Buy with confidence

Want to Save $1000s on Your Mortgage?

As an education based mortgage company we strive to offer you the ideal financing solution for your mortgage needs.

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Mortgage Rate Quote

IN JUST 30 SECONDS!

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Who We Are

Welcome to
Optimal Loans

Optimal Loans is an online Mortgage Broker Channel that gives you access to a wide range of loan products from premium lenders. We help you compare rates and terms to find the option that is a perfect fit for you!

Rather than having to contact multiple lenders and filling out multiple loan applications, our borrowers focus on manifesting their dream home while we do the dirty work on your behalf and present you with a selection of loan options to choose from.

We look forward to hearing your story and discussing your personal needs to match you with loan options for your Home purchase or refinance.

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(510) 426-5626
Anuja Krishnan
We are so happy with the entire process. They helped me get two loans parallel. They went above and beyond to close the loans on time. As a investor I am very happy with Karan and team. They will be my one stop shop for all my loan needs.

Our Process

ALL-IN-ONE SOLUTION

STEP 1

quality

PRE-APPROVAL

A loan pre-approval sets you up for a smooth
home buying experience.

STEP 2

real-estate-agent

SHOP

Start working with a real estate agent
and viewing homes.

STEP 3

applicant

LOAN APPLICATION

A few documents are needed to get a loan file
through underwriting.

STEP 4

application

LOAN PROCESSING

Assemble all the necessary paperwork and
details for the underwriter.

STEP 5

analysis

UNDERWRITING

They closely evaluate all the documentation
in the loan package.

STEP 6

handshake

CLOSING

Documents are drawn and sent to the
title company for closing.

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How We Can Help You

6 Ways We Help You Lock in Lower Rates

Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process quickly, efficiently, and confidently.

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Secure Your Home Purchase Loan

Rates are competitive — so it's a great time to buy! We'll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.

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Refinance for Better Rates

Take advantage of today's great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?

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Compare Rates & Pick the Best

You wouldn't accept the first offer at the car lot, so don't just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.

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Get Your Loan Funded Faster

Other lenders giving you the runaround? Our fast funding options mean you'll never miss out on the house you really want. We will work very efficiently. Hope you will work with us.

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Evaluate Your Property

Know where you stand. With your up-to-date property evaluation in hand, you'll be better equipped to choose the loan terms that fit your goals. This is amazing thing don't misses the chance.

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Get a Cash-Out Refinance

Take advantage of your home's equity with a cash-out refinance — and put your home loan to work for you. Take this opportunity and the benefits that Optimal Loans are offering.

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Loan Rates

Want to see your customized rate, monthly payment, and estimated up-front costs?

Check Loan Rates
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Mortgage Calculator

Estimate your monthly payment and see how much house you can afford.

Use Our Tool
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Apply Online

Use our FREE, secure, online loan application to jump-start the loan process!

Get Started
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Get A Quote

Fill out the questionnaire to start a discussion about your mortgage needs today!

Fill The Application

Our Team

Get To Know Us

Our brand thrives on building meaningful relationships with clients, colleagues, and co-workers. Consider us your passionate ally in helping you and your family craft a future as solid as the foundation of your dream home.

Agent 2

Karan Singh | Mortgage Broker

Meet Karan

Agent 1

Efren Sanchez | Loan Officer

Meet Efren

Agent 3

Vivilya Bojraj | Processor

Meet Vivilya

Testimonials

Client Success Stories

"Thank you very much for the help during the journey of house purchasing. Karan is very friendly and always gave quick response. His team worked very closely, and made each loan application step moving forward smoothly. Thank you for your professional support. I am looking forward to working with you
"We are incredibly grateful to Karan and Efren for their exceptional support in financing our new home. Over the years, they consistently answered our questions and held conferences to ensure everyone was aligned. Time and again, we were told this was a team who truly cares about their clients, and t
"My husband and I are satisfy with the overall services provided by Efren. He is very responsive and helpful. Everything was handled quickly and efficiently. We would highly recommend his services to any prospective home buyer."
"We are immensely grateful to Karan, Efren, and Viviliya for their invaluable assistance in financing our first home. Thanks to their exceptional teamwork, we closed the deal in a record 8 working days. Karan, in particular, went above and beyond, patiently explaining all the costs over the phone and
"I had 3 loans done from Karan and his team . They are best ."
"Karan, Efren and Vivilya together form an amazing Trio when it comes to Mortgage services and was super helpful and delivered at an amazing speed for my mortgage requirements. They were super attentive, easy to reach to and has been very punctual and meticulous throughout the process and also provid
"We had a great experience working with Efren from Optimal loans. The team was super responsive, very attentive to our needs. They worked to get the best rate for us and make an overwhelming home buying process simpler and easier for us."
"I had a positive experience with my loan team, Karan, Efren, and Vivilya. They were knowledgeable, responsive, and guided me through the entire process with clarity. Their professionalism and attention to detail instilled confidence, making the loan application seamless. I highly recommend their ser
"I had an excellent experience working with Karan. His professionalism, market knowledge, and dedication made the entire process smooth. He was attentive to my needs, provided valuable guidance, and negotiated effectively. He went above and beyond to make the entire experience positive and stress-fre
"Karan , Efren and Vivilya. Their knowledge on loan process and focus toward customer service is awesome. As a first time buyer , I had lot questions and queries however Karan and team weee available any time , any day. They took lot of efforts to give me competitive rate. They closed my loan in 2 w

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“I had a positive experience with my loan team, Karan, Efren, and Vivilya. They were knowledgeable, responsive, and guided me through the entire process with clarity. Their professionalism and attention to detail instilled confidence, making the loan application seamless. I highly recommend their services.”

Amy Liu