Residential Loans

Whether you are looking to buy a home or refinance your existing mortgage, Optimus Financial has many options for you to consider to accommodate your financial needs.

We believe that finding the right residential mortgage loan should be fast and easy.

At the heart of approving a potential borrower is what lenders call "the three C's of underwriting:"

• Credit — your credit history.
• Collateral — the value of the property securing the loan.
• Capacity — your financial ability to assume and repay debt

Taken together, these create a portrait of a potential borrower's risk - that is, whether or not he or she will pay back his or her loan. If the risk seems high, the lender will be reluctant to make the loan. Depending on the degree of risk, a lender may choose to charge higher rates and/or fees, or decline to make the loan altogether.

Optimus works with you to make your case as appealing as possible to lenders and to find you innovative and cost-efficient solutions to meet your goals.