

| For More Information Contact Ira Bodenstein Senior Loan Officer Toll Free: 800-974-6678 x7282 e-mail: ibodenstein@oceanfirst.com |
| Great Mortgage Rates. Great Mortgage Service. Since 1902, OceanFirst Bank has been providing unparalleled customer service to home buyers and the entire real estate community. A home is the largest purchase you’ll ever make, so it makes sense to get your mortgage from a bank that can provide you with a great loan and superior service. While any bank can offer a variety of mortgage loan options, a better bank does more. At OceanFirst we take the time to explain all of your options and help you to select the mortgage program that’s best for you. We’re large enough to finance any size loan yet small enough to provide you with a level of customized service not found with other mortgage lenders. Whether you’re buying your first home, a vacation or investment property, refinancing to lower your existing payments, or consolidating your debt into one low monthly payment, OceanFirst Bank has a loan that is sure to fit your individual needs and lifestyle. Please call Ira Bodenstein, Senior Loan Officer at 800-974-6678 x7282. Ira has more than 25 years of experience in the financial services industry and has been a mortgage banker since 1984. Whether you are purchasing for the first-time or an experienced home buyer, he will assist you in your mortgage financing needs and recommend a mortgage that best fits your situation. |
| Nationwide Lender -Construction Loans Available -Lock a Rate Before You Buy -12-Month Rate Locks -Reverse Mortgages -Interest Only ARMs -Lot Loans |


| Lock and Shop Apply now, lock in your interest rate and take up to 30 days to find your home. Present a contract of sale within 30 days of applying and OceanFirst will guarantee your interest rate for the remainder of your lock-in period. Call for details!! |
| For More Information Contact Ira Bodenstein Senior Loan Officer Toll Free: 800-974-6678 x7282 Office: 973-219-4167 e-mail: ibodenstein@oceanfirst.com |