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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.
Make IT Happen With a Home Equity Line of Credit
Home Equity Line of Credit (HELOC)
Get the most out of your home with a home equity line of credit.
A second mortgage on the equity in your home will provide the cash
you need to make home improvements, build a pool, or expand your
deck to get a better view of the sunrise. For more information, visit a
convenient branch location or call the Consumer Lending Department
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, 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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