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Kelly Schaar

Senior Loan Officer

(714) 710-3822
(949) 395-8682
Email Me
8900 Warner Avenue
Fountain Valley, CA 92708

No matter how you cut it, real estate mortgages are much like the relationships we have with our clients — they last for decades. That’s why it’s important you choose the best financing option, while working with the right lender. Whether it’s a primary or vacation home, real estate is an investment that should fit your unique financial objectives. At Optimum First Mortgage, we custom tailor a mortgage solution with your overall financial profile to ensure the commitment you assume fits with the objectives you’ve set.

Optimum First Mortgage offers an innovative blend of Direct Lending and Mortgage Brokering. Our reputation is built on exceptional client service, competitive rates and a flexible multi-lender approach. We have the ability to look at over 160 investor programs and custom tailor a solution that fits the borrower’s needs.

• Broad range of conforming and jumbo loan options
• Competitive rates and flexible terms
• Fast, local decision making and processing

With many years of experience in the mortgage banking industry, and extensive practice in originating home loans for both purchase and refinance, I am a firm believer in excellent customer service and offering the most competitive pricing.

I hold my California Real Estate License along with the mortgage loan originators licensing through the Nationwide Mortgage Licensing System.

I have a proven track record of meeting scheduled close dates by making the process easy and enjoyable as evidenced by the numerous recommendations listed below. I am always available 7 days a week by phone, email, or text. We are based in Fountain Valley, California.

I look forward to the opportunity to be part of your next real estate transaction!


Please Email Me For A Quote  


I have worked with Kelly's company twice and have got great results both times. They offered us No Cost, No Points Loan. This was way cheaper then the loan offered by the same lender, with whom i was trying to negotiate a deal at the retail level. They have saved us thousands of dollars at closing as well as thousands of dollars by way of lower APR. I tell all my friends, don't go to the bank branch around the corner and pay them thousand's in closing cost and higher APR, call Kelly and get a better deal. And their notary comes to your location for signing.

Mike Raja, C.H.A, Specialized Hotel Operations/Revenue Management