On Time Lending, LLC

At On Time Lending, LLC, we are committed to making your loan experience as stress-free and simple as possible. We start by offering a robust portfolio of competitive mortgage loans, world-class customer service, and an all-star team of highly experienced and knowledgeable mortgage brokers who will exceed your every expectation.  We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

We have over 30 years in mortgage lending experience and a broader array of loan programs to fit each buyer’s qualification needs.  Our sole purpose is to listen to you while providing you with exceptional customer service.  We care about you and your financing needs and will give you access to the best financial rates and products to help you achieve your dream and goal.

Purchasing

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We work conforming and non-conforming real estate loans.
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Refinance

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We can help you lock in a long term fixed rate and get out of your ARM.
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FHA

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There are lots of good reasons to choose an FHA loan.
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Latest News

Global Stocks Waver Amid Uncertainty on Rates, Trade Talks

Stocks paused as investors took a wait-and-see approach to trade developments and the Federal Reserve’s next policy moves.

Today's Rates*

TermRateAPR
30 Yr Fxd4.25%4.863%
15 Yr Fxd3.375%3.99%
5 Yr ARM3.75%4.823%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.
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Calculate Monthly Payment*

Term Rate Apr Payment
30 Yr Fxd 4.25% 4.863%
15 Yr Fxd 3.375% 3.99%
5 Yr ARM 3.75% 4.823%
Calculate
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.
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