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Oceans Funding Company Inc.




A mortgage broker is an individual or firm that acts as an independent agent for both the borrower and the lender of a mortgage loan. Mortgage brokers are the middleman between you and the lending institution, which can be a bank, trust company, credit union, Mortgage Corporation, finance company or even an individual private investor. A mortgage broker will analyze your financial situation to determine which lender is the best fit for your loan needs. He or she will submit your mortgage application to one or more lenders in order to sell it, and works with the chosen lender until the loan closes. He or she receives a commission from the borrower if the loan closes.
 
Oceans Funding Company has a full spectrum of mortgage loan products available only to Mortgage Brokers. They are strictly a wholesale lender and the mortgage broker is their customer. Some of their programs, such as stated income products, do have minimum score requirements however, all of their programs are credit driven. A credit score is not always reflective of a customer’s payment history and having a score only program can kill a good deal.
 
Risk Factors and Underwriters determine the credit grade. An ocean does not have a set in stone credit matrix. They believe that this works to the brokers and borrowers advantage because it allows for circumstance.
 
The Company offers programs with no minimum credit requirements up to 95percent.   And, 100percent financing with one loan and a 575 middle credit score with minimal credit requirements. They also offer Bankruptcy and Foreclosure Buyout programs.
 
To provide the rates, products, professionalism and personal service that is not only deserved but that will remain foremost in their customers mind whenever the opportunity for your referral to them makes itself known. TheCompany’s focus is on personal service and they encourage you to offer a full spectrum of mortgage loan products with credit driven underwriting to help you be successful.         

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