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Step by Step Mortgage Guide

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Determine what you can afford.
Contact an OceanTrust Mortgage loan consultant to get pre-approved now!
Think about where you want to live and what you "have to have" and "would like to have" in your new home.
Work with a real estate agent to locate your dream home. Ask us to recommend one to you.
Make an offer and negotiate your purchase.
Bring the contract to your loan consultant and we'll order an appraisal and get final approval for your loan.
Lock in a great rate.
Attend closing, pay closing costs, sign mortgage documents, and get your keys.
Move in to your new dream home.
Your deed and mortgage will be recorded and a copy of the deed mailed to you.

Determine the potential savings.
Think about your goals - whether it's saving money every month, paying off the loan sooner, pay off other debts, getting cash to improve your home, or a combination of these.
Work with an OceanTrust Mortgage loan consultant, who can help you select the best option for your needs.
Apply for the loan you need with OceanTrust Mortgage, where you get personal service and competitive rates.
Lock in a great rate.
Attend closing, pay closing costs (if any), sign mortgage documents.
After a 3-day waiting period, your old mortgage will be paid off (plus any other loans or debts if applicable), you'll receive any "cash out" for improvements, and the new mortgage will be recorded.
Enjoy your savings!