The worst decision we ever made was to re-fi our mortgage through Oceanside Mortgage Company. When we started the process, our credit score was 792. It is now in the low 500s. We have never had any lending problems before. We've been with Oceanside now just a year. It has been HELL!!!!What we didn't know at the time of applying for the loan, is that their "customer service" department is farmed out. Our loan officer, the owner of the company, and their other representatives have no idea what payment arrangements are available. Though we insisted we couldn't go forward unless they offered a bi-weekly plan, we were assured this or any other arrangement we would need would be accommodated.This was not true, also, upfront additional money was NEVER mentioned!!!! We were ONLY given the opportunity to speak with "customer service" once the loan was approved and an account # assigned.The truth is to set up the payment plan we specified, we had to put up a month in advance at the time of our first payment. They also DO NOT accept partial monthly payments. Because we can't afford the extra month to set up bi-weekly, we are always late, and we incur a $117 late fee each month.When we reported them to the State Banking Division, and BBB they responded by saying "their loan officer should have explained the terms differently". They also tried to blame me, saying I must have also misunderstood.Let our misfortune be a lesson to you!
Stay away if you can. Rent is high and utility's are not included. Neighbors are nasty at best. Grounds are not kept and no real repair people on hand. Office is nice. If you want to move in pay close attention to who you neighbors might be. All tenents cars need to have proper insurance and registration, unless you don't have it lol.If you don't want to live here its also a great place to dump unwanted furniture or other garbage.