OCI LOANS

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Struggling to get financing? WE’RE HERE TO HELP YOU CALL US NOW (866)239-0079

Struggling to get financing? WE’RE HERE TO HELP YOU CALL US NOW (866)239-0079

Why should you work with OCI Loans?

It’s Simple Math

With OCI Loans, you’re treated to the perfect combination of best-in-class professionals with best-in-class service. We set a high bar for both, and straying from that would just make us like everybody else. So we don’t.

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loan programs

HOME PURCHASE PROGRAMS

HOME PURCHASE PROGRAMS
 
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RENOVATION & CONSTRUCTION PROGRAMS

RENOVATION & CONSTRUCTION PROGRAMS
 
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COMMERCIAL FINANCING FOR INVESTORS & DEVELOPERS

COMMERCIAL FINANCING FOR INVESTORS & DEVELOPERS
 
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BUSINESS & PERSONAL FINANCING

BUSINESS & PERSONAL FINANCING
 
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SPECIALTY & UNIQUE PROGRAMS

 
SPECIALTY & UNIQUE PROGRAMS
 
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Happytation

(Happy Consultation) We’re experts that want to see you happy

Bilingual Staff

Bienvenidos todos

Experts

50+ years combined experience

HOME PURCHASE

Becoming a homeowner is more than a milestone — it’s an opportunity to build equity, create stability, and invest in your future. We offer programs for every type of buyer, from first‑timers to seasoned homeowners.
Down Payment Assistance
Programs that help cover part or all of your down payment.
Example: A first‑time buyer receiving a grant to reduce upfront costs.
Closing Cost Assistance
Support to help reduce or eliminate closing fees.
Example: A buyer using lender credits to lower out‑of‑pocket expenses.
1% Down Program
Low‑down‑payment options that make homeownership more accessible.
Example: Purchasing a home with only 1% down and lender‑provided assistance.
Traditional Loans
Conventional financing with competitive rates and flexible terms.
Bad Credit Loans
Options designed for buyers rebuilding their credit.
1st Chance Loans
Programs tailored for buyers who need a fresh start or unique underwriting flexibility.
DISCOVER ALL HOME FINANCING PROGRAMS

ALL CREDIT TYPES

Great People + Great Service

No matter your credit score, we will look at all options for financing. Look nowhere else.

VIEW ALL FINANCING PROGRAMS

CONSULTATION SERVICES

Consultation Services
Building Operations & Project Advisory

We provide comprehensive, building‑focused consultation designed to keep your property operating smoothly, predictably, and profitably. Whether you need a full operational audit or strategic project organization, our team brings deep expertise in real estate, construction, and day‑to‑day building management. Clients rely on us as their trusted sounding board — a knowledgeable partner who understands what it takes to move complex projects from concept to completion.

Building Operations Consultation

Sophisticated, practical advisory support covering every operational layer of your property, including:
  • Building audits
  • Operational reviews
  • Vendor & contract assessments
  • Staffing analysis
  • Custom service plans
  • Annual operations planning
We begin by developing a clear, holistic picture of how your building functions today — its physical condition, daily routines, vendor performance, and the resident experience. Our audits and operational reviews identify strengths, vulnerabilities, and opportunities where small adjustments can create meaningful improvements.
Next, we evaluate contracts, staffing structures, and service expectations to ensure every component aligns with your long‑term building strategy. Vendor and contract assessments examine scope, responsiveness, and value; staffing analysis reviews coverage, responsibilities, and workflow continuity.
The result is a tailored service plan and annual operations roadmap that is clean, actionable, and realistic. You receive a prioritized sequence of improvements, maintenance strategies, and vendor or staffing recommendations that make daily operations more efficient and easier to manage.

ADU Guidance & On‑Property Sales Support

In addition to operational consulting, we offer specialized guidance for Accessory Dwelling Units (ADUs). Our team helps you navigate ADU guidelines, compliance requirements, and best practices — whether you’re building, optimizing, or preparing to sell.
We also support homeowners who wish to sell their ADU while remaining on the property, ensuring the process is compliant, strategic, and aligned with local regulations. From feasibility to documentation to positioning your ADU for maximum value, we walk with you every step of the way.
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Loan Application

Ready to start a loan application?

With OCI Loans, you’re treated to the perfect combination of best-in-class professionals with best-in-class service. We set a high bar for both, and straying from that would just make us like everybody else. So we don’t.

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