Find out how much home you can afford right NOW!

Buying a home can often seem like an overwhelming dream, particularly for first-time buyers or those navigating complex financial landscapes. At Optimal Loans, we're dedicated to making homeownership not only possible but also a rewarding experience. Whether you're looking for your first home, upgrading to a larger space, or downsizing for retirement, we tailor our services to meet your specific needs.

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Do I Qualify?

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

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“Karan did an excellent job throughout the whole process of me buying a first time home. He is very professional and knowledgeable. I would recommend him to all of my families and friends. Thank you very much Karan”

Akwinderjit Kaur

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

Complete our simple Mortgage pre-approval letter request
Adjustable Rate Mortgage (ARM)
Receive options based on your unique criteria and scenario
Choose the offer that best fits your needs
Fixed Rates
Adjustable Rate Mortgage (ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA, & USDA Loans
Terms from 5 to 30 Years

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Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.

We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

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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: