With interest rates at unprecedented lows, there is no time like the present to invest in a new home, refinance your current home, or consolidate your debt. We offer a no closing cost option on most of our loans. Our expert loan specialists offer a complimentary loan analysis are ready and waiting to walk you through your home loan process so you can breathe easy.
Since 1996, Oceanside Mortgage Company has built our reputation on honesty, trust, and commitment to ethical lending practices and low mortgage rates to provide you with the best lending experience. We are a direct FHA, VA and conventional mortgage lender licensed in 46 states. Being a direct lender means we have full control of the loan process, meaning you don't have to jump through the hoops created by middle men who underwrite loans or create extra guidelines.
By eliminating unnecessary extra steps, our rates stay lower than the competition. We are one of the top FHA streamline and VA IRRRL refinance lenders in the country, but we also offer a wide array of other loan products.
Since 1996, Oceanside Mortgage Company has built our reputation on honesty, trust, and commitment to ethical lending practices and low mortgage rates to provide you with the best lending experience. We are a direct FHA, VA and conventional mortgage lender licensed in 46 states. Being a direct lender means we have full control of the loan process, meaning you don't have to jump through the hoops created by middle men who underwrite loans or create extra guidelines.
By eliminating unnecessary extra steps, our rates stay lower than the competition. We are one of the top FHA streamline and VA IRRRL refinance lenders in the country, but we also offer a wide array of other loan products.
Services
Oceanside Mortgage Company has served its customers with honesty and integrity for over 20 years.
Our mission is to provide competitive interest rates and low closing costs while guiding borrowers through any red tape so they can secure their mortgage without hassle.
Meet the team whose here to make the home loan process a home run!
With all those people in her life, Heather still finds time to steal away for her other hobby: reading.
Her favorite author is Jodi Picoult.
When she is not working on loans, Brittany teaches dance to people of all ages at a local dance school.
Our mission is to provide competitive interest rates and low closing costs while guiding borrowers through any red tape so they can secure their mortgage without hassle.
Meet the team whose here to make the home loan process a home run!
With all those people in her life, Heather still finds time to steal away for her other hobby: reading.
Her favorite author is Jodi Picoult.
When she is not working on loans, Brittany teaches dance to people of all ages at a local dance school.
Established in 1934, FHA loans were developed to help United States citizens buy or refinance homes with a low down payment while being guaranteed by the Federal Housing Administration.
By not placing any extra risk on the lender, FHA loans can offer low rates and flexible approval options, even for those with limited or imperfect credit histories.
FHA loans have been provided by Oceanside Mortgage since our establishment, and our position as one of the top direct FHA lenders in the country means we can offer loan opportunities to those who may have limited access otherwise.
By not placing any extra risk on the lender, FHA loans can offer low rates and flexible approval options, even for those with limited or imperfect credit histories.
FHA loans have been provided by Oceanside Mortgage since our establishment, and our position as one of the top direct FHA lenders in the country means we can offer loan opportunities to those who may have limited access otherwise.
The streamline refinance is a special refinance program only available to FHA borrowers.
It was developed by the Department of Housing and Urban Development in the 1980s and is strictly regulated.
It can only be performed by an FHA approved lender.
The streamline refinance is designed to lower your mortgage payment when interest rates drop.
The FHA also permits you to shorten the term of your mortgage so you can pay off your loan sooner.
As a direct lender, Oceanside Mortgage can offer interest rates and fees that are typically much lower than our competition.
It was developed by the Department of Housing and Urban Development in the 1980s and is strictly regulated.
It can only be performed by an FHA approved lender.
The streamline refinance is designed to lower your mortgage payment when interest rates drop.
The FHA also permits you to shorten the term of your mortgage so you can pay off your loan sooner.
As a direct lender, Oceanside Mortgage can offer interest rates and fees that are typically much lower than our competition.
FHA loans are not just for first time home buyers.
Any US citizen or permanent resident is eligible for an FHA loan, including people who have utilized their benefits before.
A beneficial tool for purchasing a home, they allow you to buy with as little as 3.5% down, and many times the seller will even pay for closing costs.
Many renters roll over the security deposit from their rental plus their next month's rent for a down payment.
Others use a gift of money from a family member or employer for the down payment.
Any US citizen or permanent resident is eligible for an FHA loan, including people who have utilized their benefits before.
A beneficial tool for purchasing a home, they allow you to buy with as little as 3.5% down, and many times the seller will even pay for closing costs.
Many renters roll over the security deposit from their rental plus their next month's rent for a down payment.
Others use a gift of money from a family member or employer for the down payment.
A Rate & Term loan is used to consolidate multiple mortgage loans into a single low payment.
This loan allows borrowers to finance up to 97.75% of their home's current market value.
This is valuable if you took out more than one loan for your home and want to make a single monthly payment.
A cash-out refinance permits borrowers to turn the equity in their home into cash.
Mortgage proceeds can then be used to pay off other loans (additional mortgage loans, student loans, etc.), credit card bills, car payments, or be used in any way the homeowner sees fit.
This loan allows borrowers to finance up to 97.75% of their home's current market value.
This is valuable if you took out more than one loan for your home and want to make a single monthly payment.
A cash-out refinance permits borrowers to turn the equity in their home into cash.
Mortgage proceeds can then be used to pay off other loans (additional mortgage loans, student loans, etc.), credit card bills, car payments, or be used in any way the homeowner sees fit.
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