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 The Right Loan Can help You Enjoy It All
Personal Loans
Ocean Bank has a variety of loan programs to help you make the most of
life's opportunities. Whether you're buying a home, purchasing a speed boat
or remodeling your kitchen, Ocean Bank can help you enjoy all that life
has to offer.
Love what your home can do for you
Home Equity Line of Credit (HELOC)
Establish a line of credit using the equity in your home. A HELOC is a revolving line of credit using real estate you own as collateral to provide the cash you need for a variety of uses, such as home improvement and remodeling, a dream vacation, educational expenses and debt consolidation. For more information, visit a branch location or contact Customer Service at 305-569-5000.
Home Mortgages
Maybe you're just starting out. Upgrading. Refinancing. Or even, building your empty nest. Wherever you are in life, Ocean Bank can help you move in. We have a variety of loan programs with simple application processes, quick decisions and personal service to help you make the right choices along the way.
Fixed Rate Mortgages
Get peace of mind and security in knowing that your monthly Principal and Interest payment will
remain the same for as long as you hold the loan.
Adjustable Rate Mortgages
Interest rates adjust up or down depending on market conditions. Rates are typically adjusted
after 1 year, 3 years, 5 years or 7 years depending on the type of loan you choose.
For more information, call the Department of Residential Mortgages at 305-569-5522,
or visit a convenient branch location
View a list of Registered Mortgage Loan Originators >
Notice of Error / Information Requests / Qualified Written Requests (QWR) >
Auto, Boat and Recreational Vehicle Loans
Motor across America in a new or used car, motorcycle, or recreational vehicle. Our application
process is simple and decisions are made quickly. Pick up an application and get rates at a
convenient branch location.
CD-Secured Loans
Our best priced personal loan allows you to use your Ocean Bank Certificate of Deposit or savings
account to secure a loan. For more information, visit a convenient branch location.
Here's what you need to apply for an Ocean Bank Loan:
  Social security number and valid ID
(driver's license, civilian ID, military ID or passport)
  Employment information
  Most recent W-2 or tax return
When applying for an auto, boat or RV loan, you will also need:
  Bill of sale
  Proof of insurance with Ocean Bank listed as the lien holder
When applying for a home equity line of credit, you will also need:
  3 months of paystubs
  Homeowner's insurance policy or Certificate of Insurance
  Flood insurance policy (if applicable)
  Estoppels letter or last statement from first mortgage
(if applicable)
  Payoff letter for mortgages to be satisfied out of HELOC proceeds (if applicable)
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