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.
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.
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!
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.
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.
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.
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.
Reviews (11)
Christa Alyssa
Nov 21, 2021
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Jessica
Oct 28, 2021
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Elizabeth Adams
Sep 29, 2021
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Kevin Huffman
Sep 16, 2021
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Brandi Therrien
Aug 26, 2021
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Jennifer Dales
Aug 26, 2021
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DO NOT USE THEM!!!!! I have had nothing but problems since I got my loan with them back in July 2021. They lost my 1st payment and it took them 3 months before they found it, I literally have been calling them every 2 weeks fighting them to correct my account and can not get anywhere with them, I have over a dozen emails, over a dozen calls into them, over a dozens manager requests- with not one call back!! I was just on the phone today fighting again because they misapplied yet again one of my payments to principle only, putting me a payment behind!! I have been trying to get set up on auto pay
Wendell Gibson
Aug 26, 2021
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Kim Cohn
Aug 18, 2021
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I was pleasantly surprised at how helpful the employees were at Oceanside Mortgage Co. Amanda was great and answered all my stupid questions. Looking forward to working with this new mortgage in the future. Oceanside helped me better my life with the cheaper interest and shorter term. Thank you Amanda. Kim
Joe Kelly
Jul 31, 2021
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Bridget B.
Apr 05, 2019
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This company is now being reported to HUD! You have held a borrowers FHA case number captive for over a month now. He has asked for this to be transferred several times and you have refused! We have emailed sstone@ocensidemortgage.net 3 times!!!! This is a violation - BORROWERS! DO NOT USE THIS COMPANY- THEY ARE DESPERATE AND WILL MAKE YOUR EXPERIENCE VERY PAINFUL
Jerry M.
Nov 29, 2017
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This has to be the worst more mortgage company in the world. I would never recommend them. I wish I could get another. Be smart don't use them. They changed addresses on me so I had to mail my payments in without anything because they are taking their sweet time about it. I can't get a statement on where my impound money is going.
