Home Loan Options

Ocean Lending funds loans that make sense. Whether you are trying to purchase or refinance, we offer every type of home loan under the sun. No matter your situation, we are confident we can get your loan done. Because funding loans is just what we do.

FHA Loans

FHA Loans

FHA Loans are a great option for those with credit as low as 500, or higher monthly debt. They require a minimum of only 3.5% down. FHA loans are subject to government loan limits.
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VA Loans

VA Loans

VA Loans are for Veterans and their families. They have 0% down loan options and great rates. VA Loans are subject to loan limits and also have NO mortgage insurance.
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Reverse Mortgage Loans

Reverse Mortgage Loans

Reverse Mortgage Loans are designed for seniors over the age of 62. They are government-insured loans that allow seniors to access their equity to receive cash from their mortgage.
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Conventional Loans

Conventional Loans

Conventional Loans are designed for the highest tier of credit and usually require 20% down to purchase, but have options as low as 3% down. Conventional Loans are subject to loan limits.
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Private Portfolio Loans

Private Portfolio Loans

Private Portfolio loans are a great option for self-employed borrowers. They have more relaxed income requirements and only require as little as 10% down.
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Jumbo Loans

Jumbo Loans

Jumbo Loans are designed to help borrowers purchase or refinance with loans that are above the FHA or Conventional loan limits.
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Hard Money Loans

Hard Money Loans

Hard Money loans are band-aid or temporary loans. They are primarily used for investments, or for those with unique credit situations. They generally hold much shorter terms than traditional mortgages.
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