We offer a wide range of Investment Opportunities

At Optimal Loans we strive to stay Market Competitive

Our Creative Team is by your side as you Purchase, Refinance or Invest


We search far and wide then bring the best loan products to you.

Home Purchase

Get your dream home

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Lower your Rate or Get Cash out

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Commerical Loans

Ready to think big?

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Loan Process

  • Step 1: Tell us what you are looking for

    Talk to our team and let us know what is on your mind

    Talk with our experts via phone or email

    Fill out an application

  • Step 2: We will give you the best option

    After we know your goals we will lay out the best options in front of you

    Loan Consultant will meet with you face to face or speak to you over the phone

  • Step 3: Get Approved with us

    Underwriting team will review your financials to determine what your money can buy

    Send us your Financial Documents

    We will calculate Debt Ratios, LTV and your Monthly Payments

    We will generate a pre-approval letter for you

  • Step 4: Lock your Rate

    We will lock the rate of your choice and get the file ready for the underwriting stage

    Loan Estimate will be released to you

    Loan Disclosures will be emailed to you

  • Step 5: Let us do our magic

    Our underwriters will review the financial documents

    Property Appraisal will be ordered to determine LTV

    Underwriting team will verify documents and employment

    Final Review of all documents, Debt Ratios and income will be done

  • Step 6: Close your loan

    Closing Documents Sent to Escrow/Settlement Agent

    You sing the closing loan documents

    Loan Funds are released and Deed is recorded under your name

  • Yayy! You are done

About Us

Our Vision

Improving the quality of life for our clients, employees and the communities we touch.

Working and living life with meaning!

Our Team

Tea Feimi

Tea Feimi

Marketing Manager


Karan Singh

Karan Singh

Loan Officer

NMLS: 448464

Vivilya Bojraj

Vivilya Bojraj

Loan Processor


Words from Karan

Optimal Loans strives to stay market competitive by offering expert knowledge and innovative lending solutions. Our number one priority is our commitment to people. We consistently try to simplify the loan process and make each step transparent to our customer. We believe that team work and a positive environment allows each one of us to reach our highest potential. At optimal loans we invest in the best technology to improve the customer experience and ensure data security. We trust that it is our moral duty as a company to give back to the community and assist in enhancing the quality of life locally and globally. We stand strong on the following principles: integrity, compassion, commitment and team work.

- Karan Singh, President & Founder

Contact Us


Give us a visit

799 Fletcher Lane, Unit 202, Hayward, CA 94544

Phone Number

Call us now

Phone: (510) 225-9100


We reply fast! sales@optimalloans.com

Business Hours

Monday-Friday: 8am-6pm

Saturday: 8am-6pm

Sunday: Closed