How can we improve your financial life?
Nobody wakes up wanting a mortgage. You want your first home, lower monthly obligations, a growing portfolio, a stronger business. Sam Razavi builds the financing strategy around the goal — in California, Florida, and Texas.
Today's Market Snapshot Live rates
National average survey rates. Your rate depends on credit, property, and loan details — run your numbers below or get a personalized quote in minutes.
The loan is the tool.
The strategy is the value.
Anyone can quote a loan. Sam's work starts earlier — understanding what you're building, and structuring the financing so it serves that plan for years, not just at closing.
Strategy before product
Structure, term, timing, and cash position are designed around your goals first — then matched to the right program among 50+ wholesale lenders.
Education & clarity
You'll understand the why behind every recommendation — trade-offs explained in plain language, so the decision is genuinely yours.
Problem-solving
Self-employed income, portfolios held in entities, 1031 exchanges, commercial purchases — complex scenarios are where advice earns its keep.
A relationship, not a transaction
Your financing gets reviewed as life changes — equity strategy, payment structure, the next property. Sam stays your advisor after the keys.
What would your payment look like?
Live math, today's average rate pre-loaded. Adjust anything — nothing is saved or sent.
Estimate excludes property taxes, insurance, HOA, and mortgage insurance. Not a quote or commitment to lend — wholesale pricing for your exact scenario is often different (that's the point). Get your real number →
A financing solution for every chapter — first home to commercial portfolio.
Conventional
The workhorse of home financing — fixed and adjustable terms for primary homes, second homes, and investments.
Start My Application →FHA
Lower down payments and flexible credit requirements for first-time and repeat buyers alike.
Learn more → Start My Application →VA
Zero-down financing for veterans, active-duty service members, and eligible surviving spouses.
Learn more → Start My Application →Jumbo
Financing above conforming limits for high-value homes in premium CA, FL, and TX markets.
Learn more → Start My Application →DSCR & Non-QM
Qualify on rental cash flow or bank statements — built for investors, the self-employed, and foreign national buyers.
Learn more → Start My Application →Refinance
Rate-and-term or cash-out — with honest break-even math, so a refi only happens when it truly improves your position.
Learn more → Start My Application →From application to keys — one accountable expert.
Share your goals
A short conversation or the 3-minute planning form — where you are, and where you want to be.
Get your strategy
Sam maps your scenario across programs and 50+ wholesale lenders, and explains the options that genuinely fit.
Move forward
Once you choose a direction, Sam manages the application and underwriting personally — no handoffs.
Clear to close
Signing coordinated around your schedule. You get keys — and an advisor who stays in your corner.
Sam Razavi
Residential and commercial mortgage loan advisor with more than a decade in California, Florida, and Texas lending. Sam built Optima Financing on a simple premise: financing decisions deserve real advice — and a direct line to the person giving it.
#985351
#01933447
#LO105146
Why clients work with Sam
- Direct access. Call, text, or email Sam — not a ticket queue.
- Strategy first. Every recommendation starts with your goals, not a product.
- Complex scenarios welcome. Self-employed, investors, commercial, foreign national.
- Tri-state reach. Licensed in the three biggest housing markets in America.
Rated by real borrowers, everywhere they review.
Mortgage broker FAQs
What does a mortgage loan advisor do?
A mortgage loan advisor looks at financing as part of your broader financial picture — not as a single product to sell. Sam Razavi starts with your goals, explains the trade-offs between loan structures in plain language, and then matches your scenario to the right program among 50+ wholesale lenders available through C2 Financial Corporation. You get a strategy and an explanation of why it fits, not just a quote.
Which states does Optima Financing serve?
Sam Razavi advises on residential and commercial financing in California, Florida, and Texas. He is licensed under NMLS #985351, California DRE #01933447, and Florida OFR loan originator license #LO105146; Optima Financing holds California DRE corporation license #02074306; and he originates loans through C2 Financial Corporation, NMLS #135622.
How is Sam compensated?
Like all licensed loan originators, Sam is compensated through the loan transaction, and every cost is disclosed to you on your official Loan Estimate before you commit to anything. Consultations, strategy sessions, and financing reviews are free — there is no fee to talk through your options.
What loan programs are available?
Optima Financing arranges conventional, FHA, VA, and jumbo loans, refinancing, investor programs such as DSCR and bank-statement loans, foreign national financing, and commercial and SBA real-estate loans.
How fast can I get pre-approved?
Most borrowers receive a pre-approval decision within 24 to 48 hours of submitting a complete application with income and asset documentation. Complex files, such as self-employed income, may take slightly longer.
Will you work with me directly?
Yes. You work directly with Sam Razavi from the first conversation through closing — one advisor, one phone number, one person accountable for your file and your strategy.
Let's design your financing strategy.
No obligation, no impact on your credit. Tell Sam your goals and get a personalized plan — usually within one business day.
Start My Financing Plan