Your Mortgage, OPTIMIZED.
Experience personalized lending solutions tailored to your unique financial Needs.
We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, Lender Options, and mortgage Products designed especially for you.
ask us anything!
Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
844-786-1865
get Rates!
Get Your Personalized Mortgage Quote Today! We shop our network of lenders, so you always get the best terms!
Unlock Your Dream Home with Our Optimized Mortgage Solutions.
20+
Years of
Experience
Who we are?
Your Trusted Partner in Home Financing
At Optimized Home Loans, we believe that every client deserves a mortgage plan as unique as they are. Unlike traditional lenders, we prioritize personalized solutions, leveraging cutting-edge technology, our network of wholesale lenders and a deep understanding of the market to offer you the best possible terms. Our team is dedicated to guiding you through every step of the mortgage process with transparency and integrity.
Building Foundations for a
Brighter Future
Home Purchase
Refinance
Home Equity
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
Your Journey to Homeownership Starts Here
We simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates from a network of lenders to help you save on your investment.
what we offer ?
Optimized Mortgage Programs
We streamline the mortgage process to make your homeownership dreams a reality. Our custom solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
First -Time Homebuyer
Buying your first home is a big step — and we make it easier. Our first-time homebuyer programs offer low down payment options, flexible qualification guidelines, and expert guidance to help you make smart, confident decisions.
Low or no down payment options available
Access to down payment assistance and grants
Personalized support from application to closing
FHA Loans
FHA loans are backed by the Federal Housing Administration and are designed to make homeownership more accessible — especially for first-time buyers or those with less-than-perfect credit
Just 3.5% down with flexible credit requirements
Allows gift funds for down payment and closing costs
More forgiving debt-to-income ratio guidelines
VA Loans
VA loans are a powerful benefit for eligible veterans, active-duty service members, and surviving spouses — offering unbeatable terms with no down payment required.
0% down payment and no private mortgage insurance (PMI)
Competitive interest rates and flexible credit requirements
Streamlined options for refinancing and fast closings
DSCR Loans
DSCR loans are designed for real estate investors who want to qualify based on property cash flow—not personal income. Ideal for building rental portfolios without traditional income documentation..
No personal income or tax returns required
Qualification based on rental property cash flow (DSCR ≥ 1.0)
Close in LLC or business name for asset protection
Refinancing
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest.
Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
Jumbo Loans
Jumbo loans are designed for buyers needing financing above conforming loan limits. Whether you're purchasing a luxury home or refinancing a high-value property, we offer flexible solutions tailored to your financial profile.
Loan amounts above $806,500
Competitive rates with flexible underwriting options
Ideal for high-income earners or self-employed borrowers
Testimonials
Camden A
Great experience with Peter! Process was smooth and quicker than any other lender I’ve dealt with before. Had great interest rates compared to other lenders as well. He is very on point with communication and is very friendly! Would highly recommend working with Peter!
M. Johnson
Peter was great! He knew the process very well. He made us aware of everything we needed to do and all that was coming. An absolute pleasure to work with!
What others are saying
Jo T
I’d leave 6 stars if I could. Peter Seroter was unbelievably helpful. This was my first time buying a home and he helped me every step of the way. Even while he was on vacation! Quick replies, quick close, kind service.
Rachel R
We were able to leverage rates and timing for a refinance and we made it from application to “cleared to close” in 4 days. This is because Peter Seroter is tenacious as all get out over the details and so knowledgeable about his lenders that he can get things done the first time. If you combine the time we’ve spent with Peter over, now, both a purchase and refinance it still doesn’t add up to the time and aggravation we had with any single experience with our previous big mortgage lender. I cannot recommend him highly enough.
Dairus W
Peter was a referral from our real estate agent. He made the financing process for the purchase of our new home understandable, stress-free, and seamless…for us. He did all the work! We appreciated his knowledge and expertise along with his patience as he walked us through every step, ensuring we had all the necessary documentation for the loan. Peter’s availability and communication—whether by phone, email, or text—were first-rate. This is our seventh home purchase, and never has the process gone more smoothly. We are grateful to Peter for that!
Jacqueline PG
Pete helped my husband and I secure a mortgage to purchase our home. He was incredibly responsive, and answered all of our (especially mine) numerous questions. He made the homebuying process really simple, and we were really grateful for his knowledgeable, friendly, and excellent client service. Pete doesn’t even live in the same state as we do, but he made everything works seamlessly. Next time we buy a house, we will definitely go through Pete again! I wish every service professional was as wonderful as Pete! I recommend you give Pete a call if you’re looking to buy or refinance a home – no matter where you live, you definitely won’t regret it.
Frequently Asked Questions
What is the difference between a Mortgage Broker and a typical lender?
A mortgage broker has access to a network of lenders so they are able to shop your loan around to the one offering the best terms. This saves you a lot of money, and will ensure a fast, smooth transaction. A typical lender is limited to their own products and underwriting guidelines, and in addition to costing more, they increase your chances of being declined if you have a situation that isn't "in the box."
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible. You aren't just a number here. We prioritize YOU!
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, and identification. We'll will guide you on the specific documents required for your application and cut out anything unnecessary to lighten the burden on you.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine an amount that will work for you.
Do you charge processing and underwriting fees?
No! Another great thing about a mortgage broker is that you can eliminate all of the "junk" fees charged by typical lenders. At Optimized Home Loans, we handle your entire loan ourselves and pass along the savings to you!
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change after a set period of time based on market conditions.
Are all Mortgage Brokers the same?
Definitely not! Some brokers operate as a lender, so that way they can make more profit. A true wholesale Mortgage Broker like Optimized Home Loans will provide the lowest rates and fees without any bloated margins. We treat every customer the way we want to be treated. With honesty and transparency.
How do you Optimize our home loan experience?
We have over 25 years of experience, and know that customers want not only the best rate and lowest fees, but they don't want hassle or a lengthy process. At Optimized Home Loans, we close fast and provide the best experience the industry has to offer.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
quick info
844-786-1865
