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refinance.
Direct lending. Real estate. Built for the people banks say no to. We make the complex feel, simple.
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Tailored solutions.
Built around you.
From conventional mortgages to specialty programs for investors and self-employed borrowers.
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"The team at Option One Financial were outstanding professionals who excel in their role with efficiency and diligence"
Jumbo Loans
Up to $5M. No PMI. Competitive rates on high-value homes and second homes.
- Loan amounts up to $5M
- Primary residences
- Max Cash Out $1.5M
- Competitive rates for qualified borrowers
Bank Statement Loan
Use 12–24 months of personal or business bank statements instead of tax returns.
- Credit scores from 660
- LTV up to 90%, up to $3.5M
- No W-2s or tax returns needed
- Interest-only options available
Asset Utilization
Leverage your portfolio, not your income, to qualify for a competitive mortgage.
- Credit scores from 660
- LTV up to 80%, up to $3.5M
- No DTI qualification option
- Retired borrowers welcome
Conventional Loan
The conforming loan limit is $832,750 in most areas — up to $1,149,825 in high-cost areas. Any mortgage above these limits is a Jumbo Loan.
- Credit scores from 620
- Down payment as low as 3%
- Conforming limit $832,750 (most areas)
- High-cost areas up to $1,149,825
DSCR (Up to 8 Units)
Qualify on the property's cash flow, not your tax returns. Built for investment properties up to 8 units.
- Credit scores from 660 (1-4 units) & 720 (5-8 units)
- Up to $3M · Min 15% down
- Vest in LLC, corporation, or individual
- Airbnb & short-term rentals OK
Commercial Loans
Institutional financing for income-producing commercial real estate properties.
- Loan amounts from $500K to $5M
- Multifamily, office, retail, industrial
- DSCR options down to 0.86x
- 30-Yr Fixed, ARM, and IO terms
Bridge Loans
Close in 3 to 7 days. For investors and fast movers buying before they sell.
- Close in as little as 3 days
- Short-term second mortgages
- Buy before you sell
- Flexible qualification
P&L Only Loan
No bank statements needed. Qualify using a CPA-prepared profit and loss statement.
- Credit scores from 700
- Max up to $1.5M
- 12 months self-employment
- Great for freelancers & gig workers
HELOC
Home Equity Line of Credit — flexible access to funds when you need them.
- HELOC up to $500k
- Pay interest only on what you use
- CLTV up to 90%
- Flexible revolving credit line
Second Mortgage
Fixed-rate lump sum loan using your home's equity — keep your low first mortgage rate.
- Second lien up to $1,000,000
- Fixed monthly payments
- CLTV up to 85%–90%
- Investment properties eligible
Reverse Mortgage
Convert your home equity into tax-free cash flow or a line of credit without monthly mortgage payments.
- Available for homeowners age 62+
- No monthly mortgage payments required
- Receive cash, line of credit, or monthly income
- Retain home ownership and title
FHA Loan
Government-backed mortgage with lower down payments and flexible credit requirements.
- Down payment as low as 3.5%
- Credit scores from 580
- First-time homebuyer friendly
- 203(k) renovation loans available
VA Loan
Zero-down mortgage for Veterans, service members, and eligible surviving spouses.
- $0 down payment
- No Private Mortgage Insurance (PMI)
- Competitive interest rates
- VA IRRRL streamline refinance
Fast closing. 10 days.
Our direct-lending speed gets your deal structured, approved, and funded in four simple steps.
Apply in minutes.
Submit your basic details online or over the phone. A soft credit pull is performed instantly without affecting your score.
Secure upload.
Securely upload bank statements, tax documents, or property leases depending on your chosen program. We make it easy.
Underwriting approval.
Our in-house underwriting team reviews your documents and issues a clear loan approval, matching you with the optimal structure.
Your deal is funded.
Review your final closing disclosures, sign with a mobile notary, and get your funds. Fast, simple, and direct lending at its finest.
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Estimates are for illustrative purposes only. Does not include taxes, insurance, HOA, or mortgage insurance. Contact OptionOne for a personalized quote. NMLS #1888223.
Recently Funded
A showcase of some of our recently closed mortgages, highlighting our capability in handling diverse borrower scenarios.
Jackson, WY
Structured a high-limit cash-out refinance on a premier Jackson Hole estate, optimizing wealth preservation.
Brentwood, CA
Secured purchase financing for a luxury residence in Brentwood, California with optimal terms.
Pittsburgh, PA
Structured a custom jumbo refinance on a high-value property in Pittsburgh, Pennsylvania, maximizing liquidity.
San Diego, CA
Acquired a luxury home utilizing asset qualification to streamline approval.
Los Angeles, CA
Transitioned construction financing into a stable, long-term mortgage after completion.
Palm Springs, CA
Structured the loan using substantial assets to qualify for relocation downsizing.
Corona, CA
Self-employed first-time homebuyer qualified with bank statements and 15% down.
Palm Desert, CA
Assisted client relocation across country to spend retirement closer to family.
Kissimmee, FL
Financed an experienced investor's purchase of their 11th investment property.
San Jose, CA
Completed a cash-out refinance to fund property renovations and ADU upgrades.
Timnath, CO
Qualified using projected rental cash flow with no personal income documentation.
Yorba Linda, CA
Tapped equity with a 2nd mortgage while preserving a low rate on the 1st mortgage.
Trusted by borrowers.
Proven by results.
Whether you're a first-time homebuyer
or a professional investor — we're your lender.
OptionOne is your trusted partner for every step of the journey. Speak to a real loan advisor in under a minute.