Home Purchase

Home Purchase

1-4 unit property is considered a residential property. You maybe purchasing it as your first home, second home or as an investment. The Optimal team is excited for you! At optimal loans we bring you the best loan product for your Residential purchasing needs.

We understand that one sock does not fit everyone therefore we carry a wide range of lending solutions. Our team stands by you throughout the whole process. We are a fresh, fast and enthusiastic group that loves to help place people in homes.

Loan Products


  • This loan requires only 5% down
  • Mortgage Insurance is applied

High Balance

  • This loan requires a minimum of 10% down
  • The loan amounts may vary by county


  • This loan requires a 3.5% down payment
  • Great Product for the Frist Time Home Buyer

Jumbo (non-conforming)

  • This loan requires a minimum of 20% down payment
  • Loan amount is more than $625,500. May vary per county

VA Loan

  • This loan requires 0% down payment
  • Loan is for Veterans and active duty members