Mortgage Loan Programs
Optima is committed to providing the best possible mortgage options and advice while offering the highest quality of customer service. We are founded on integrity and the drive to create a better mortgage experience for our clients. We research for the best Mortgage Loan to fit your needs and current situation. From traditional to non-traditional mortgage Optima works with a wide range of Lenders with competitive rates.
QM LOANS
Optima offers FHA, Conventional, VA, Reverse Mortgage Loans
NON-QM LOANS
Optima offer non-traditional Mortgage Loans to fit everyone’s needs like Bank Statement, Profit and Loss, ITIN, DSCR, Hard Money
Purchasing a home and the mortgage process can, at times, seem like a never ending cycle. Optima has streamlined the mortgage approval process to help you through the home buying experience. Our licensed professional mortgage Loan Officers will be here from your initial questions to the closing table. When you are in the market to buy a new home we want to outline the many mortgage options you may have.
Whether you’re seeking your first home, a vacation home or rental property, you likely have questions. We put everything in writing – from your closing costs to your rate to the number of days that your rate is locked. We will discuss your current needs and long term financial goals to develop a mortgage strategy that will meet your expectations.
- 5% down conventional mortgage loans
- Zero Down payment purchase programs with USDA and VA financing options
- FHA Delegated Lender 3.5% Down
- Fixed Rate Low Down Payment Jumbo
- Assets depletion program for high net worth clients
- VA Loans
- First Time Buyer Programs
Refinancing a home can be one of the most important decisions a homeowner can make in regards to successful financial planning, but many homeowners are unfamiliar with the process and neglect to take advantage of low interest rates that can save them thousands of dollars over the life of their loan. Closing costs, APR, debt to income, credit score, overlays, and loan to value are just some of the mortgage industry’s language that often intimidates homeowners. Let a professional at Optima guide you through the process.
Whether it is taking cash-out for home improvements or debt consolidation, shortening the term of your loan, or simply refinancing to a lower payment, our licensed and highly experienced loan officers will design a mortgage program that satisfies your unique homeownership goals.
- Remove monthly PMI
- Shorten term & save in finance charges
- Increase monthly cash flow
- Lower your interest rate and monthly payment
- Combined first and second mortgages
- Cash out the equity in your home