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The personal loan offers that appear on this site are from companies from which GuideToLenders receives compensation. This compensation may impact how and where products appear on this site including the order in which they appear. GuideToLenders does not include all loan providers or all types of loan offers that are available.
GuideToLenders is not a loan provider but only matches you with lenders that may extend a loan to you. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. There is no guarantee that you will be approved for a loan or that you will qualify for the rates displayed. The offers and rates presented on this website are estimates based on information you submit to us. Your actual rates depend on your credit history, income, loan terms and other factors. Reasonable efforts are made to compile and maintain accurate information. However all loan rates and terms, including APRs, are presented without warranty and are subject to change by the loan providers without notice.
The FREEandCLEAR Rating is based on a comprehensive independent review of the lender by FREEandCLEAR mortgage experts that reflects the lender's mortgage rates, technology platform and loan program offering. The rating is based on public information and market research. Lenders cannot pay to be rated or to change their rating. View FREEandCLEAR Lender Directory FAQs for more information.
CERTIFIED LOW RATE LENDER
The FREEandCLEAR Certified Low Rate Lender badge is awarded based on the results of mystery shopping mortgage rates for over 2,000 lenders. The lenders with the lowest mortgage rates and APR are awarded Gold, Silver or Bronze badges. Lenders with grey-out badges did not receive a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
MORTGAGE PROGRAM LEADER
The FREEandCLEAR Mortgage Program Leader badge is awarded based on the the number of mortgage programs offered by a lender. The more mortgage programs offered by a lender, the higher the rating. Lenders with grey-out badges did not receive a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
TECHNOLOGY ALL STAR
The FREEandCLEAR Technology All Star badge is awarded based on a lender's web site functionality and ease-of-use and if the lender offers an online mortgage application. Lenders with grey-out badges did not recieve a badge. Lenders cannot pay to receive a badge. View FREEandCLEAR Lender Directory FAQs for more information.
Optimum First Mortgage Overview
Optimum First Mortgage is a mortgage bank with operations in one state. Optimum First Mortgage offers numerous mortgage programs including conventional, jumbo, non-owner occupied, FHA, VA and reverse mortgages. Optimum First Mortgage is a FREEandCLEAR Certified Gold Low Rate Lender and Technology All Star.
NMLS ID: 240415
Optimum First Mortgage offers an online mortgage application
Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.
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