What would you do...
With a Home Equity Line of Credit from Ocean Financial?
Use the equity for WHATEVER you need:
- A Home Equity Line of Credit can be used for, home repairs, debt consolidation, emergency funds, tuition, medical bills, celebrations, and more!
- Puede ofrecer tipos de interés más bajos en comparación con los préstamos sin garantía, lo que puede suponer un ahorro en los costes de financiación a largo plazo.
- Offers the flexibiltiy to access funds as needed during the draw period.
Have a Home Equity Line of Credit elsewhere? Refinance at Ocean Financial and take advantage of the low rate 12-month into period.
Consult your financial advisor for possible tax benefits.
A continuación se enumeran los documentos necesarios para solicitar una línea de crédito con garantía hipotecaria. Es posible que el agente de préstamos solicite otros documentos durante el proceso de revisión y aprobación.
- Copia de la escritura
- Copia del último extracto de la hipoteca de primer grado.
- Extractos bancarios de los últimos dos meses de cualquier entidad depositaria que no sea Ocean Financial.
- Copia de la póliza de seguro del propietario
- W-2 y declaraciones de impuestos del año más reciente
- 2 nóminas correspondientes a un periodo de 30 días.
¿Preguntas?
Hable con un agente de préstamos.
Llame al 516-620-8100.
*APR=Annual Percentage Rate. Rates and terms accurate as of 3/2/2026 and are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan rates featured are the lowest for the product advertised. Loan-to-value restrictions may apply. No closing costs on new HELOCs between $50,000 and $250,000. Rates advertised are for primary residence. For Home Equity Lines up to $250,000 a minimum balance of at least $25,000 must remain open and be maintained for 36 months after the funding date of the Line of Credit to avoid payment of closing costs. These fees generally range between $1,500.00 and $3,500.00 depending on the line amount, property value, location, and/or property type. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. Introductory Rate is not available to members who are currently paying Introductory Rate on an existing Ocean Financial Home Equity Line of Credit or if Ocean Financial paid the closing costs for a HELOC taken within the past three years. Borrower may obtain credit advances for 10 years. HELOC is a variable rate product with a maximum rate of 18.00% APR.**After the introductory period, your APR will vary with the market based on the Prime Rate. Prime rate as of 12/11/25 = 6.75% APR as published in the Wall Street Journal. The floor APR is 3.00% plus your margin. For Home Equity Lines up to $250,000 a minimum balance of at least $25,000 must remain open and be maintained for 36 months after the funding date of the Line of Credit to avoid payment of closing costs