Improving the quality of life for our clients, employees and the communities we touch.
Working and living life with meaning!
Services
We search far and wide then bring the best loan products to you.
Loan Process
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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
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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
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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
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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
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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
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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
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Yayy! You are done
About Us
Our Vision
Our Team
Tea Feimi
Marketing Manager
Karan Singh
Loan Officer
NMLS: 448464
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
Address
Give us a visit799 Fletcher Lane, Unit 202, Hayward, CA 94544
Phone Number
Call us nowPhone: (510) 225-9100
Business Hours
Monday-Friday: 8am-6pm
Saturday: 8am-6pm
Sunday: Closed