Headquartered in Fountain Valley, California, Optimum First Mortgage is a thriving mortgage lending company that promises to provide the lowest possible rates in the mortgage industry. In the last five years, the company has offered more than 10,000 loans fulfilling the dreams of a large number of homebuyers.
Optimum First Mortgage endeavors to provide the highest level of customer service to solve the queries and complaints of its numerous customers. The company also discloses all the terms and conditions related to a loan and they do not have any hidden fees or charges.
Optimum First Mortgage Options
Whether you are a first time homebuyer or need a refinancing program, Optimum First offers a complete line of mortgage options to choose from. The loan experts of the company will work with you to help you find the best loan program that will suit your needs. Discussed below are some of the mortgage programs offered by the company.
Fixed rate mortgages are the most common type of mortgage option where the interest and principal payments remain unchanged for the entire loan life. Optimum First Mortgage offers a range of fixed rate loans that include 8, 10, 12, 15, 20, 22, 27, and 30 year fixed-rate terms.
If you want lower monthly payments for the initial loan period, an adjustable rate mortgage is what you are looking for. With an ARM loan, you will get a lower fixed interest rate for an initial set period, after which, your interest rate gets adjusted according to the prevailing market condition. Optimum First offers several adjustable rate loans such as 3/1 ARM, 5/1 ARM, 7/1 ARM, and 10/1 ARM.
If you are looking for competitive mortgage rates with little down payment, you can choose FHA loans, which are mortgage programs insured by the Federal Housing Administration. Military veterans and their surviving spouses can obtain VA mortgages that are guaranteed by the Department of Veteran Affairs. VA loans offer exceptional benefits such as lower interest rates and zero down payment.
If you owe more on your home than your home is worth, a HARP 2.0 refinance loan is what you need to keep your home and pay off your mortgage. On the other hand, with a reverse mortgage, you can get some cash by converting a small portion of your home equity into cash while you are still residing in your home. You can use the cash for some urgent expenses or pay off pending bills.
Optimum First Mortgage Customer Service
Optimum First strives to provide the best possible customer service to assist its customers in times of troubles. You can also get an online mortgage quote by simply providing your name, contact number, loan type, loan amount, property value, and your credit history.
For any queries or complaints regarding your mortgage, contact the company through mail, e-mail or by phone at: Optimum First Mortgage 8900 Warner Avenue Fountain Valley, California 92708 Phone: 855-707-LOAN Fax: (800) 948-0245