Preferred Loan Programs

The first step in making any big decision is to consider all the options available to you. So let's begin with Optimum Financial's preferred loan programs.

Interest Only Program: The option of paying interest only keeps your payment far lower than any other type of mortgage loan, allowing you to purchase more home for your money.

100% Financing: For minimum monthly payments and highest interest deductibility.

Sub-Prime: For the borrower with less than perfect credit rating or other special needs. We will work with you to secure a loan that fits your particular circumstances.

Conventional: loan for $300,700. or less, that meets the standards set by Fannie Mae and Freddie Mac, the largest purchasers of home mortgages on the secondary market.

VA Government Loan: VA mortgages are for retired or current military employees.

Construction/Lot Loan: Recommended for the borrower who is buying his/her own lot/property, building a home from the ground up and need acquisition/construction financing.