Wholesale Mortgage Broker in Orange County, CA | Options Home Loans NMLS #2221613
Discover Your Best Mortgage Options in 60 Seconds
Buying, refinancing, or investing? Explore mortgage options personalized to your financial goals — without starting a full mortgage application.
No commitment. Zero credit impact.
Today's Rates
Live wholesale rates — updated daily
Rates shown are for illustration. APR varies by borrower.
Trusted by California borrowers
Licensed · NMLS #2221613
Multiple
Wholesale Lenders
Licensed
Mortgage Broker
Fast
Pre-Approval Process
NMLS
#2221613
Personalized Loan Options
Whether you're buying, refinancing, or tapping your equity — we match you with the right program from multiple 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 multiple lenders — programs and rates not available at a single retail bank.
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 multiple wholesale lenders to find the right 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
Multiple 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
Frequently Asked Questions
Common questions about working with a mortgage broker.
What does a mortgage broker do?
A mortgage broker is a licensed intermediary who works on your behalf to find and compare mortgage options from multiple lenders. Rather than lending money directly, a broker submits your application to wholesale lenders, negotiates terms, and guides you through the process from pre-qualification to closing.
How does a wholesale mortgage broker work, and why can it get better rates than a bank?
Wholesale mortgage brokers have access to lenders who offer rates exclusively through the broker channel — not to the general public. Because a broker shops your loan across multiple wholesale lenders simultaneously, lenders compete for your business, which can result in better options than you might find by going directly to a single retail bank.
How do mortgage brokers get paid?
Most mortgage brokers are compensated by the lender at closing through a lender-paid compensation arrangement, which means no out-of-pocket broker fee for you. Borrower-paid compensation is also an option in some cases. All compensation is disclosed on your Loan Estimate, so you can see exactly what is being paid and to whom. Ask your broker how they are compensated before you proceed.
How do I know a mortgage broker is trustworthy?
Verify that the broker holds an active NMLS license at nmlsconsumeraccess.org. Options Home Loans is licensed under NMLS #2221613. You can look up the license, check for any disciplinary history, and confirm the broker is authorized to originate loans in your state. Comparing Loan Estimates from multiple sources is also a reliable way to evaluate whether the terms you are being offered are competitive.
Should I compare Loan Estimates from multiple lenders?
Yes. Federal law requires lenders and brokers to provide a standardized Loan Estimate within three business days of receiving your application. Comparing Loan Estimates from two or three sources lets you evaluate interest rates, APR, closing costs, and loan terms on an apples-to-apples basis. Even a small difference in rate can save thousands of dollars over the life of the loan.
Do you serve my area?
Options Home Loans is licensed to originate mortgage loans in California, Texas, Florida, Colorado, and Washington. If you are located in one of these states, we can help you explore your mortgage options.
States We Serve
Options Home Loans LLC · NMLS #2221613 · Licensed in CA, CO, FL, GA, TX, WA · Equal Housing Lender