Find A Loan That Fits Your Needs.
Whether you're a first-time buyer or want to
refinance at a lower rate, we can help.
"Can't believe how fast and simple you made this. We got pre−approved for $580K and were in our dream home less than 3 weeks later. We love Optimal Loans!"Angela, Todd
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.
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.
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.
Know Your Options &
Get Pre-Approved with
Our Quick & Easy Tools
Get your FREE
Pre-Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now.
Get Started Now
Analyze Your
Refinance Options
This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.
Get Started Now
Compare Today's
Mortgage Rates
Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.
Get Started NowYour Home Loan Could Be
Fully Funded 30 Days From Now
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Optimal Loans for your home loan or refinance, you can get your money and do what you want with it - usually in less than 30 days.
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: