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We're in the business of low rates and high customer satisfaction

Get the best return on your dollar with a loan that meets your exact needs.

A+
Better Business Rating
3600+
Reviews
5
★
Yelp Lender
$10B+
In Funded Loans
21000+
Loans Funded

We're more than loan officers sitting behind a desk, we're people you can trust

Your Optimum First loan officer is on your team from start to finish.
Work with a team of experts that offer you the most competitive rates possible.
Get the information you need, when you need it . Your loan officer is one call away and available 24/7.
Enjoy a smooth and transparent process that keeps you in the know and in control at all times.

We've been helping clients achieve their goals for over a decade and it shows

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Buy a home

Turn your dream home into a reality

Get Pre-Approved
It takes two minutes.

Purchase Process Overview

Get the right loan, find your dream home, get approved, and close in no time!

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Optimum Purchase Experience

Enjoy a fast-paced and see-through process that helps you lock in the best rate available and close as fast as possible.

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Close On-Time Guarantee

We'll show up for you or pay up if we miss your closing date.

See How It Works

Refinance

Refinance an existing loan with ease and confidence

Get a Rate Quote
It takes two minutes.

Refinance Process Overview

Enjoy a smooth and stress-free refinance experience and secure the lowest rate available.

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Rate Protection Guarantee

No more second guessing – refinance without closing costs and without worrying about rates.

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At Optimum First we always deliver on our promises

We promise you the lowest rates in the industry.
We promise to lock-in your interest rate.
We promise you will benefit from the highest level of customer service possible.
We promise that all the details associated with your loan will be fully disclosed to you.

People trust us because we put clients before commissions

See what our clients are saying about us
We got an AMAZING rate, the process was super speedy, and absolutely NO closing costs.

Kari Snick

I got exactly what I asked for, no hidden junk fees and a month of no payments.

Ian Buchanan

Amazing to work with, stays on top of your file and makes sure steps are explained.

Sisk Family

We shop so you don't have to!

Optimum First Mortgage actively shops online lenders to make sure we are consistently offering the lowest pricing in the industry.
Apply NowGet a Quote

We offer our lending services in 16 states