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FHA Refinance Combo Loans

Oceanside Mortgage specializes in FHA Debt Consolidation loans and Rate and Term Refinances. With our COMBO loan, you can combine your 1st and 2nd mortgage, credit cards, car loans, any other debt, and even receive cash out. Oceanside Mortgage even offers a $495 flat fee COMBO loan. You pay $495 upfront, which covers the cost of the credit check and the appraisal, and we pay the closing costs!

FHA Debt Consolidation COMBO Loan

With the COMBO loan, you can do any of the following:

  • Pay off all mortgages
  • Pay off credit cards
  • Pay off car loans
  • Take cash out to use as you decide
  • Borrow up to 85% of your home value

FHA Rate & Term Refinance

With a Rate & Term Refinance, you can get out of that high interest rate second mortgage!

  • Pay off 1st mortgage
  • Pay off any "Junior" liens that are at least 1 year old
  • Receive up to $500 cash out at closing
  • Borrow up to 97.75% of your home value

$495 Flat Fee Cash Out

The $495 Flat Fee allows you to get the most money available to you, without wasting your home's equity on closing costs. Oceanside mortgage will actually pay your closing costs for you! If you decide on the $495 Flat Fee, you get a slightly higher interest rate now, and then have the option to take advantage of a No Cost Streamline Refinance later to lower your interest rate. This is one of our most popular options. Ask your loan officer for more details.

For more information about the Streamline program, visit our Streamline Refinance page.

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