Direct lender with competitive rates, instant pre-approval & quick closing
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Direct lender with competitive rates, instant pre-approval & quick closing
⭐️⭐️⭐️⭐⭐
Services
HOW DO WE CONSISTENTLY OFFER THE INDUSTRY'S MOST COMPETITIVE RATES?
We consistently deliver the industry's most competitive rates by operating as a direct lender with access to an extensive network of 22 lenders. This allows us to source the best possible rates for any type of real estate transaction—residential, investment, or commercial. Our streamlined processes ensure instant pre-approval and a guaranteed quick closing within 14 days, enabling us to offer optimal rates efficiently and effectively throughout the real estate buying and selling journey.
Home Purchases & Refinances
Discover the Optimum First Mortgage Advantage:
- Instant Pre-Approval & Competitive Rates: Benefit from our access to 22 diverse lenders, ensuring you get the best financial terms quickly.
- Tailored Real Estate Solutions: Whether you're looking for residential, investment, or commercial properties, we have the expertise to support your goals.
- Market Insights: Stay informed with our deep understanding of current real estate trends.
- Expert Guidance: Navigate the buying and selling process with ease thanks to our seasoned professionals.
- Quick Closing Guarantee: Close in 14 days or less, making your transaction as smooth as possible.
CLOSE ON-TIME GUARANTEE
Receive $1,000 if your loan doesn't close on time. Enjoy peace of mind and never stress about missing a loan closing date again with our Close On Time Guarantee.
Loan Products & Programs
Explore Our Programs Offering Competitive Rates and Instant Pre-Approval:
- Fixed-Rate Mortgages (FRM): Stability over your loan term.
- Bank Statement Program: Tailored for self-employed clients.
- Hybrid ARMs (3/1, 5/1, 7/1, 10/1): Flexible, low initial rates.
- FHA Loans: Lower barriers to home ownership.
- VA Loans: Exclusive benefits for veterans.
- Reverse Mortgages: Financial freedom for seniors.
- Stated Income Loans: Simplified application process.
- Home Equity Line of Credit (HELOC): Access your home's equity flexibly.
WHY CHOOSE US?
At Optimum First Mortgage, we prioritize customer service excellence. As a direct lender, our responsive team ensures calls are swiftly returned, facilitating a seamless and quick closing process.
Key Features:
- Competitive Rates and Instant Pre-Approval: Access the best deals promptly.
- Pleasant and Friendly Staff: Always on hand to provide assistance with a smile.
- Knowledgeable and Honest Advice: We offer clear, straightforward information with no hidden surprises.
- No Hidden Fees at Closing: Transparency is our policy; the price we quote is the price you pay.
- Hassle-Free Experience: We manage all the complexities, allowing you to enjoy the path to homeownership.
Choose Optimum First Mortgage for an honest and efficient home financing experience that puts your needs first.
Current Rates as of 12/21/2024 9:00 AM PST
Loan Details
- Loan Amount: $600K
- Property Value: $750K (LTV 80%)
- Property Type: Single Family
- Occupancy: Primary
30-Year Fixed Conventional Rates ( 6.873% APR):
Rate: 5.619%
Mo. payment: $3,452
Points: 1.794
30-Year Fixed Conventional Rates ( 6.503% APR):
Rate: 6.494%
Mo. payment: $3,790
Points: 0