# WE ARE HERE TO SERVE YOU
Home Loan Options
Whether you are trying to purchase or refinance, no matter your situation we are confident we can get your loan done.
If Your Loan Makes Sense, We Can Fund It.
# WE ARE HERE TO HELP
Ocean Lending Funds Loans That Make Sense
Long Term Relationships
We found that the mortgage process, right now, mimics an assembly line. We didn’t like the idea of being passed around to multiple representatives, just to find out if you qualify, or not.
Custom Tailored Loans
You are unique. You dress unique, you look unique, and the way you manage your money is unique. So, why should you be given the same mortgage as the next guy? The answer is: you shouldn’t.
Have you ever been strung along and then denied for a mortgage? Most Americans have, and that stinks. With our make sense lending approach, we are able to approve a wider variety of candidates than traditional lenders.
Client Feedback, over 500 Reviews and Counting!
I found Ocean Lending to be a positive home mortgage experience. Everyone was helpful and took time to answer my questions, thoroughly.Alicia J.Lending Tree
Mike was awesome in every way through our entire loan process! I’ve never had someone communicate as well as Mike did with me throughout the entire loan process. His advice was spot on with everything! Mike’s attention to detail was amazing and greatly appreciated. I cannot give enough praise to Mike and Ocean Lending for their amazing customer service!!! I highly recommend Mike and Ocean Lending for all your lending needs!!! Thank you, Mike and Ocean Lending!!!!DennyExperience.com
If you are looking to refinance your home, I would highly recommend this company. They were professional and always ready to respond to any of my questions or concerns.Judy A.Google
We had the pleasure of working with Ocean Lending for the second time in a six-month period. The first time, we had HEARD several great things but didn’t really know for sure what we were getting ourselves into. We quickly realized they were the BEST of the BEST. We hot not one roadblock on either transaction (first was purchase, second was refi). Every person we came into contact with was professional, efficient, and an all-around expert. They also finished both of our transactions in record time. We will NEVER user anybody else. Thank you to the entire Ocean Lending team for your time and expertise. We are forever grateful to you all.Jenny C.Google
I just got off the phone with James Edwards who happens to be the CEO of Ocean Lending. I cannot tell you how grateful I was that he handled my loan issues personally with respect and obvious love for the company he founded. He took the time (i.e.) 2 hours and 24 minutes) to listen to my issues and need for a refinance to pay off my credit card debt; and then designed a program that would be beneficial to both of us. In short, he was amazing, kind, and understanding. Although he’s in California and I am in Florida- a country away- I would recommend to all of my Florida friends and neighbors to give James and Ocean Lending your business if you need a mortgage or refinance. As a direct lender, he can truly design a loan that is smart and workable. Thank you, JamesLindy W.Yelp
Things went extremely smooth through the entire process. I’ve done several loans with Ocean Lending and have always had a first-class experience!!Ryan A.Lending Tree
Rio was absolutely wonderful! Very communicative and was always ready with solutions if any problems arose. Thank you Rio for your kindness and hard work with helping me purchase my first home!Michaela Dexperience.com
States We Service
Frequently asked questions
Can I Buy A Home With less than perfect Credit?
YES you can! There are several ways to purchase a home with less than perfect credit. Ocean Lending has options for borrowers that help them purchase a home with FICO’s as low as 500. Let’s dive deeper into the best loan options, so I can show you how to buy a home with less than perfect credit!
Can I Refinance With less than perfect Credit?
Yes you can! There are several ways to refinance a home loan with less than perfect credit. Ocean Lending has options for borrowers that help them refinance their home loans with FICO’s as low as 500. Below we will dive deeper into the best loan options so I can show you how you can refinance your home.
Can I Buy A Home With High Debt?
Yes you can! Going through conventional home financing outlets, you may find that it is nearly impossible to qualify to buy a home with high debt. ALL Mortgage Lenders calculate a ratio called your Debt-to-Income ratio. This is exactly as it sounds, they are weighing your monthly debt against your monthly income. Conventional Lenders have to adhere to lower debt-to-income ratios, not allowing those with high monthly debt payments to purchase a home.
Thankfully, Ocean Lending has non-conventional loan programs that allow you to buy a home with high debt payments. The loan programs offered by Ocean Lending allows them to stretch these debt-to-income ratios further than conventional lenders. What does this mean for you? This means that you can qualify to buy a home with high debt amounts. Let’s talk in further detail about these loan programs.
Can I Refinance To Pay Off Debt?
Yes you can! If you have tried going through conventional home financing outlets, you may have found out it is nearly impossible to refinance to pay off debt. ALL Mortgage Lenders calculate your debt-to-income ration. Which is exactly what it sounds like, they weigh your monthly debt against your monthly income. Conventional Lenders have to adhere to lower debt-to-income ratios, sometimes barring those with high monthly debt payments from refinancing.
Thankfully, Ocean Lending has non-conventional loan programs that may help you refinance to pay off debt. The loan programs offered by Ocean Lending allows them to stretch these debt-to-income ratios further than conventional lenders. What does this mean for you? This means that you may qualify for a larger refinanced loan amount, that can help you pay off more of your debt.
Conventional lenders also have stricter loan to value requirements, which means that they have smaller limits on how much equity you can borrow from your home. Ocean Lending has programs that may be able to allow you to access more of the equity in your home, which is great if you do not have too much equity to begin with. Now let’s talk about how you can refinance to pay off debt.
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Let us know a little about you and your situation and we will get in touch with you directly!Contact Us