Ocean Bank will reopen its Orlando Branch on Friday, October 11th.
Our thoughts are with those affected by Hurricane Milton.
Online banking and mobile banking continue to be available. To find the nearest ATM free of charge, click here.

In observance of Presidents’ Day, we will be closed Monday, February 17th. We will resume regular business hours on Tuesday, February 18th.

Ocean Bank - Financial Results as of December 31, 2024. Continued Financial Strength Learn more

Ocean Bank

Fixed Rate Mortgages | Home & Condo Loans

Home Loans

First home. New home. Vacation home. Your home.

Flexible loan terms and options that fit your lifestyle and budget

    Our digital home financing experience can help you reach your goal.

Pre-qualify

Find out how much you may be eligible to borrow.

 

 

Buy

Get a mortgage to meet your budget and your homebuying goals.

 

 

Refinance

Lower your rate, change terms, or get cash out.

 

 

Explore residential real estate financing options

Fixed-Rate
Fixed-Rate
Adjustable-Rate
Jumbo & Super Jumbo
Condominium Loans
Residential Investment Loans

Fixed-Rate Mortgages

Good choice if you plan to own the property for the long-term 

Lock in a fixed rate for the term of the loan.

Borrow up to $726,200.

Benefits:

  • Choose a 10-, 15-, 20-, 25- or
    30-year term to fit your budget

    See Disclosures Section Below
  • Plan your cash flow with a set repayment amount
  • Fixed rate never changes even if interest rates rise
  • Refinance to take advantage of lower rates and pay off your current mortgage faster  

Our experts are licensed to help you with your mortgage loan


 

 

 

 

 

Financial Calculators

Calculate how much you can afford to borrow

 

 


Use our financial calculators to help you learn more and make the best decision.

 

Use our financial calculators
to help you learn more and make the best decision.

 

 

 

 

 

Home loans made easy from start to finish

Our Expertise

Our team of home loan specialists guide you every step of the process.

Apply With Confidence

We take the time to explain what's needed to apply for a home loan.

Plan Your Budget

Select from a variety of flexible options and terms that help you reach your goals today and tomorrow.

Pay Online

Schedule loan payments in Online Banking or our secure loan payment portal and always pay on time.

Need help finding a home loan?

      Manage your loan online for your convenience

Pay on time, every time

Set up automatic debits from your Ocean account and never miss a payment.

Monitor your loan

View your loan balance, payment history and remaining balance in Online Banking.

Choose how to repay

Use check, online or mobile bill pay to make your payment.

      Frequently asked questions about home loans


 

 

Ocean Bank experts are licensed to help you with your mortgage loan