Optio Financing

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    Our Core Loan Services

    Home Purchase

    Are you a first-time home buyer?  We will guide you through the process, making sure to explain all key elements.  Not your first home?  Either way, our goal is to make the loan experience as easy and seamless as possible. 

    • Counseling to make an informed decision
    • Easy online processes
    • Unquestionable integrity
    • Fast Pre-Qualifcation and Pre-Approval processes

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    Home Refinance

    Need to refinance your mortgage to lower your monthly payments?   We have access to some of the lowest rates in the country, and our loan specialists are trained to help you in every step of the process. 

    • A tremendous selection of loan options
    • Counseling to find the right loan for YOU
    • Conforming, Jumbo and Non-Conforming Loans
    • Early rate locks available

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    Cash-Out Refinance

    A cash-out refinance is one of several ways to turn your home’s equity into cash.  Our loan specialists will work with you to help select the best loan solution for your needs.

    • Fast Processing
    • Access to multiple loan options
    • Easy online application
    • Unrivaled customer satisfaction

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    Reverse Mortgages

    We have specialized loan officers that help our clients determine if a reverse mortgage is right for them.  These types of loans are powerful tools that have multiple uses for our clients… Whether it is providing the ability to remain in your home during retirement, or accessing additional funds for a wider investment portfolio, we have packages that fit almost every need.

    • Refinance your current home
    • Purchase a new home
    • Setup a line of credit
    • Access funds immediately

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     End Mortgage Insurance

    Mortgage insurance costs borrowers hundreds of dollars each month, and none of it is applied toward their loan balance.  Our experts can provide a free analysis to see if you qualify to stop paying mortgage insurance.

    • Free analysis of your current loan conditions
    • Options for qualified buyers to stop paying mortgage insurance
    • Easy online processes for loans without MI or PMI
    • Trusted advisors to guide you through the process

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    Home Equity Loans and Home Equity Lines of Credit (HELOC)

    One of the biggest perks of homeownership is the ability to build equity over time. You can use equity to secure low-cost funds in the form of a second mortgage – either a one-time loan or a revolving home equity line of credit (HELOC).

    • Expert guidance for the best loan options
    • Easy online applications
    • Fast processing
    • Access to some of the lowest rates in the country

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    Choose a home loan - Optio Financing

    Why Choose Optio Financing?

    The Latin definition of “OPTIO” is an adjutant, assitant, or helper.
    (Plural: optiones; Latin: Optio, Optiones, from optare, “to choose”)

    Years Of Experience

    %

    Satisfaction Goal

    Get a Mortgage Quote

    Visit our online application portal to get a quick quote, request a pre-qualification letter, pre-approval letter, or begin a full loan application

    Connect with a loan expert whenever you have questions or need expert guidance.

    Easy Mortgage Financing
    Five Star Rating - Home Loans - Mortgages

    What Our Clients Say About Us

    Marcus D..

    "I enjoyed working with David. He was very patient, and their option reports made choosing the right loan extremely easy. We were also able to do everything without leaving our house."

    Scott A.

    “The team at Optio really went above and beyond, helping us through every step of the process. We were able to arrange our loan online from home, making it very convenient.”

    Check Out Our Resource Guide

    Our Resource Guide provides information about Loan Types,
    Closing Costs and the Application Process.

    Learn about home loans - Mortgage

    Mortgage

    Resource Guide

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    Optio Financing is a division of
    Up Mortgage & Capital, Inc.

    Primary Offices are located at:
    301 Junipero Serra Blvd.
    Suite 230
    San Francisco, CA 94127