Custom Loans for Buying Homes

No Matter Your Situation, We Have Solutions For You

Why Ocean Lending is Better Than The Next Guy

Connected Direct Lender

Ocean Lending is a Direct Lender and has relationships with over 30 other banks. Allowing us to find the best loan for your situation.

Relaxed Credit Requirements

Credit isn't the only thing we look at, things happen, we get that; we want to hear your story. That is why we lend to as low as a 500 FICO. 

Innovative Income Analysis

Nowadays their is no "standard" income. So why would a lender use a "standard" calculation? It doesn't make sense to us either. That is why we take an innovative approach to determining your income, which allows us to help you purchase more.

Quick Closing

Need to close quick? We have options that can help you close in as little as 48 hours. Even our traditional loans can help you close in less than 30 days!

Questions about getting started? Drop us a line to find out more.

Click "Get in Touch", fill out the form below and a Loan Expert will reach out to you shortly.

Recent Client Purchases

Patrick F_Yelp Review Pic

Patrick F.

"I had never bought a house, and to top it off this was a for sale by owner so all the things a realtor would have done were left to me to figure out... There were a few times in the process when it seems like some of the hiccups might be barriers that I wouldn't be able to overcome (I had an odd timeline), but James took personal interest and made things happen."

Jacqueline D.

Veronica Valdez

"Ocean Lending is excellent and I am stoked that I gave them a shot. The whole team is very friendly, helpful, knowledgeable and professional they made things seem easy. (When we all know these things can be a nightmare.) I highly recommend Ocean lending even when you think things are impossible they take the time to explain and help you make them possible. I highly recommend this company. Thanks Ocean Lending and staff!!!"

Frequently Asked Questions

Check out some of our FAQ pages for some insightful info on how you really can qualify to buy a home, no matter your situation!