Mortgage loan officer in Newport Beach
Alex Sarkeshik (Alex Shik) is a Senior Loan Officer at Optimum First Mortgage, based in Huntington Beach next door, who helps Newport Beach buyers and homeowners with jumbo, purchase, refinance and investment property financing.
- Loan officer
- Alex Sarkeshik (Alex Shik), Senior Loan Officer, Optimum First Mortgage. Full profile
- Licenses
- NMLS #335813 (verify). California real estate salesperson, DRE #01192601.
- Licensed states
- California plus 13 more: Arizona, Colorado, Florida, Idaho, Illinois, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington. See licensed states.
- Reviews
- 4.99 out of 5 across 250+ reviews on Zillow (November 2026)
- Serving
- Newport Beach, ZIP codes 92657, 92660, 92661, 92662 and 92663, and all of Orange County
- Contact
- Call or text (714) 470-6091 · Office 7755 Center Ave, 9th Floor, Huntington Beach, CA 92647
What to know about financing a home in Newport Beach
Jumbo loans are common
Most Newport Beach homes sell above the conforming loan limit, so jumbo financing is the norm rather than the exception. Jumbo programs vary more from lender to lender in down payment, reserves and pricing, which is why comparing several options matters.
Coastal properties
Homes near the harbor, on the islands or on the peninsula can come with flood zone designations, so flood insurance may be required and must be included in the payment. Some coastal condos also have project specific questions. We check these at the start.
Second homes and investment properties
Newport Beach attracts second home buyers and investors. Second home and investment property loans have different rules for down payment, occupancy and rental income. For investors, a DSCR loan that qualifies on the property's rental income can be an option.
Self employed buyers
Many Newport Beach buyers own businesses and write off a lot of income. Bank statement and profit and loss programs, including jumbo versions, let you qualify on what your business actually brings in, while a traditional loan may still price better if your returns support it.
Loans Alex arranges for Newport Beach borrowers
- Home purchase loans
- Refinance and cash out refinance
- Conventional loans
- Jumbo loans
- FHA loans
- VA loans
- Bank statement loans
- Self employed mortgages
- DSCR investment property loans
- Profit and loss statement loans
Program availability, terms and approval depend on your credit, income, assets, property and current guidelines.
Common questions
Who is a mortgage loan officer serving Newport Beach?
Alex Sarkeshik, also known as Alex Shik, is a Senior Loan Officer at Optimum First Mortgage (NMLS #335813) with more than 28 years in mortgage lending. He works with Newport Beach buyers and homeowners on purchase, refinance, jumbo, VA, FHA and self employed loans.
Is Alex Sarkeshik licensed to lend in Newport Beach?
Yes. He is licensed as a mortgage loan originator in California and in 13 other states: Arizona, Colorado, Florida, Idaho, Illinois, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and Washington. You can verify his license on NMLS Consumer Access.
What are Alex Sarkeshik's reviews?
As of November 2026 his Zillow lender profile shows a 4.99 out of 5 rating across 250+ reviews, and Experience.com shows 4.99 out of 5 across 273 aggregated reviews.
Can Alex help me buy a home in Newport Beach as well as get the loan?
Yes, in California. Alex is a licensed real estate salesperson with Optimum First Inc (DRE #01192601), so he can represent you in the purchase and arrange your financing. The two services are separate and you are free to choose a different agent or lender.
Does Alex publish mortgage rates?
No. Rates depend on your credit, loan amount, down payment, property and the market on the day you lock, so Alex quotes them individually with a Loan Estimate.
Also serving: Anaheim Hills · Irvine · Huntington Beach · Orange County