We offer 6 mortgage programs to match your income type, credit profile, and goals.
Explore each program below to find the one that matches your situation.
Perfect for borrowers with strong credit and down payment options. Competitive rates with 3–20% down payment requirements and flexible terms.
Learn more →Designed for first-time homebuyers and those with lower credit scores. Get approved with just 3.5% down and credit scores as low as 580.
Learn more →Exclusive benefits for veterans and active-duty service members. Zero down payment, no PMI, and rates built for those who served.
Learn more →For luxury properties and high-value acquisitions. Loan amounts starting at $806,500 with streamlined underwriting for qualified borrowers.
Learn more →Flexible documentation for business owners and 1099 contractors. Bank statements, P&L statements, and corporate returns all acceptable.
Learn more →Built for real estate investors. Qualification based on rental income without requiring personal income documentation.
Learn more →FHA and Conventional programs offer accessible pathways with lower down payments and favorable terms for new homeowners.
VA loans provide zero-down financing with no PMI—a true benefit earned through your service.
Jumbo loans are tailored for high-value properties with competitive rates on amounts exceeding conventional limits.
Our Self-Employed program accepts multiple forms of documentation—bank statements, 1099s, and P&Ls—to qualify you fairly.
DSCR loans qualify you on rental income alone, making expansion and portfolio growth straightforward.
Conventional loans unlock our best rates and most flexible terms when you bring strong credit and down payment.
Decades of lending expertise mean we've navigated every market and seen every scenario. Your situation has solutions.
Borrowers trust us because we deliver on our promises. Real people, real reviews, real results.
We close fast and professionally. Your timeline matters, and we honor it with a written guarantee.
Lock in your rate with confidence. Our exclusive program ensures you're never caught off guard by market shifts.
Wherever you're buying, we can serve you. Our nationwide presence means consistent, expert service coast to coast.
Alex works directly with you from application to close. No loan officers, no surprises—just dedicated personal attention.
"Alex made the entire process smooth and transparent. From day one, he explained everything in terms I could understand. When interest rates dropped mid-process, he advocated for me to get the better rate. That's the kind of partner you want in a major financial decision. Highly recommend."
Submit your application online or over the phone. We'll review your finances and give you a clear preapproval number within 24 hours.
Our team reviews your full application and orders the property appraisal. You'll stay informed every step of the way.
Once underwriting is complete, we issue clear-to-close. Final walkthrough, final verification—you're ready.
Sign documents, transfer funds, and get the keys. You're now a homeowner. Congratulations!
Conventional loans require higher credit scores (typically 620+) and larger down payments (3–20%), but offer competitive rates and no mortgage insurance premium caps. FHA loans are more flexible, accepting credit scores as low as 580 and down payments as low as 3.5%, making them ideal for first-time buyers. However, FHA loans carry mortgage insurance for the life of the loan (or 11 years minimum).
Yes, VA loans are available to active-duty service members, veterans, and surviving spouses of veterans who died in service or from service-connected disabilities. You'll need a Certificate of Eligibility from the VA. Contact us and we can help you gather the required documentation.
We accept 2 years of tax returns, 1 year of P&L statements, profit & loss statements for the current year, bank statements, and business licenses. For 1099 contractors, we look at 1099 forms and bank statements showing regular income deposits. The specific documentation depends on your business structure and income pattern.
Yes! DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors of any experience level. Qualification is based on the rental income from the property itself, not your personal W-2 income. This makes it easier for first-time investors to expand their portfolios.
Credit requirements vary by program. Conventional loans typically require 620+, FHA accepts 580+, VA loans have more flexible scoring (580+ preferred but case-by-case lower scores considered), and Jumbo loans usually require 700+. We work with you regardless—sometimes a co-signer or larger down payment opens doors on lower credit scores.
We guarantee closing in 21 days from application to funding. In many cases, we close faster. The exact timeline depends on appraisal turnaround, title insurance, and how quickly you return signed documents. We keep you updated every step.
Our Lifetime Rate Protection program is an exclusive benefit that locks in your rate and provides protection against future market shifts. Once you've closed with us, you gain access to refinance opportunities with exclusive terms if rates improve—no competing quotes needed. It's peace of mind for life.
We're licensed in 13 states including California, Texas, Florida, New York, and others. Check our licensing information below, or reach out directly and we'll confirm. If your state isn't currently listed, we may be able to refer you to a trusted partner.
Mon–Fri, 8am–6pm PT
Saturday by appointment
Alex Sarkeshik | Senior Mortgage Loan Officer
Optimum First Mortgage
NMLS #335813 | CA DRE #01192601