Buy with confidence
Looking For A Competitive Rate On Your Mortgage?
As an education based mortgage company we strive to offer you the ideal financing solution for your mortgage needs.
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.
Our Process
ALL-IN-ONE SOLUTION
STEP 1
PRE-APPROVAL
A loan pre-approval sets you up for a smooth
home buying experience.
STEP 2
SHOP
Start working with a real estate agent
and viewing homes.
STEP 3
LOAN APPLICATION
A few documents are needed to get a loan file
through underwriting.
STEP 4
LOAN PROCESSING
Assemble all the necessary paperwork and
details for the underwriter.
STEP 5
UNDERWRITING
They closely evaluate all the documentation
in the loan package.
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.
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.
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?
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.
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.
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.
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.
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.
Testimonials
Client Success Stories









What is your interest?
Get Your Mortgage Rate Quote in Just 30 Seconds!
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:
“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.”




