Because, massive savings

  • massive savings!
  • home improvement.
  • low fixed rates.
  • debt consolidation.
  • dream home!
  • investment.
  • first home!
  • stated income.
  • race car!

Self Employed

  • Self Employed
  • Home Improvement
  • Low Fixed Rates
  • Debt Consolidation
  • Stated Income

No matter who you are or what your reason is
we have a great loan waiting for you.

Make it happen


Zero Closing Costs

Enjoy today's historic low rates while paying nothing in closing costs. You can thank us later with a nice review or referral.

Float Down Policy

Get the best rate available today with the option to lock in lower rate in the future at no costs. Ask a consultant for details.

Five-star Lender

Since 2007, we've been hard at work making consumers like you happy. Our glowing reviews speak for themselves.


Conforming and Jumbo

Also known as conventional loans due to their popularity, these loans offer standardized underwriting guidelines that reduce the cost of origination, allowing us to pass the savings directly to you, the borrower. These loans typically have the lowest cost to borrow.

FHA and VA

If down payment is limited or if you need maximum access to your equity in a refinance, an FHA or VA loan might be the right option for you. You can loan up to 96.5% for FHA or 100% for VA loans. You must be eligible for Veterans Affairs benefits to be able to qualify for a VA loan.

Limited Documentation

When income documentation stands in the way of a purchase or refinance, we have programs with alternative or limited documentations. These programs are best for borrowers with irregular or untraditional income stream such as self employed or retired borrowers.

Stated Income

We also have stated income programs where no income documentation is necessary. These programs offer expanded underwriting guideline criterias based on the borrower's assets, business cash flow, or estimated employment income based on industry average.

Which Program Fits You Best?


  • "What most impressed me about Lorie Anderson was her pleasant, clear, concise and honest telephone and email contacts she made with me from beginning to end. She explained the refinancing process and answered questions with the upmost respect and professionalism. Her can do attitude, positive outlook and results got me an amazing lower term and rate." - 03/27/2015
  • "I've used Oceans Capital twice already for refinancing my home and they've been great both times. Most recently, Christina Bohannon was my loan officer and she was extremely helpful, polite, responsive, knowledgeable and proactive throughout the whole process, even with my unique situation." - 03/02/2015
  • "Just yesterday I concluded the refinancing of my home working with Christina. We were able to complete the entire process in under 30 days. A few years ago my refinance took 90 days with another company. I attribute this quick experience to Christina always answering her phone, taking the time to explain what was needed and why, and over communicating throughout the process." - 01/29/2015
  • "We were referred to our Agent Nancy Alvarez with Oceans Capital Network to help us get refinanced, she has been a pleasure to work with!!! She is nice and polite always responded quickly and was available for any questions we had! She was helpful, informative and very thorough all the way through to our closing, which processed very quickly and way exceeded our expectations regarding the interest rate and cash out!!!" - 01/26/2015
  • "My refinance process with Lorie Anderson at Oceans Capital Network was remarkable! Lorie was professional, very knowledgeable, efficient, EXTREMELY patient and readily available to answer my hundreds of questions. There are so many new laws and guidelines in the mortgage industry that requires homeowners to submit mounds of paperwork. This made me feel overwhelmed and anxious, but Lorie helped ease the paperwork nightmare!" - 01/17/2015
  • "Lorie at Oceans Capital was fantastic- very polite, thorough; and fast! The service we received at Oceans Capital was far better than our experience with our initial mortgage at Chase. I highly recommend Oceans Capital for a refi or mortgage" - 12/08/2014
  • "Seamless from first contact through funding, communicative, detailed follow through and kind support throughout the process. This team works hard to know what you need and deliver the best solution. Although we had competitive teams working to close our loan, Jennifer and the Oceans Capital team delivered the best cost in the shortest time frame." - 11/04/2014

...see all reviews

Simple Process

1 Use our pricing engine to determine today's rate for your loan.

2 Select a program by clicking "Apply" on the program you like.

3 Complete our easy 1-minute application. No SSN required.


Call us: 888-847-5788