BusinessOwner? Get up to $26,000 Cash Back on Each Employee on ERC Program!

HomeOwner?Lower payments by up to 25% or more and get Cash-Out!



Mortgage NowERC Now!

Welcome To Ocean Park Financial

At Ocean Park Financial, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We have access to a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 17 different Lenders & Real Estate Investors. This allows us to assist you in getting great rates on all types of programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

We also work with investors and companies who can get you a NoLoan-CashOut through New HELOC Alternative programs. These programs allow you to obtain cash out with our refinancing or applying for a loan. With this cash out you  can pay off debts, start a new business or help you get back on track with your mortgage and other finances.

We are also well crafted in the realm of loan work outs and are loan restructure and modification specialists. We understand how lenders, servicer's and mortgage companies operate, what program eligibility terms are, and how to help influence a lenders underwriting staff to grant a loan modification approval. While you can apply for a loan modification yourself, working with an experienced third party, can help you obtain potentially better outcomes and results.

We also work with attorneys who specialize in predatory lending, unjust loan modification denials, breach of contract and wrongful foreclosure. If you have a mortgage lender who you feel may be unjustly denying you for a mortgage or a loan modification, we may be able to help. Having the right team of seasoned professionals really goes a long way. 

Last but not least, we work with CPA's, Book Keepers, Tax Managers, Enrolled Agents and Tax Attorneys and can assist with Tax Resolution and Tax Incentive Credits. Most recently, there are R&D Tax Credits and the CARES ACT's Employee Retention Tax Credit program your business may be eligible for.

What is the ERC?

ERC is an abbreviation for Employee Retention Tax Credit which is a program that was established under the CARES Act, as a refundable tax credit – a grant, not a loan – that you can claim for your business and get up to $26,000 per each w2 employee.

This stimulus program is designed to help businesses specifically affected by the COVID 19 pandemic that retained employees during 2020 and 2021.

Unlike the PPP program, the ERTC program does NOT require you to spend the funds in any particular way.

Refinance with Historically Low Rates!


Lower Monthly Payment

Take advantage of today's historically low rates, a lower payment can provide security in uncertain times.

  • Good For
  • icon Extra Monthly Money
  • icon Retirement Savings!

Get Cash Out

If your house has increased in value, you can use that equity to get cash-out, for whatever you need!

  • Good For
  • icon Home Improvement
  • icon Paying high-interest debt

Shorten Your Loan Term

Rates on 15 year mortgages can make the payment similar but the pay-off years sooner!

  • Good For
  • icon Lower money towards interest
  • icon Paying off the home sooner!

Options for all..

Considering a mortgage restructure, refinance, purchase loan, modification, or reverse mortgage? We can help!

RestructureRefinanceReverse Purchase

Latest Blog Posts

What is a Mortgage Loan Restructure?


New Programs have been released to potentially reduce your payments by up to 25% or more. 

Click here for more

Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

* Please note: this calculator is for illustration payments and actual payments may vary.

The Ocean Park Financial Advantage


Program Knowledge

We know the latest programs out and current mortgage market trends :)


Fast Processing

We work to close your loan as quickly as possible. We can even hit curveballs!

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Best Service

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

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Utilizing Technology

We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!

Let's Help You...

Lower Your Payment

Lower Your Rate

Get Your First Home

Get Your Dream Home

Get Cash Out

Whatever your goals are we are here to help!
Click our prequalifier to get started!

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Latest News


We can help you lock in a long term fixed rate and get out of your ARM.

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Apply Now

Get started with our easy online application.

Click here to get started

  • See If you qualify for a loan modification

    See what you may qualify for with our quick qualifier! Just enter your zip code to get started. We will tell you what you may qualify and send a proposal letter on completion.

  • Get The Right Loan For You!

    Whether you are looking to modify your mortgage, refinance to save on your monthly payments with today's historic low rates, or looking to get pre-qualified to compete with cash offers, we can help!

  • Get Your Loan Approved Today

    With today's historically low rates, now is a great time to apply for a loan modification or refinance. Complete our quick secure application, and we will get you a custom quote with different options and review which one may best fits your needs!

Ocean Park Financial Contact Information

Contact Us:

Phone: (877) 750-3233

Fax: (877)882-8533

Address: 9171 Wilshire Blvd #500 Beverly Hills CA 90210 

Office Hours:

Monday-Friday: 9am to 6pm
Saturday: 10am to 2pm
Sunday: Closed


There are lots of good reasons to choose an FHA loan.

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Calculate Monthly Payment*

Calculate Monthly Payment
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.