Mortgages with Little or No Down Payment Are you concerned about not having enough money for a down payment? Or, would you like to set aside some of the money you have saved for move-in expenses? If so, a HomeReady or HomePossible mortgage might be what it takes to get you into your own home. […]

Residential Doc Checklist Uniform Residential Loan Application (Form 1003) Spanish Uniform Residential Loan Application (Form 1003) HMDA Addendum Online Credit Report Request Borrower Certification and Authorization Residential Disclosures Fee Worksheet Loan Estimate Disclosure Notices Equal Credit Opportunity Act Fair Lending Notice Notice of Right to Cancel Notice of Special Flood Hazard Owner Occupancy Appraisal Disclosure […]

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 […]

The HECM Mortgage Now you can have the financial freedom you want with the HECM Mortgage. Stay in your home for as long as you wish with a reverse mortgage that provides a ready source of cash to use as you see fit. And you don’t have to repay the loan as long as you live […]

Second Mortgage In general, these types of loans feature a low fixed rate and are paid to the borrower in a single lump sum which is convenient for large-scale expenses such as home improvements. One of the most common uses for a home equity loan is to pay off higher interest balances such as credit […]

Ocean Capital Lending, LLC a direct lender and servicer, exclusively offers an array of residential loan products. Whether you are looking for a residential mortgage to purchase that new home or construct the home of your dreams, Ocean Capital Lending, LLC has all the right loan programs to offer. Our experienced lending team will be […]