Optio Financing
The Latin Definition of “OPTIO” is an adjutant, assistant or helper. (plural optiones; Latin: optio, optiōnēs, from optāre, “to choose”)
At OPTIO Financing, we believe it is our fiduciary responsibility to offer our clients the highest level of service. Residential and Commercial financing processes can sometimes feel stressful and overwhelming. We make it our highest priority to minimize stress and simplify the often challenging task of securing financing.
Our innovative technology and experienced representatives are here to help you select the right options to meet your financing goals. Our proprietary technology and unique Options Reports take the guesswork out of financing, while streamlining your overall experience.
Please reach out to us by phone, email, or contact forms on this site. Our decades of mortgage experience and proprietary financial technology are available to you whenever you need financing for a home or commercial property.
Our motto at OPTIO Financing is: Unlock Your Options!
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
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
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
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
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
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
What Our Clients Say About Us
Scott A.
“The team at Optio really went above and beyond, helping us through every step of a complicated loan. We were able to send files from our phones, and they even had a notary come to our house for the final signatures, making it very convenient.”
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."