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We have helped many incredible individuals finance their dream homes.

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We’ve worked hard to build a reputation that we are proud of and make 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.

Optimal Rate Home Loans is in Redmond, Oregon however we serve the ENTIRE State of Oregon. Our CEO, 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 including in 1993, being invited to build a custom home in Akita City, Japan an experience never to be forgotten.

In August of 2005, he decided to transition his love for real estate to the financing side and began helping families all over the Northwest accomplish their goals of home ownership right as the housing market began to collapse. Aaron dug in and worked hard making it thru the downturn while sharpening his skills, knowledge and understanding of the home loan process from the street level to how the stock & bond markets move the needle. Along the way, he earned the nickname, the “Home Loan Ninja”.

"When my husband and I first started on the journey of purchasing and building a new home, it seemed daunting, insurmountable, and stressful. But for all of the things that the process should have been, there was one person who made the process exceptional and enjoyable, and his name is Aaron Myhra. Aaron was professional, kind, empathetic, thoughtful, never made promises he couldn't keep, and genuinely cared. We have never had an experience with a mortgage professional where they were actually human, and in saying this, I mean actually understanding what the term customer care means, putting himself in our shoes, and truly caring about the people (not the numbers) he works with. There were many times, we had questions, and each and every time Aaron returned our calls, text messages, and was patient, kind, and thorough. I had never once given the qualities Aaron demonstrated throughout this process much thought when it came to purchasing our new home, especially with a mortgage company, but Aaron taught us that caring, kind, helpful, patient, A+++ customer care, professionalism, and empathy made what could have been a stressful process a fun, exciting, and life-changing positive experience.
When deciding where to get your mortgage, go with someone that cares, because they go the extra mile, they care when making the decision to lock in interest rates, knowing what information is important, being responsive, having a sense of humor and a heart to go along with it. We made the right choice, and Aaron Myhra has our business for years to come. Thank you, Aaron, for teaching us that the qualities that you demonstrated time and time again truly made the difference between a sub-par home-building mortgage loan and one that we will never forget."

Staci M - Bend, Oregon

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