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.

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.

ALL-IN-ONE SOLUTION

Our Loan Process...

PRE-APPROVAL

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

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

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

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

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

Your 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.

Happy military family enjoying in time together at home.
Creating a new family concept , marriage, love, buying a house for a new beginning of a married life
Retired Senior Couple Looking at Front of House
Happy teenager daughter lies on floor and draws, young asian lady and guy resting on couch in living room

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. Get this opportunity fastly.

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:
Our clients are the foundation of our success.

Client Reviews

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Jazmine Macias
October 19, 2022

Everybody at this company is super friendly and helpful. Karan, Vivilya and Efren explained everything very thoroughly and were very patient with giving us the help that we need. They helped us with a refinance with a cash out with no problem at all. I would highly recommend to family and friends, they are very quick, trustworthy and efficient!

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Kanwarpal chauhan
October 18, 2022

First time homebuyer here, I was so scared of everything as loan process seems so new and complicated to me but Karan and Vivilya made all that loan process so easy and understandable to me.He locked me in really good rate when whole mortgage market is shaking and interests are in upward trend. Will highly recommend Optimal loans.

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Shislye Acosta
October 4, 2022

Karan and his team were so helpful with getting me out my current living situation. I can't express how happy I am to finally have my own place! They were so patient with me being a first time home buyer and it made everything much easier than I thought. Thank you guys for all your support and time. Much appreciated.

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Ai Truong
June 22, 2022

Absolute pleasure to work with. Good communication and result. Highly recommended

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Drew Carpenter
April 1, 2022

Karan at Optimal Loans was great through the whole process! He was able to navigate the crazy bay area market and ended up with a great house with all my requirements!

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Jp Polinar
March 16, 2022

Karan and Vivilya provided great service for my refinancing. It was fast and easy and I also got a good rate. They were very friendly and courteous. I definitely will use them again in the future and would recommend them to others.

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Paula Hudlow
February 21, 2022
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Sumeet Batra
January 11, 2022

Had a great experience working with Optimal loans team - Karan and Vivilya. Their knowledge on loan process and focus toward customer service is unparalleled. They have very competitive rates - and shop around to get the best rates for customers.

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Tracy Bruckner
January 4, 2022

Karan and Vivilya at Optimal Loans did a FANTASTIC job in helping us secure a loan with cash out. We received an awesome rate too. I would highly recommend this team for your re-fi or first loan needs. They are two of the nicest people I have ever met as well. They communicated very well through out he entire process through loan closure. Again, I would highly recommend this team to you. I will definately work with them for my of my future loan needs. Paul/Tracy Bruckner

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Kristin Staat
November 11, 2021

Karan and Vivilya are a dream team! They did a wonderful job on my recent refinance even though my file is a little more difficult than the average homebuyer. Karan and Vivilya were both very helpful and extremely responsive throughout the entire process. They kept me up to date and included me every step of the way - which is hugely important to me. Aside from that, having a lender that is knowledgeable and passionate like Karan is makes all the difference. He's clearly chosen the right career because you can see he loves what he does - it shows in his conveyances and work ethic. I would highly recommend them to any level of homebuyer! Looking forward to working with them again soon.

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Jamie Horn
November 4, 2021

Fastest refinance I've ever been through!

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Ben Blando
October 5, 2021

I bought a Condo home with Karan Singh from Optimal Homes & Loans in August of 2021. I cannot stress how grateful I am to be able to work with a talented and exceptional Realtor such as Karan. He has been polite and courteous from the initial call to the final closing purchase of my new condo. I had limited knowledge and experience, as this was my first time buying a home. Karan has helped me every step of the way, guiding me with his experience, understanding my needs, and adapting throughout my home buying journey. During this journey, multiple unforeseen and unexpected issues continued to plague and block my final purchase, such as issues with my loan officer and the title company, and lack of coordination from my bank. But Karan kept his tenacity and assertiveness to keep other aspects of the purchasing process as smooth as possible. I could not have done this without him, and give him my highest recommendation!

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Harinder Singh
September 8, 2021

If you are looking for someone who knows what they're doing Karan and Vivilya are the best at what they do and have made refinancing an extremely smooth and stress-free process.They made the process as easy as possible and they’re extremely responsive. Everything was well explained in detail and handled on time. After dealing with a lot of other lenders and wasting my time, I’ve learned to go with someone who have the knowledge of what they are doing AND who values their customers. These guys won’t leave you hanging in the middle. They are with you until the very last step with their constant touch.They were quick to respond to all the questions and even any minor clarifications. I WOULD HIGHLY recommend Karan and his team to others without any doubt. Please don’t hesitate to contact him, I can guarantee you won’t be disappointed to work with him!!

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Ray Narsey
May 20, 2021

Karan is very knowledgeable, passionate and proactive. He was great at explaining how everything works and keeping you updated as you go along. He helped my wife and I purchase our first home and got us a much better deal than what the big banks were offering. I would highly recommend working with Karan to Buy or Sell a home 10/10 work and customer service.

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Janel Prasad
February 12, 2021

Karan was very courteous and flexible to accommodate both of our busy schedules, throughout our home buying process. He was also proactive and most important of all, honest and transparent with regards to the type of property we were looking for. We appreciate his professionalism and diligence.

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Yogesh Kumar
January 23, 2021

Awesome all around! Optimal Homes & Loans made our refinance process a breeze. Karan and Vivilya were really great to work and provide top notch service. All communication was very open, honest, professional, and comfortable from first introductions to the finish line. They are well versed in the process, super responsive, and really just a pleasure to work with. I would highly recommend their services to all! Thank you!

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Loveleen Dhaliwal
January 6, 2021

What can I say about Karan Singh? He is not only a great human being, but has an extreme abundance of patience and understanding. While many real estate agents feel the need to upsell clients, Karan Singh uses his expertise for the benefit of the clients he works with. He knows how to go above and beyond in making sure everything is done appropriately, and most of all, he is a man of integrity, whom you can trust. I would be hard pressed to ever recommend anyone other than Optimal Homes for all your real estate needs.

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Prabh Kaur
November 25, 2020

Throughout our refinancing process, Karan and Vivilya were incredibly helpful and patient. They made the usually stressful and time consuming process so much easier, and they did it in a short amount of time. Karan was an excellent guide when putting together all of the paperwork and was always willing to help. I'm really grateful that they were recommended to me, and really appreciate the work that they put in to make our refinancing process quick and easy.

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Baljit singh
November 25, 2020

Many many thanks. They are really great. My refinance experience was wonderful. Thanks again.

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saritamlobo
September 24, 2020

Provided exceptional service during refinancing. Karan and his team provided excellent support and great rates with reasonable closing cost in comparison with others, therefore highly recommend reaching out to them.

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radhika prasad
September 17, 2020

Where do I begin with Optimal Homes & Loan and their entire team! HUGE HUGE HUGE THANK YOU !! I just closed on my dream home and I am so glad that I did not go to my relatives, whose in real estate, and instead got super lucky with Karan ! Karan right off the bat was firm and showed how truly passionate he is with his job. As much as he enjoys it, he takes his job very seriously and making sure that his clients are happy in the end. I started looking around, and within a few weekends of searching I found what I had wanted! Karan knew what I was searching for and how much I was willing to spend; not to mention that Karan had already looked at my numbers prior and I was surprised that I was able to aim higher even. Closing my deal was tough, but he still believed in me and pushed through. Vivilya was also a very key individual who helped connect all the dots, along with Karan. She is very kind and lets you know what is needed and what the next steps and what you should be preparing for as the next steps. Karan and his team definitely made it easy for me, as a young first time home buyer with searching for my home and getting through the loan process. Karan and Vivilya can truly get you through it all! If anyone is ever in the market of purchasing or selling PLEASE go to Optimal Homes & Loans, because you most definitely will not be dissapointed !!

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Sal Saini
June 12, 2020

We’ve have a couple realtors in the past but none had the knowledge, patience and passion as Karan. He should us homes exactly how we described it. It was so hard to pick a house when we literally liked all of them. He gave us insights on why he likes or thinks that needed a change on a specific house and we agreed with him. We ended up buying our dream home very shortly after choosing him as our realtor and we couldn’t be happier. Highly Recommend him to anyone looking for their dream home.

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Cronus Echo
June 4, 2020

This has been a long over due feedback. This is the least I could do let everybody know how pleased I am with my experience with 'Optimal Homes'. So I am going to get down to a lot of details without making this review too long 😉 Before I express my experience with Karan, it's worth shading some light on what we have experienced else where earlier.When we started to look for our first home, we met a bunch of agents and visited a bunch of open houses only to realize that we were wasting our times.We have seen quite a few properties with a bunch of well known agents of the bay area (I wont take names). Some of them has super fancy offices to make the first impressions. But it did not last long. Often I had agents telling me 'I think this is a good place to start with as your first home' when in reality I could not even imagine myself renting that property, let alone owning. I realized most of them just want us to make compromises so that they could score a sale. When we first met Karan, he showed us 4 houses on a weekend. Through out the tours we explained to Karan what we liked and what we did not. We also explained how much we were looking to spend. Surprisingly, he does pay attention very well! Almost every single houses he has scheduled onwards were aligning with our taste/needs/budget. Below are some key points what Karan has to offer: v  He is punctual. v  He is very prompt in responding and taking actions when needed (probably the most important thing in real estate). v  He is knowledgable. He could estimate what needs to be done before moving-in and what needs to be addressed eventually on the fly.Great attention to details. v  He provides practical feedback. He would look into the potentials of a property and break it down how/why it could be beneficial. He also pays attention to the neighborhoods and the surroundings. This is where having an experienced local agent shines. v  He is honest. There were a few times when we went to an open house with Karan, and he knew right away that its not the right one for us. He would point out all the issues and give his honest opinion. East of bay area could be tricky. Within a same city there are streets you want to avoid and there are streets with great prospects. Karan knows this area so well. He'll steer clear of those unwanted areas. v  He takes it personally. He would be as excited as me if he could find a property for below the market price. Or if its a property with some added perks which are easily overlooked. v  He is diligent. Scoring a good deal is not always easy. It requires extra hard work, more browsing and a lot patience. And one need to act promptly once it is found. Karan is always willing to go that extra mile to find a perfect match and act quickly when needed. v  He is professional. He keeps communications on point. He keeps paperworks straight. Within a short period of time we found a place which we liked. We took Karan's advice and made the right offer. We got the deal!Karan also offers loan service which is optional. I was little skeptical about having him as both my buyer's agent and the loan officer. But we got an amazing rate from his company. Having the loan done from his company actually turned out to simplify the closing process. I had one less thing to worry about. Last but not least, Karan has an excellent team. Many thanks to Viviliya for connecting all the dots and for patiently dealing with all the boring stuffs in the back. They made the whole home buying process very simple and fun. Our best wishes for Karan and his team.

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Simran Rai
February 11, 2020

Karan is great to work with. He is very quick, responsive and approachable exactly what i was looking for. He will make sure you understand the process and will coordinate with escrow company and make sure everything is in line till you close. He made sure that I got the best rate for my mortgage.

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Reet Kaur
January 10, 2020

Throughout our home buying and then refinancing experience with Karan and Viviliya was amazing. I will Recommend everyone who are looking for new house or refinancing. They did an excellent job!!! You will get perfect guidance and quick responses for all your questions and concerns. The closing went through less than a month because their experience made the loan process easy and very smooth. I am very grateful for their work . I totally recommend their services.

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J Boss
December 18, 2019

Karan is a very intelligent and talented individual. He was able to help my wife and I purchase our first home. He also helped us secure a great mortgage loan with better terms and rates than the big banks. We closed in 10 business days! Overall I'm very happy with his service, I strongly recommend him. I would work with him again in the future.

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Vivilya Bojraj
May 20, 2019
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Gurtirath Ladhar
June 25, 2018

In a competitive and striking market of today, it is very difficult to buy a house, however, Gurkaran has helped us through. He was easily approachable and very helpful, they made the whole process very easy to follow and simple to understand. They were always there to help with any kinds of questions during business hours as well as other times of the day. Highly recommend working with Karan.

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Victor Ranu
May 2, 2018

Gurkaran knows so much about the loan process and does his due diligence. I received great advice on the specifics of buying a home. Highly reccommend Optimal Loans for all your loan needs!

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