Wanting to pay less?

A mortgage refinance is the replacement of an existing mortgage with another mortgage.

Refinancing your mortgage can seem daunting, especially for those seeking to improve their financial situation or adapt to changing economic conditions. At Optimal Loans, we're committed to simplifying the refinance process to make it as beneficial and straightforward as possible. Whether you're looking to lower your monthly payments, shorten your loan term, or tap into your home's equity for major expenditures, our expert team tailors our services to fit your specific needs.

Get Your Quote

Why Refinance?

Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.

Show me the money

“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.”

Ray Narsey

The Home Refinance Process

Here’s how our home refinance process works:

Complete our simple home refinance analysis 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

Apply Now

Home Refinance Loans without the Hassle!

Need refinancing options on a home, or other real estate? Choosing a refinance 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 refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.

Apply Now

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: