Your #1 trusted option in
refinance.
Direct lending. Real estate. Built for the people banks say no to. We make the complex feel, simple.
Let's chat about your need.
Select an option below to get started.
Fast closing. 10 days.
Our direct-lending speed gets your deal structured, approved, and funded in four simple steps.
Apply in minutes.
Submit your basic details online or over the phone. A soft credit pull is performed instantly without affecting your score.
Secure upload.
Securely upload bank statements, tax documents, or property leases depending on your chosen program. We make it easy.
Underwriting approval.
Our in-house underwriting team reviews your documents and issues a clear loan approval, matching you with the optimal structure.
Your deal is funded.
Review your final closing disclosures, sign with a mobile notary, and get your funds. Fast, simple, and direct lending at its finest.
Estimate your
monthly payment.
1st + 2nd Blended Rate
Calculate your combined effective interest rate and monthly payment across two liens.
DSCR Investor Calculator
Evaluate rental property coverage ratio (Gross Rent ÷ Monthly PITIA) and net cash flow.
What's my payment?
Adjust sliders or type an exact value.
View combined amortization schedule
| Year | Annual Payment | Principal | Interest | Remaining Balance |
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Estimates are for illustrative purposes only. Actual loan qualification, rates, and payments depend on credit profile, property appraisal, and underwriting guidelines. Contact OptionOne Financial for a personalized quote. NMLS #1888223.
Recently Funded
A showcase of some of our recently closed mortgages, highlighting our capability in handling diverse borrower scenarios.
Jackson, WY
Structured a high-limit cash-out refinance on a premier Jackson Hole estate, optimizing wealth preservation.
Brentwood, CA
Secured purchase financing for a luxury residence in Brentwood, California with optimal terms.
Pittsburgh, PA
Structured a custom jumbo refinance on a high-value property in Pittsburgh, Pennsylvania, maximizing liquidity.
Los Angeles, CA
Refinanced a luxury rental property utilizing a DSCR loan program to optimize cash flow.
Los Angeles, CA
Transitioned construction financing into a stable, long-term mortgage after completion.
Palm Springs, CA
Structured the loan using substantial assets to qualify for relocation downsizing.
Corona, CA
Self-employed first-time homebuyer qualified with bank statements and 15% down.
Palm Desert, CA
Assisted client relocation across country to spend retirement closer to family.
Kissimmee, FL
Financed an experienced investor's purchase of their 11th investment property.
San Jose, CA
Completed a cash-out refinance to fund property renovations and ADU upgrades.
Timnath, CO
Qualified using projected rental cash flow with no personal income documentation.
Yorba Linda, CA
Tapped equity with a 2nd mortgage while preserving a low rate on the 1st mortgage.
Trusted by borrowers.
Proven by results.
Whether you're a first-time homebuyer
or a professional investor — we're your lender.
OptionOne is your trusted partner for every step of the journey. Speak to a real loan advisor in under a minute.