Established in 1994, we do business the old fashioned way – one by one, family by family. We understand that obtaining a mortgage is one of the most important decisions many of us will ever make and it is our duty to make sure that you make the right one for you and your family. We will always provide you with the mortgage program that’s right for you – based on your specific needs and circumstances. We maintain full processing and closing departments comprised of highly trained mortgage professionals to ensure that your loan is not only closed on time, but with the personalized service you deserve. Our interest rates and closing costs are among the lowest available and, depending on your situation, we can often provide you with a no closing cost or limited closing cost option. Our full range of mortgage programs include: Conventional, FHA, VA, Jumbo, Portfolio and our featured product – the HARP 2.0 Underwater Refinance. At OJ Mortgage, we take our obligation to you, our client, very seriously. Whether you are purchasing a home for the first time or are a seasoned investor, we have the mortgage solution that is right for you. Purchases, refi’s, advice – whatever you need. OJ Mortgage Co., Inc. – proudly serving Floridians since 1994.