Business owners have unique cash flow needs. Here are some tips and strategies for business owners, entrepreneurs and those who wish to sell their business or otherwise enhance their cash flow situation. Understand and Calculate the Risks Associated with Your Financial Decisions. Everything in life carries risk. The key is determining how to calculate and […]

There are many pitfalls you can avoid when you are in the market to buy a new home. Here are just a few tips and strategies to help you prepare for success: Know your credit score. You may be able to get a better mortgage rate and more favorable loan terms by restructuring some of […]

The mortgage planning process is different than the typical “shopping for a mortgage” experience. The typical shopping for a mortgage experience includes: Wasting your valuable time trying to save $25/month by comparing rates, fees and closing costs among different lenders. Wasting your valuable time trying to baby-sit the mortgage company you’ve reluctantly chosen to work […]

There are many mortgage and real estate equity planning strategies that can really help you save money on taxes whether you are buying, refinancing or selling a primary home, vacation home or investment property. Ocean Capital Lending’s Certified Mortgage Planning Specialist professionals bring a team approach to your situation by working with qualified CPAs, CFPs […]

As our parents grow older and their life expectancy rises to previously unseen levels, we are faced with a growing dilemma: how to finance the higher costs associated with assisted living facilities, in-home care and medical expenses without going broke. We all want to care for our loved ones, but we also want to ensure […]

Twenty Terms You Must Know and Understand Before You Sign Off On Your Mortgage Buying a home is a major achievement in most everyone’s life. Pride of ownership, tax breaks, equity and the ability to increase your wealth and net worth are just a few of the many benefits you’ll enjoy with your new home. […]

Here’s the inside scoop on how to do it right. Always make sure you are working with an experienced, professional lender. The largest financial transaction of your life is far too important to place into the hands of someone who is not capable of advising you properly and troubleshooting the issues that may arise along […]

One commonly overlooked form of “predatory lending” is when banks and mortgage companies repeatedly encourage people to take out larger mortgages and home equity loans for “debt consolidation” or to free up your cash flow by basically consuming your home equity. This often results in spreading car loans and credit card balances over 30 years […]

There are over 1.4 million divorces in the US every year. Here are some tips and strategies on how to maintain your lifestyle after a divorce and how to evaluate various financial settlement options prior to a divorce: Ocean Capital Lending’s Certified Mortgage Planning Specialist professionals help you understand and evaluate the options related to […]

In order to answer this question, it is helpful to understand the four major interest rates that are affected by the Fed: Discount Rate (currently 3.00%) – the interest rate that banks pay when they borrow money directly from the Fed. The rate has been largely symbolic in the past because banks prefer to get […]