Loan Programs
Comprehensive mortgage solutions designed for every situation. Explore our programs and find the right fit.
Conventional Loans
The standard choice for qualified borrowers
Conventional loans are the most common mortgage type, offering competitive rates and flexible terms. They're ideal for borrowers with good credit and a stable income. Available in fixed-rate and adjustable-rate options with terms from 10 to 30 years.
Best For
Borrowers with good credit (620+) who want competitive rates and the ability to remove PMI over time.
FHA Loans
Government-backed with flexible requirements
FHA loans are insured by the Federal Housing Administration and designed to make homeownership more accessible. They offer lower credit score requirements and smaller down payments, making them popular with first-time homebuyers.
Best For
First-time homebuyers, borrowers with lower credit scores, or those with limited savings for a down payment.
VA Loans
Exclusive benefits for those who served
VA loans are guaranteed by the Department of Veterans Affairs and offer exceptional benefits for eligible veterans, active-duty service members, and surviving spouses. No down payment, no PMI, and competitive rates make this one of the best loan programs available. As a veteran-owned company, we understand the unique needs of those who served — because we've been there too.
Best For
Veterans, active-duty military, National Guard/Reserve members, and eligible surviving spouses.
OceanPrime Mortgage is a proud veteran-owned company.
Jumbo Loans
For properties that exceed conforming limits
Jumbo loans finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They're designed for luxury homes and high-cost markets, offering large loan amounts with competitive terms for well-qualified borrowers.
Best For
Buyers purchasing high-value properties in premium markets who have strong credit and significant assets.
Refinance Programs
Optimize your existing mortgage
Refinancing replaces your current mortgage with a new one, potentially lowering your rate, reducing your payment, or accessing your home's equity. We offer multiple refinance options to match your financial goals.
Best For
Homeowners looking to lower their rate, reduce monthly payments, shorten their loan term, or tap into home equity.
Non-QM & Self-Employed
Alternative documentation for unique situations
Non-QM loans are designed for borrowers who don't fit the traditional lending mold. Whether you're self-employed, have non-traditional income, or are a real estate investor, we have specialized programs that look beyond standard documentation.
Best For
Self-employed borrowers, business owners, real estate investors, and those with non-traditional income sources.
*Loan limits, rates, and terms are subject to change and may vary based on location, credit profile, and market conditions. The information provided is for educational purposes and does not constitute a loan offer. Contact us for current rates and personalized options.