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Lender Tables
The lenders whose rates and other terms appear on this chart are ICBs advertising partners they provide their rate information to our data partner RateUpdatecom Unless adjusted by the consumer advertisers are sorted by APR lowest to highest For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart Advertising partners may not pay to improve the frequency priority or prominence of their display The interest rates annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums The actual payment obligation will be greater if taxes and insurance are included Although our data partner RateUpdatecom collects the information from the financial institutions themselves the accuracy of the data cannot be guaranteed Rates may change without notice and can change intraday Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders Please verify the rates and offers before applying for a loan with the financial institution themselves No rate is binding until locked by a lender
The FREEandCLEAR Score is based on a comprehensive independent analysis of the lender by FREEandCLEAR mortgage experts that reflects the lender's mortgage rates, technology platform and loan program offering. The score is based on public information and market research. Lenders cannot pay to be analyzed or to change their analysis. View FREEandCLEAR Lender Directory FAQs for more information.
★★★★☆
CERTIFIED LOW RATE LENDER
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The FREEandCLEAR Certified Low Rate Lender badge is awarded based on the results of mystery shopping mortgage rates for over 2,000 lenders. The lenders with the lowest mortgage rates and APR are awarded Gold, Silver or Bronze badges. Lenders with grey-out badges did not receive a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
MORTGAGE PROGRAM LEADER
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The FREEandCLEAR Mortgage Program Leader badge is awarded based on the the number of mortgage programs offered by a lender. The more mortgage programs offered by a lender, the higher the rating. Lenders with grey-out badges did not receive a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
TECHNOLOGY ALL STAR
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The FREEandCLEAR Technology All Star badge is awarded based on a lender's web site functionality and ease-of-use and if the lender offers an online mortgage application. Lenders with grey-out badges did not recieve a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
Oceans Mortgage Overview
Oceans Mortgage is a mortgage bank with operations in four states. Oceans Mortgage offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and USDA mortgages. Oceans Mortgage is a FREEandCLEAR Certified Gold Low Rate Lender and Technology All Star.
NMLS ID: 1558823
Online Application
Oceans Mortgage offers an online mortgage application
Oceans Mortgage offers the following loan programs: Conventional, Jumbo, Non-Owner Occupied, FHA, VA, USDA
Conventional
Jumbo
Interest Only
Non-Owner Occupied
FHA
VA
USDA
HUD Section 184
HomeReady
Home Possible
Other Low / No Down Payment
FHA 203(k)
HomeStyle Renovation
Construction / C2P
Reverse Mortgage
Home Equity / HELOC
Asset Depletion
Portfolio Loans
Credit-Challenged Borrowers
Self-Employed Borrowers
Bank Statement / Stated Income
Foreign National Borrowers
Land / Lot Loans
Manufactured Home Loans
Private Money
Oceans Mortgage Locations
Oceans Mortgage is licensed in California, Colorado, Oregon, Washington
Lender licensed in state
Lender not licensed in state
Borrower Reviews
jason r
Mortgage Rate:
★★★☆☆☆
Closing Costs:
★★★☆☆☆
Customer Service:
★☆☆☆☆☆
some friendly tips for Oceans Mortgage mgmt.
1)tell your loan officers that ppl cannot qualify for a mortgage when they have multiple collections on their credit reports, don't wait a month to tell me when I could have been working on it.
2)tell your loan officers to stop pulling clients credit reports when they say "don't pull my credit report yet, I don't want another inquiry"
3) tell your loan officers that its a good idea to tell prospective clients that ANY unpaid repos will go against their DTI as an actual car payment.
4)tell your loan officers to follow up with prospective clients as promised, not in 2 weeks when they get back from vacation and you have to email them and ask them "whats going on with my application?"
5)tell your loan officer to actually listen to prospective clients when they have bad credit concerns. don't just say "lets just submit all your documents and see what happens" when the client tells you their score is "only 600"
6) im rating you .5 customer service, I cant comment on mortgage rate/closing costs because I never got past 1st base
Praful S
Mortgage Rate:
★☆☆☆☆☆
Closing Costs:
★☆☆☆☆☆
Customer Service:
★☆☆☆☆☆
Classic bait and switch lender. I found a great rate and called them. Lyndsey said she'll honor the rate. I sent them a screenshot and she confirmed that they'll honor the rates. After submitting my application (less than 7 calendar days), she called back pushing a rate that was almost a point higher saying that the rates have changed! They pulled my credit report for no reason. STAY AWAY from this dishonest lender!
Jay B
Mortgage Rate:
★★★★★
Closing Costs:
★★★★★
Customer Service:
★★★★★
Great Rate
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Current Mortgage Rates in Columbus,Ohio as of October 23, 2024
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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