Options Home Loans — Mortgage Broker NMLS #2221613
Unlock Your Buying Power — In Minutes
Quick pre-approval, wholesale rates from 40+ lenders, and expert loan officers by your side.
No commitment. Zero credit impact.
Today's Rates
Live wholesale rates — updated daily
Rates shown are for illustration. APR varies by borrower.
Trusted by 500+ California borrowers
40+
Wholesale Lenders
500+
Loans Closed
18 Days
Avg. Close Time
5.0 ★
Google Rating
Personalized Loan Options
Whether you're buying, refinancing, or tapping your equity — we match you with the right program from 40+ wholesale lenders.
Buy a Home
Quick pre-approval, competitive rates, and expert loan officers by your side from search to close.
Get Pre-ApprovedRefinance
Lower your rate and monthly payment. Real options with no impact on your credit score.
See My OptionsGet Cash Out
Tap into your home equity to pay off debt, renovate, or cover a large expense.
Unlock My CashA Loan for Every Borrower
First-time buyer, veteran, investor, or self-employed — we have the right program for you.
FHA Loans
Low down payment options starting at 3.5% with flexible credit requirements. Perfect for first-time homebuyers.
Learn About FHAVA Loans
Zero down payment and no PMI for eligible veterans, active-duty service members, and surviving spouses.
Explore VA BenefitsConventional Loans
Competitive rates with down payments as low as 3%. Ideal for buyers with strong credit and stable income.
View Conventional RatesNon-QM / Bank Statement
Qualify using 12–24 months of bank statements instead of tax returns. Built for entrepreneurs and business owners.
See Non-QM OptionsFHA Streamline Refi
Refinance your existing FHA loan with minimal paperwork and no appraisal required. Reduce your monthly payment fast.
Start Streamline RefiDSCR Investor Loans
Qualify based on rental income, not personal income. Grow your investment portfolio with flexible DSCR financing.
Explore Investor LoansWholesale Rates — Updated Daily
As a mortgage broker, we access wholesale pricing from 40+ lenders — rates retail banks can't match.
Conventional
- 3% minimum down payment
- No upfront MIP
- Best rates for 740+ credit
FHA Loans
- 3.5% down, 580+ credit
- Gift funds accepted
- Flexible debt ratios
VA Loans
- 0% down payment
- No PMI — ever
- Competitive rates for veterans
Cash-Out Refi
- Up to 80% LTV
- Tax-deductible interest
- Consolidate debt or renovate
HELOC
- Interest-only draw period
- Revolving line of credit
- Only pay on what you use
Non-QM / DSCR
- Bank statement income
- DSCR investor loans
- No tax returns required
APR figures are illustrative estimates based on current market conditions and a well-qualified borrower. Actual rates vary by credit score, LTV, loan amount, and property type. Not a commitment to lend. NMLS #2221613.
Helpful Tools For Your Financial Goals
Free calculators and resources to help you make confident mortgage decisions.
Mortgage Calculator
Estimate your monthly payment including principal, interest, taxes, and insurance for any loan type.
Calculate My PaymentCurrent Home Value
Desired Cash Out
Current mortgage balance
Cash-Out Calculator
See how much equity you can access. Crunch the numbers on a cash-out refinance in seconds.
See My Estimates
Personalized Solutions
Get a custom rate quote tailored to your credit, income, and goals — no credit pull required.
Explore My OptionsReal Stories, Real Savings
"Saved us $400/month vs. our bank"
We were quoted 7.5% by our bank. Options Home Loans came back with 6.875% — that's $400 less per month on our $750k purchase. Closed in 18 days. Absolutely recommend.
Sarah M.
Irvine, CA
"VA loan closed on time — zero stress"
As a veteran, I've heard horror stories about VA loans falling through. Not here. The team knew the VA process inside and out, handled every document, and we closed on time. Zero down, no PMI.
James T.
San Diego, CA
"Bank statement loan changed our lives"
Two years of tax returns showing write-offs meant every bank turned us down. Options Home Loans found a bank statement program that worked perfectly. We're homeowners now after 3 years of trying.
Linda & Carlos R.
Garden Grove, CA
A Smart Way to Find the Best Rate for You
As a licensed mortgage broker, we shop your loan across 40+ wholesale lenders to find the best rate and program for your situation — not just what one bank offers.
How much home can you afford?
You are pre-qualified for
$650,000
$3,200 / mo estimated
Rate
6.75%
APR
6.91%
Down
10%
Term
30 yr
40+ Lenders
Wholesale access
Trusted Agent Partners
Work With a Top California Real Estate Agent
We partner with experienced, highly-rated agents who know the California market inside and out.
Justin Olmos
Zillow Premier Agent · California
Crystal Arroyo
Zillow Premier Agent · California
Buying or selling? Connect with a trusted agent and let us handle your financing — a seamless experience from offer to close.
Get Your Personalized Rate
No credit pull · No obligation · 60-second quote
Step 1 of 3 — Property Details
What are you looking to do?
Experience Real Savings
Get a personalized rate quote in 60 seconds. No credit pull. No commitment. Just real numbers from real wholesale lenders.
NMLS #2221613 · Options Home Loans LLC · 12900 Garden Grove Blvd, Ste 136, Garden Grove, CA 92843