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Know exactly what you can afford before you start searching for a home.

Find Out How Much You Can Afford

Ready To Buy Your First Or Next Home?

Mortgage Home Purchase Loans Without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful but rather SIMPLE! 

Optimist Mortgage is here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a Mortgage Application Over the phone or On-line.    

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time home buyer or a repeat buyer.

The Home Purchase Loan Process

Here’s how our home purchase loan process works:

  • Complete our simple mortgage Loan Application

  • Receive options based on your unique criteria and scenario

  • Compare mortgage interest rates and terms

  • Choose the offer that best fits your needs

What do I need to Qualify?

To determine if you qualify, lenders review your total monthly debt (proposed housing payment + regular monthly debt) as a percentage of your total gross monthly income. The acceptable percentage (DTI) will vary depending upon the specific loan program for which you apply.

Got Questions? We Have Answers.

Tap Below to Get In Touch. We’re Looking Forward To Connecting With You!

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