About Us

My name is John Neafus, owner of Inline Financial Corporation dba INLINE LENDING. Inline Financial Corporation was started in January 2018 and we targeted the FHA and VA streamline loan. We are very good at these loans and it always amazed us at the competitor Loan Estimates we would see and how much borrowers(consumers) were willing to pay for their new mortgage.

We realized that consumers weren’t necessarily willing to pay the cost, but they were more unaware of the costs they were paying.

At Inline Lending, we decided that the best way to compete or to fight for these consumers or clients was to create ONGUARD LENDING.

ONGUARD LENDING is a consumer driven, consumer friendly competitive marketing tool that allows consumers to shop their specific loan scenario for the loan option that fits their needs perfectly. While remaining anonymous, until you decide who you want to work with.

We do not intend to devalue the industry, rather we intend to bring VALUE to the borrower(consumer) through open competition with other banks, lenders, brokers and Loan officers. The consumer can decide who they want to work with based on the feedback from the pricing that was offered.

OnGuard: Will be a go to in searching for the loan that suites the consumers’ needs.

Purchase or refinance there will be a purpose to the loan process.

Of the thousands of currently open mortgage loans actively being processed. If the consumer asked for a 2nd opinion from another mortgage professional. The vast majority would find a potentially better offer.

OnGuard: wants to provide the ability to do this for the consumer. Bringing integrity, honesty and an open educational aspect to the home mortgage process.

In today’s home mortgage market with interest rates rising and home values declining, the mortgage professional has limited access to invite or obtain new clients. From a broker’s perspective the process of getting to these new clients is to compete for the business from other broker’s or retail lenders that offer mortgage loans.

How they do this is mainly through cold calling, direct mail and other means of advertising. Most brokers, retail lenders and loan officers rely on trigger leads from the credit bureaus. When a consumer has their credit pulled by one of these entities it creates a “trigger” lead that the credit bureau sells to these brokers, retail lenders and loan officers. This creates an abundance of phone calls, direct mail, etc. to the consumer and becomes redundant and cumbersome to the consumer.

You have a mortgage professional looking to undercut the loan professional and making the market ugly in a lot of ways. This is my opinion really will devalue the industry, this is what happens when the mortgage market looks the way it does today.

OnGuard Lending wants to change this with an approach that benefits the consumer with an approach that is designed to put the power back into the consumer’s hands.

A lot of mortgage professionals use language and tactics that put fear into the process, they demand that they need to pull your credit in order to give you the pricing for your loan scenario upfront. Then once they have pulled your credit they may tell you not to get your credit pulled again as it would lower your credit score and that you may not qualify for the loan program they had quoted or priced you on. This can be a trap for a lot of potential borrowers, and they settle for the loan even though they may have found a better option with another opinion.

1. Provide your loan scenario and get competing offers based off your specific scenario.
2. Receive pricing and loan options from multiple brokers, retail lenders and loan officers.
3. Compare these offers and decide who you want to work with and contact them directly from the OnGuard portal.

OnGuard will not share, sell or notify anyone of your personal information during the process of working with OnGuard.

OnGuard will work independently with consumers to provide protection, education and reliability during the process of the mortgage loan process. Holding accountable the mortgage professional to what they have based their offer to the consumer on.

Pricing, interest rate and APR can change. If the information you provided is different from the original information provided, then this can change pricing. The market worsens prior to the interest rate being locked this can change pricing. The value of the home is less than what was expected, this raises the loan to value this can change the pricing.

Purchase or Refinance