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Redmond, Oregon neighborhood homes

Independent Mortgage Broker
Redmond, Oregon

Your Local Central Oregon Mortgage Broker serving Redmond, Bend, Sisters, Terrebonne, Prineville, and Sunriver, Oregon

Meet Aaron Myhra, an Oregon native who moved to beautiful Central Oregon in 1999 to raise a young family. Aaron operates Optimal Rate Home Loans in Redmond, Oregon making sure every client gets exceptional communication and service.

Whether you’re a first-time home buyer in need of a new home loan or an existing homeowner looking for refinancing of your current mortgage to a debt consolidation loan or second mortgage – Optimal Rate Home Loans provides all types of home loans to all types of Oregon homeowners in the Redmond and Bend and all throughout Central Oregon from Prineville to Black Butte Ranch to Crooked River Ranch!

Aaron Myhra, an Oregon native moved to beautiful Central Oregon in 1999 to raise a young family. Having spent decades building high end custom homes, multifamily and commercial projects all over Oregon. 


Since 2005, he’s been helping families all over the Northwest accomplish their goals of home ownership, earning the nickname, the “Home Loan Ninja”. Now, built on Aaron’s reputation, he operates Optimal Rate Home Loans in Redmond, Oregon making sure every client gets exceptional communication and service. 


All our mortgage advisors take very seriously the fact that purchasing a home is likely the largest purchase you will ever make. Something this important shouldn’t be left to chance. If you are looking to purchase a new home or refinance an existing home, let one of our Optimal Rate Home Loan mortgage advisors show you why we are the best in the business.

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We specialize in the following Mortgage Programs for Home Purchases and Refinancing:

15, 20 Or 30 Year Fixed Rate Loans

3, 5 Or 7 Year Adjustable Rate Loans

First Time Homebuyer Programs

Cash Out / Debt Consolidation

Jumbo Loans

FHA Home Loans

VA Home Loans

Conventional Loans

Usda Home Loans Loans

Reverse Mortgages

Learn more about how we can meet your home buying needs.

Quick Close


We are built for speed and accuracy! Our crazy-fast, industry-shaking turn times are 2-3 times faster than other mortgage brokers out there.

Rate Lock


We can pick the exact number of days needed to lock your interest rate from as little as 8 days to 365 days.



Our clients can close from anywhere with access to a computer or smartphone. This is available on all conventional purchases/refinances.

Why Work With Optimal Rate Home Loans?

Our independent mortgage broker has been operating in the Central Oregon market since 2005. Finding the right home loan is one of the biggest financial decisions in your life, and we have the tools to make sure you’re prepared. No question is too small. Our number one goal is to become your trusted mortgage broker for life by providing an unparalleled level of service.

Whether you are a first-time home buyer, seasoned investor, buying a 2nd home, upsizing, downsizing or refinancing our goal is to exceed your expectations.

As independent mortgage brokers, we have unparalleled access to the best lenders, loan programs and interest rates available. Our communication, technology, experience and speed are why we are the best mortgage company in Redmond, Oregon, just ask our clients and business partners.

Why Work With Optimal Rate Home Loans?

As Redmond mortgage brokers with exceptionally low overhead, we can shop interest rates and fees with several different lenders getting you the lowest interest rate possible while accomplishing your goals. Retail mortgage lenders and banks have financial obligations and overheads built into the rates they offer. We give you the choice on how we get compensated for doing a great job!

Don’t settle for higher rates and costs that can add up to tens of thousands of dollars over the lifetime of your loan.

What Our Clients Say

When you partner with Optimal Rate Home Loans in Redmond, Oregon you will get five-star service.

"As first-time buyers we were nervous, but Aaron and his team at Optimal Rate Home Loans were on top of explaining things to us. They made each step of the process simple for us and went above and beyond our expectations. We really do give praise to Aaron and his team for what they made happen for our family. Huge thanks to the whole team."

Tika B - Bend, Oregon

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