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A New World for Self-Employed

  • by Michael Kanuka
  • |
  • August 9, 2020
  • |
  • 1comments

Mortgage Rates Below 3% (First Time Ever)

  • by Michael Kanuka
  • |
  • July 20, 2020

Mortgage Brokers vs Retail Banks

  • by Michael Kanuka
  • |
  • June 15, 2020

Michael J. Kanuka, President

Mike Kanuka founded Ocean Mortgage in 2012 after a 20+ year career in real estate lending, investment & management.  He is Past President of the Rotary Club of Vero Beach, a Board Trustee of Vero Beach Rotary Charities Foundation, and an active member of the Indian River Chamber of Commerce and Realtors Association of Indian River County.  Click on the LinkedIn button below for additional information about "Mortgage Mike":

What People Are Saying

“Always great”

“It is always great working with you, Mike.  On to the next deal.”


D.H. (Closing Agent)

Ocean Mortgage Capital
5
2017-10-25T19:25:46-04:00
“It is always great working with you, Mike.  On to the next deal.” D.H. (Closing Agent)
https://www.oceanmortgage.com/testimonials/always-great-working-with-you/

“Thank you for all your hard work”

"Thank you for all your hard work in keeping this deal together and getting it done for us."  


R.G. (Real Estate Broker)

Ocean Mortgage Capital
5
2013-03-14T20:22:00-04:00
"Thank you for all your hard work in keeping this deal together and getting it done for us."   R.G. (Real Estate Broker)
https://www.oceanmortgage.com/testimonials/thank-you-for-all-your-hard-work/

“Truly enjoyed working with you”

"We would like to thank you for the business you closed with us and hope you were satisfied with our services provided. We want you to know that we truly enjoy working with you and feel honored to be one of your lenders.  We look forward to our continued business relationship for many years to come."


D.H. (Lender)

Ocean Mortgage Capital
5
2017-10-25T20:25:51-04:00
"We would like to thank you for the business you closed with us and hope you were satisfied with our services provided. We want you to know that we truly enjoy working with you and feel honored to be one of your lenders.  We look forward to our continued business relationship for many years to come." D.H. (Lender)
https://www.oceanmortgage.com/testimonials/truly-enjoyed-working-with-you/

“A trusted advisor”

"Michael... just a great big THANK YOU for all your efforts on our behalf. I know our file was challenging, but you were certainly a great "trusted advisor".  Hopefully, we can refer other clients to you or return to you for a different home in the future.  Thanks again for everything and hope to see you again."

M.C. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T20:59:21-04:00
"Michael... just a great big THANK YOU for all your efforts on our behalf. I know our file was challenging, but you were certainly a great "trusted advisor".  Hopefully, we can refer other clients to you or return to you for a different home in the future.  Thanks again for everything and hope to see you again." M.C. (Borrower)
https://www.oceanmortgage.com/testimonials/a-trusted-advisor/

“Job well done”

“Job well done. We bought a house with no money down and no PMI, and we already have equity in our home”

J.M. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:24:49-04:00
“Job well done. We bought a house with no money down and no PMI, and we already have equity in our home” J.M. (Borrower)
https://www.oceanmortgage.com/testimonials/job-well-done/

“So helpful”

“I will remember you for future. You were so helpful”


J.D. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:36:16-04:00
“I will remember you for future. You were so helpful” J.D. (Borrower)
https://www.oceanmortgage.com/testimonials/so-helpful/

“Great job”

“You’ve done a great job! We appreciate it so much!”

D.H. (Lender)

Ocean Mortgage Capital
5
2017-10-25T21:44:27-04:00
“You’ve done a great job! We appreciate it so much!” D.H. (Lender)
https://www.oceanmortgage.com/testimonials/great-job/

“Quality and honesty”

“I appreciate your business, the quality of your files and your honesty”


B.R. (Lender)

Ocean Mortgage Capital
5
2017-10-25T21:50:46-04:00
“I appreciate your business, the quality of your files and your honesty” B.R. (Lender)
https://www.oceanmortgage.com/testimonials/quality-and-honesty/

“A satisfied customer”

“We would like to thank you very much for helping us purchase a home. Everything worked out great. Please feel free to use us as a reference as a satisfied customer”


N.B. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:56:15-04:00
“We would like to thank you very much for helping us purchase a home. Everything worked out great. Please feel free to use us as a reference as a satisfied customer” N.B. (Borrower)
https://www.oceanmortgage.com/testimonials/a-satisfied-customer/

“Thank you so much!”

"I still can't believe it! It never would have happened without you in our corner."


S.T.  (Borrower)

Ocean Mortgage Capital
5
2020-02-11T13:43:59-05:00
"I still can't believe it! It never would have happened without you in our corner." S.T.  (Borrower)
https://www.oceanmortgage.com/testimonials/thank-you-so-much/

“A true professional!”

"Thank you, Mike! I told J. that, regarding the financing, since it was in your hands, not to worry, as we were in very good shape knowing that you were involved. You are a true professional and we appreciate your efforts so much!"


R.L.  (Borrower)

Ocean Mortgage Capital
5
2020-02-11T14:05:36-05:00
"Thank you, Mike! I told J. that, regarding the financing, since it was in your hands, not to worry, as we were in very good shape knowing that you were involved. You are a true professional and we appreciate your efforts so much!" R.L.  (Borrower)
https://www.oceanmortgage.com/testimonials/a-true-professional/
5
11
Ocean Mortgage Capital

“Accomplished more”

"We’ve accomplished more in one week with you than the three months working with a lender who took that long . . . and still couldn’t give us answers we needed.  Thank you very much – we are so thankful that we found you to help us".

N.L. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T15:55:41-04:00
"We’ve accomplished more in one week with you than the three months working with a lender who took that long . . . and still couldn’t give us answers we needed.  Thank you very much – we are so thankful that we found you to help us". N.L. (Borrower)
https://www.oceanmortgage.com/testimonials/260/

“Always a Pleasure”

“It is always a pleasure doing business with you, Mike.  I look forward to working with you again on our next deal”


- T.M. (Lender)

Ocean Mortgage Capital
5
2013-03-14T20:16:35-04:00
“It is always a pleasure doing business with you, Mike.  I look forward to working with you again on our next deal” - T.M. (Lender)
https://www.oceanmortgage.com/testimonials/another-testimonial/

“An absolute pleasure”

"Thank you for the loan, it was an absolute pleasure working with you.  Also I received great feedback from the Underwriters the whole way through."

M.D. (Lender)

Ocean Mortgage Capital
5
2013-03-14T20:21:10-04:00
"Thank you for the loan, it was an absolute pleasure working with you.  Also I received great feedback from the Underwriters the whole way through." M.D. (Lender)
https://www.oceanmortgage.com/testimonials/an-absolute-pleasure/

“Smooth deal!”

"Thank you for a smooth Deal!"

V.S. (Real Estate Agent)

Ocean Mortgage Capital
5
2017-10-25T20:23:24-04:00
"Thank you for a smooth Deal!" V.S. (Real Estate Agent)
https://www.oceanmortgage.com/testimonials/smooth-deal/

“Thorough”

“I figured by your stated credentials that you would be thorough and I was right. Thank you for your promptness in communication”

J.M. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:04:48-04:00
“I figured by your stated credentials that you would be thorough and I was right. Thank you for your promptness in communication” J.M. (Borrower)
https://www.oceanmortgage.com/testimonials/thorough/

“Couldn’t be happier”

“Thank you so much for helping me get my house.  I couldn’t be happier”

D.S. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:18:15-04:00
“Thank you so much for helping me get my house.  I couldn’t be happier” D.S. (Borrower)
https://www.oceanmortgage.com/testimonials/couldnt-be-happier/

“Diligence and patience”

“The entire loan process was eye-opening! You made it more bearable. Thanks for all you did to expedite matters and keep us on course with your diligence and patience”

B.C. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:34:16-04:00
“The entire loan process was eye-opening! You made it more bearable. Thanks for all you did to expedite matters and keep us on course with your diligence and patience” B.C. (Borrower)
https://www.oceanmortgage.com/testimonials/diligence-and-patience/

“Great to work with”

“Thanks for all your hard work, patience and kindness. You were great to work with!”

R.C. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:41:30-04:00
“Thanks for all your hard work, patience and kindness. You were great to work with!” R.C. (Borrower)
https://www.oceanmortgage.com/testimonials/great-to-work-with/

“Dedication and finesse”

"Thank you so much for your dedication and finesse to help my clients finally get to the closing table."

M.G. (Real Estate Agent)

Ocean Mortgage Capital
5
2017-10-25T21:46:13-04:00
"Thank you so much for your dedication and finesse to help my clients finally get to the closing table." M.G. (Real Estate Agent)
https://www.oceanmortgage.com/testimonials/dedication-and-finesse/

“Thanks so much!”

"We are so indebted to you for all the hard work you did in getting us into our home! Thanks so much!"

J.C. (Borrower)

Ocean Mortgage Capital
5
2017-10-25T21:52:50-04:00
"We are so indebted to you for all the hard work you did in getting us into our home! Thanks so much!" J.C. (Borrower)
https://www.oceanmortgage.com/testimonials/thanks-so-much/

“The absolute best!”

"Michael by far was the most important person on my house buying team! He kept me updated on almost a daily basis for the whole 3 month process! He truly fought for me when it came to the sellers and the loan company. You wont be disappointed if you choose Michael!"


B.O.  (Borrower)

Ocean Mortgage Capital
5
2017-10-28T20:17:20-04:00
"Michael by far was the most important person on my house buying team! He kept me updated on almost a daily basis for the whole 3 month process! He truly fought for me when it came to the sellers and the loan company. You wont be disappointed if you choose Michael!" B.O.  (Borrower)
https://www.oceanmortgage.com/testimonials/the-absolute-best/

“Thank you, again!”

"Your dedication to detail is amazing and very much appreciated (and admired)!"


S.T.  (Borrower)

Ocean Mortgage Capital
5
2020-02-11T13:34:17-05:00
"Your dedication to detail is amazing and very much appreciated (and admired)!" S.T.  (Borrower)
https://www.oceanmortgage.com/testimonials/thank-you-again/

“The ultimate professional!”

"Mike, you are the ultimate professional in this business!"


C.A.  (Lender)

Ocean Mortgage Capital
5
2020-02-11T13:52:07-05:00
"Mike, you are the ultimate professional in this business!" C.A.  (Lender)
https://www.oceanmortgage.com/testimonials/the-ultimate-professional/

“Stellar!”

"This was my first home purchase and my experience with Michael Kanuka was stellar. He went well over and beyond his job description to ensure that I was properly educated before making a decision which was extremely helpful. As a result of the excellent customer service I received working with Ocean Mortgage I referred my best friend and his wife who were also first time home purchasers and they had a great experience as well!!."


J.P.  (Borrower)

Ocean Mortgage Capital
5
2020-02-11T13:59:42-05:00
"This was my first home purchase and my experience with Michael Kanuka was stellar. He went well over and beyond his job description to ensure that I was properly educated before making a decision which was extremely helpful. As a result of the excellent customer service I received working with Ocean Mortgage I referred my best friend and his wife who were also first time home purchasers and they had a great experience as well!!." J.P.  (Borrower)
https://www.oceanmortgage.com/testimonials/stellar/

“The Best!”

"As a first-time home buyer, I had only a vague idea about the mortgage process. I went to Mike for help and he walked me through the whole process, turning something complex into something simple. He was always available, day or night and would call me to check in! When taking a big step in life, you want the best people helping you and Mike was certainly that.."


D.J.  (Borrower)

Ocean Mortgage Capital
5
2020-02-11T14:02:30-05:00
"As a first-time home buyer, I had only a vague idea about the mortgage process. I went to Mike for help and he walked me through the whole process, turning something complex into something simple. He was always available, day or night and would call me to check in! When taking a big step in life, you want the best people helping you and Mike was certainly that.." D.J.  (Borrower)
https://www.oceanmortgage.com/testimonials/the-best/
5
15
Ocean Mortgage Capital

From the President’s Blog

  • Recession Prep: Will You Have Liquidity?
  • Fannie’s Aggressive RefiNow Program
  • Secure a Rental Property Mortgage Without a Lease
  • Rate Increases for Second and Investor Homes
  • Do You Know Your Mortgage Broker?
  • Super Bowl Ads
  • Huge Competition Among Mortgage Lenders
  • Merry Christmas

NMLS #901949 (Company)

NMLS #880882 (Individual)

Email: info@oceanmortgage.com

Telephone: (772) 559-4630

Originating Mortgages Throughout Florida
(Based in Vero Beach, Indian River County)

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