Delaware : Lender License# 022084 
Florida : MBR2687 
Maryland : Mortgage Lender License# 22262 
Pennsylvania : Licensed by the Pennsylvania Department of Banking under Mortgage license #57568 
Tennessee : Mortgage License# 130037 
Colorado: NMLS# 1470464. Regulated by the Colorado Division of Real Estate. 

North Carolina : B-175922

South Carolina-DCA
Michigan: MI- FL0020510 

Mortgage loans are available in the United States only, and currently not available in Canada, Guam, Puerto Rico or Virgin Islands. Loan inquiries and applications will be referred to a Loan Officer who is licensed in the property state. Equal Housing Lender. Oceans Lending is located at 6 North Park Drive, Suite 108, Hunt Valley, MD 21030, 800-225-9730. Oceans Lending LLC, NMLS ID #1470464 (www.nmlsconsumeraccess.org) is a Delaware limited liability company.
This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your loan lock-in, commitment or closing. All loans must satisfy company underwriting guidelines, interest rates and APRs are based on recent market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other variables. Terms and conditions apply. Additional loan programs may be available. This is not an offer to enter into a rate lock agreement under any applicable law. Call for details. Our Loan Officers are dedicated to helping you with your home financing needs.

© 2016-2017 Ocean's Lending. 844-993-3040

NMLS# 1470464

How Tiny Pieces of Plastic in Our Oceans Are ‘Terrifying’

 

For years, fish have been feeding on tiny pieces of plastic in the ocean, mistaking them for food. These “microplastics,” sometimes thinner than human hair, are now in 85–90 percent of some fish populations, albeit in relatively small quantities, says Richard Thompson, a marine biology professor at Plymouth University. We humans then eat the fish. Thompson, who…

Help End Unsustainable Shark Finning

 

Shark finning is the practice of slicing off a shark’s fins, valuable for soups, and then tossing the body back to sea. It’s wasteful, ecologically harmful, and makes it difficult to track what species are being caught and in what numbers. But you can make a difference by taking about 90 seconds to send...

Local Efforts to Save Coral Reefs May Be Futile

 

Corals in remote and relatively pristine reefs fare little better overall amid global warming than those growing alongside heavily populated coastlines, according to research published Wednesday. The new paper, published in Nature’s Scientific Reports by the University of North Carolina, reinvigorated debate among reef scientists over whether local safeguards and programs could save some of…

Ocean Acidification

 

  In a lab experiment, a sea butterfly (pteropod) shell placed in seawater with increased acidity slowly dissolves over 45 days. Credit:  Courtesy of David Littschwager/National Geographic Society Ocean acidification is sometimes called “climate change’s equally evil twin,” and for good reason: it’s a significant and harmful consequence of excess carbon dioxide in the atmosphere that we…

Humans have tripled mercury levels in upper ocean

 

Pollution may soon overwhelm deep seas’ ability to sequester mercury. Pablo Blazquez Dominguez/Getty Images Bluefin tuna accumulate mercury by virtue of their position atop the ocean food web. Mercury levels in the upper ocean have tripled since the beginning of the Industrial Revolution, and human activities are to blame, researchers report today in Nature1. Although several…

Ocean Dead Zones Are Getting Worse Globally Due to Climate Change

 

Warmer waters and other factors will cause nearly all areas of low oxygen to grow by the end of the century An algae bloom off the coast of Maryland. Such blooms help create low-oxygen areas called dead zones as the algae respire or decompose. (Chuck Gallegos, with aerial support from LightHawk) By Sarah Zielinski  SMITHSONIAN.COM  Nearly all ocean dead…