how we can help

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.
Red ninja star.


Experience the thrill of homeownership. We'll  guide you through every step of the home-buying process, leveraging our ninja-like skills to secure the best financing options tailored to your needs.

Red ninja star.


Our team will help you explore refinancing options that align with your financial goals. From lowering your interest rate to tapping into your home's equity, we'll ensure a swift and hassle-free refinancing process.

Red ninja star.

loan programs

Explore our diverse range of loan programs, each designed to meet your unique needs. Our commitment to authenticity means you receive personalized advice on the best loan program for your situation.

Why us?

Trust Optimal Rate to bring authenticity, transparency, and efficiency to the forefront, ensuring your journey to homeownership is not just a transaction, but a transformative experience tailored to you.

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Quick Close

Our streamlined process ensures most loans close in just 15 days, setting a new industry standard for speed and accuracy. Compared to other mortgage brokers, our turnaround times are an astonishing 2-3 times quicker, reflecting our commitment to efficient service.

Rate lock

Tailor your interest rate lock to perfection with our custom options! Choose any duration between 8 days and 365 days, allowing you to secure the ideal timeframe that aligns seamlessly with your financial plans.


Our clients have the flexibility to complete the closing process using a computer or smartphone. This convenient option is applicable to all conventional purchases and refinances, ensuring a hassle-free experience regardless of your location.

Someone handing another person the keys to their new home.

Let us meet your home buying needs

We specialize in the following Mortgage Programs for Home Purchases and Refinancing:
15, 20 Or 30 Year Fixed Rate Loans
3, 5, 7 Or 10 Year Adjustable Rate Loans
First Time Homebuyer Programs
(DPA) Down Payment Assistance Program
Cash Out / Debt Consolidation
HELOC (Home Equity Line of Credit)
Jumbo Loans
FHA Home Loans
VA Home Loans
Conventional Loans
USDA Home Loans Loans
Reverse Mortgages
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The process

At Optimal Rate, we believe that the loan process should be predictable and painless. The only way for any mortgage company to achieve this is to have a thorough understanding of how the loan process works and to have the right people in the key roles that interact with your loan at various stages of the process.

Stage 1: Loan Application

stage 2: accepted offer

stage 3: initial underwriting approval

stage 4: Resubmitting for final approval

stage 5: Closing Disclosure/Loan Documents

stage 6: Get your keys!

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What Our customers say

Our family has used Aaron twice, once for a refi and once for the purchase of a new home. Aaron listened to our needs and provided loan options based on what was important to us. Great communication!

stephanie c

Sisters, Oregon

A dark modern living room with large windows.

What Our customers say

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.

tika b

Bend, Oregon

Dark modern living room with grey couch and lamp.

What Our customers say

Aaron and his team did a great job of making sure we understood the process and felt supported through the entire process. Aaron was always quick to respond and made sure all needs were questions were answered thoroughly.

john m

Redmond, OR

Bright modern kitchen with white countertops and woven dining chairs.

What Our customers say

Aaron and Cici were both awesome!  Very professional.  Aaron is great at brainstorming ideas to make things work.  He came up with ideas to help us fund our home purchase that we wouldn’t have thought of.  They were also very communicative and easy to reach if we had questions.  Highly recommend!!!

Scott W

Redmond, OR

Vintage-inspired living room with wood floors and white walls.

What Our customers say

Aaron and Cici were phenomenal, they helped me navigate through this with so much ease. I had no idea what I was doing but they made it seem simple. Will definitely recommend and use them again for any future processes. Thank you both so much.

kory j

Redmond, OR