Frequently Asked Questions (FAQs)

If you have questions about your loan with Oceanside Mortgage Company and would like to speak to someone, please give us a call at 1-800-349-0787. Our team members are available Monday – Friday 8:00 am – 9:00 pm ET and Saturday 8:00 am – 12:00 pm ET to help you.


Loan and Life Changes

Q: I am divorced and not living in the home – am I still liable?

A: Yes, if you signed the Note and Security Instrument (Mortgage or Deed of Trust), you are still liable for the payments. Most divorce agreements do not alter your obligation to make payments.

Q: I am in need of financial assistance – whom do I call?

Please contact our Collections Department 1-800-349-0787 at and they will be glad to assist you.

Q: Who do I call for information on refinancing my existing loan?

A: The Agents from our Direct Lending team will be glad to assist. Please call 1-800-349-0787.

Q: If I have an Adjustable Rate Mortgage loan, how will I be notified of an upcoming payment change?

A: ARM change notifications will be generated and mailed to you prior to the pending change. Based on the index in effect at that time, as stated in your Note, the resulting ARM change may produce an increase or decrease in your monthly payment amount. If the resulting change causes an increase in your payment amount that you believe will cause financial hardship, please contact our Customer Care Department at 1-800-349-0787 to discuss the options that may be available to you.