Today's Best Mortgage Rates — Wholesale Direct
Today's Best Mortgage Rates — Wholesale Direct
Compare live rates from 40+ wholesale lenders — all of them active, funded, and vetted. No credit pull. No obligation. Get your personalized quote in under 60 seconds.
30-Yr Fixed
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15-Yr Fixed
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FHA 30-Yr
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VA 30-Yr
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5/1 ARM
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Rates as of Mon, Jul 6, 2026, 9:59 AM PDT
Our rates run consistently lower than Bankrate & competing lenders — and unlike offers that advertise a lower rate with up to 3% in hidden buy-down fees, ours come with zero cost and zero buy-down fees. We work with 40 lenders who actually fund loans — not a padded list of 140+ names used as a marketing number.
No obligation · No credit check · Takes 60 seconds
SSL Secured
256-bit encryption
5-Min Response
Business hours
No Credit Pull
Soft inquiry only
NMLS #2221613
Licensed Broker
5-Star Rated
Google Reviews
No Obligation
No commitment required
Wholesale Lender Network
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Wholesale Rates · No Retail Markup
Your Dream Home.
Our Wholesale Rates.
No Obligation · No Credit Pull
Got a Loan Estimate? Let Us Beat It.
Upload your LE from any lender. We will personally compare it against our wholesale rates — typically 0.25–0.50% lower than retail banks and other lenders.
Our Programs
Loan Programs for Every Borrower Situation
Whether you are a first-time buyer, a veteran, self-employed, or a real-estate investor, we have a loan program designed for your situation.
FHA Loans
3.5% down with credit scores as low as 580. Ideal for first-time buyers and those rebuilding credit.
Learn About FHA
VA Loans
$0 down, no PMI, and our lowest rates. Exclusively for eligible veterans, active-duty service members, and surviving spouses.
Explore VA Loans
Conventional Loans
As low as 3% down with competitive rates. Best for buyers with solid credit and stable income.
View Conventional Options
Non-QM / Bank Statement
Qualify using 12–24 months of bank statements instead of tax returns. Designed for self-employed borrowers.
Explore Non-QM
FHA Streamline Refinance
Reduce your FHA rate with minimal paperwork — no appraisal required in most cases.
Start Streamline Refi
DSCR Investor Loans
Qualify based on rental income, not personal income. Perfect for growing your investment portfolio.
Learn About DSCRLoan Programs
A Loan for Every Borrower
Whether you're a first-time buyer, veteran, investor, or self-employed — we have the right program for you.
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.
Tools
Mortgage Calculators
Estimate your monthly payment or calculate your blended rate across two loans — no sign-up required.
"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. The team was responsive, explained everything clearly, and we closed in 18 days. Absolutely recommend."
— Sarah M.
Orange County, CA · March 2025
"VA loan done right — zero down, zero hassle"
"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, and a rate I couldn't find anywhere else."
— James T.
San Diego, CA · January 2025
"Self-employed and got approved — finally!"
"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. This team changed our lives."
— Linda & Carlos R.
Los Angeles, CA · April 2025
Helping Families Find the Right Loan Since Day One
Why Choose Us
Why Borrowers Choose Options Home Loans
Multiple Loan Programs
Conventional, FHA, VA, bank statement, and investor cash-flow options under one roof.
Non-Traditional Income Expertise
We specialize in borrowers who do not fit standard underwriting boxes.
Experienced Loan Team
Direct access to loan officers who review your full picture, not just a credit score.
Garden Grove, CA Based
Local mortgage professionals serving borrowers across multiple states.
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?
SSL Secured
256-bit encryption
5-Min Response
Business hours
No Credit Pull
Soft inquiry only
NMLS #2221613
Licensed Broker
5-Star Rated
Google Reviews
No Obligation
No commitment required
About Us
About Options Home Loans LLC
Options Home Loans LLC is a licensed mortgage broker headquartered in Garden Grove, CA. We work with borrowers nationwide — from first-time homebuyers using FHA programs to self-employed borrowers, veterans, and real-estate investors who require alternative qualification approaches.
Our team reviews each borrower's complete financial picture to identify the right loan program for their situation. We do not apply a one-size-fits-all approach — we work to find the program that fits you.
Google Reviews
Based on 47 Google Reviews
"Kevin got us a rate 0.5% lower than our bank. Closed in 22 days. Highly recommend."
— Michael T.
"As a self-employed buyer I was nervous. Options Home Loans made it seamless — bank statement loan, no hassle."
— Sarah L.
"Used my VA benefit for the first time. Kevin walked me through every step. Zero down, closed fast."
— James R.
Ready to get started? Call (949) 939-1622 or submit your information online.