Last Updated: June 4, 2026
Welcome to alexshik.com. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.
This website is operated by Alex Sarkeshik, a licensed mortgage loan originator (NMLS# 335813), affiliated with Optimum First Mortgage (NMLS# 240415). The website provides information about mortgage products and services and allows visitors to submit inquiries.
The content on this website is provided for informational purposes only and does not constitute financial, legal, or mortgage advice. All loan approvals are subject to underwriting guidelines, credit review, income verification, and property appraisal. Mortgage rates and terms are subject to change without notice and vary based on individual creditworthiness and market conditions.
No loan approval or rate lock is guaranteed by submitting a form on this website. Formal loan applications must be completed through the official loan origination process.
You agree to use this website only for lawful purposes. You must not:
All content on this website — including text, images, logos, and design — is the property of Alex Sarkeshik or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.
This website may contain links to third-party websites such as Zillow, Google, or other mortgage platforms. These links are provided for convenience only. We do not control, endorse, or take responsibility for the content or privacy practices of any third-party websites.
This website is provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the website will be error-free, uninterrupted, or free of viruses or other harmful components. Mortgage rates and program information are subject to change without notice.
To the maximum extent permitted by law, Alex Sarkeshik and Optimum First Mortgage shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on information contained herein.
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Los Angeles County, California.
We reserve the right to update these Terms of Use at any time. The "Last Updated" date at the top indicates the most recent revision. Continued use of the website after changes constitutes acceptance of the updated terms.
Questions about these Terms of Use may be directed to:
Alex Sarkeshik is a licensed mortgage loan originator. NMLS# 335813. CA DRE# 01192601. Licensed by Optimum First Mortgage, NMLS# 240415. Equal Housing Lender. Licensed in CA, TX, FL, WA, CO, AZ, NV, OR, ID, MT, UT, PA, HI.