We shape our homes.

And then our homes shape us.

Home is heart, hope and whole lot of capital all rolled into one. Ocean Oaks Lending is dedicated to making your home-buying experience easier, clearer, and simpler. In a word, better. By knowing the questions to ask, and the pitfalls to avoid, we put you in control

At Ocean Oaks Lending, you’re more than your FICO score. Every client, like every mortgage, is unique.

And every mortgage starts with a conversation.

An easier path to a better mortgage starts with a conversation

(805) 455-2719

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Your mortgage.

Managed.

Teena Broumand, Ocean Oaks Lending

Your home. Your path

I’m Teena Broumand. My job is to make the path to your new front door simple, clear and easy. I’ll help you sidestep the pain points and unravel the complexities of the typical mortgage process. I make sure you have a clear sense of your options and a thorough understanding of the process. You’ll have the confidence that you’re in control.

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Home loans and financing for wherever your path leads.

First-time jitters? Fret not! We're your confidant in the home buying process, providing wisdom and support from start to finish. Let’s make your first home a memory to cherish.
For the self-made Californians, Coloradans, and Virginians – your entrepreneurial spirit has a home with us.
VA: To our heroes in uniform, we’re here to serve you as devotedly as you’ve served our country. Let’s unlock the door to your dream home together.
FHA: Dreaming big but starting small? We believe every dream deserves a chance – let’s bring yours to life.
Time for a financial remix? Whether it’s lowering payments or tapping into equity, we’ve got the zest to make it happen.
Reverse mortgage: Turning the golden years into platinum opportunities. Let’s unlock the potential of your home while you revel in your well-earned peace.
A HELOC provides the flexibility to borrow against your home’s value as needed, ensuring you have financial support exactly when you want it.
Whether you’re planning for a growing family, eyeing early retirement, or considering investment properties, we take a holistic view of your long-term objectives.

Clear, practical advice for your home-buying journey.

We'll help you figure out the best loan amount and down payment for your situation, ensuring you get the most value for your budget.
Wondering what all these rates and terms mean? No need to worry about tax jargon or loan limits – we'll explain it all in plain language, specific to your county and unique situation.
We'll look at your upfront cash availability and help you find a payment plan that feels comfortable and sustainable for your budget.
IWe’ll explore ways to pay off debts or improve your credit score, setting you up for a stronger financial future.tem description
Our goal is to negotiate rates and terms that work best for you, so you can enter into your mortgage with confidence and peace of mind.
Whether you’re planning for a growing family, eyeing early retirement, or considering investment properties, we take a holistic view of your long-term objectives.

California • Colorado • Viginia

Welcome to the warm side of home buying.

Falling in love with your house is easy. Falling in love with the home-buying process Well, that’s a little more challenging. It takes a supportive ally. Our services:

Mortgage shopping • Access to multiple lenders • Local market knowledge and connections • Loan comparison and advice • Negotiation • Application assistance • Rate locking • Support throughout the buying process • Specialized expertise

A clear, simple process to guide your home-buying decisions.

Think of a mortgage pre-approval as your golden ticket to the home buying show. It’s proof that you’re not just window shopping – you’re a serious buyer with the means to buy a house. Plus, it gives you a clear picture of what you can afford, so you don’t fall in love with a castle when your budget says cozy cottage. It’s like knowing exactly how much you can spend at a candy store – sweet, right?
In the world of home buying, having bad credit is a bit like showing up to a potluck with store-bought cookies; it’s not ideal, but it’s not a deal-breaker either. There are options like FHA loans that are more forgiving with credit scores, so you might still get to enjoy the homeownership feast. Just be prepared to work a bit harder for it, and maybe bring an extra side dish to the table – like a larger down payment.
Picture this: A fixed-rate mortgage is like a classic rock song – steady, predictable, and you know exactly what you’re getting from start to finish. An adjustable-rate mortgage (ARM), on the other hand, is more like a pop song with a catchy beat that changes tempo partway through. It starts with a fixed intro (the initial rate period), but then the rate can go up or down, making your monthly payments a bit of a dance-off with the market rates.
Ah, the down payment – the first big hurdle in home buying. While 20% down is the traditional track, it’s not the only route to homeownership. Many loans (like FHA) let you leap over with as little as 3.5% down. It’s like ordering a fancy coffee; you don’t always need the large size to get your caffeine fix. Smaller can still get you where you’re going, just with a little less upfront.
Closing costs, the final boss battle before you get the keys. It might feel like everyone’s got their hand out, but these costs cover important stuff like appraisals, legal fees, and loan processing – ensuring the home is truly yours, free of surprises. Think of it as the last level in a video game; it’s challenging, but the reward is your very own home castle. And hey, who doesn’t love a good boss battle victory?

Make it stand out.

1. Get pre-approved

We take a close look at your income, assets, and credit, crafting a loan plan that fits your unique story and future aspirations. It’s about finding the perfect match for your financial goals, whether it’s a new home, a better loan, or leveraging your equity.
2. Cross the T's and dot the I's

Once you’re set on a home or loan option, we’ll handle the paperwork and coordinate all the necessary steps. It’s about making sure every detail is in place for a smooth transition to your new phase.
3. The home stretch

Reaching the final step – your goals within grasp, be it a new home, financial ease, or funds for your next venture. Time for a celebratory moment as you step into new possibilities.
4. Find your fit

Work with your trusted real estate agent to find and put an offer on your ideal home. And if you’re refinancing or exploring reverse mortgages, this is where we tailor the options to align with your current needs and future plans.