The advisor who answers his own phone

Why Optima Financing exists

Most people are handed a loan. Few are given a strategy. Whether it's a first home, a move-up purchase, a rental portfolio, or a building for your business, the financing you choose shapes your cash flow, your taxes, and your options for years — and those decisions deserve an advisor who explains them, not a call center that quotes them.

Sam Razavi built Optima Financing around that belief. As a mortgage loan advisor originating through C2 Financial Corporation — one of the largest independent mortgage platforms in the country — Sam pairs personal, education-first guidance with access to programs from 50+ wholesale lenders, and stays accountable for the outcome himself.

How Sam works

• Straight answers first. If a refinance doesn't pencil or a program doesn't fit, you'll hear it plainly — before you spend a dollar or a credit pull.
• Strategy before product. No default lender, no house product. Your goals set the structure; the program follows.
• Complex scenarios are the specialty. Self-employed income, investor portfolios, commercial purchases, foreign national buyers — the situations that need creative structuring are where an advisor matters most.
• One point of contact. From application to clear-to-close, you work with Sam. Call, text, or email — and get the person who actually knows your file.
• Dual-licensed advantage. Sam is a licensed real estate broker in California and Florida as well as a licensed mortgage loan originator — one advisor who understands both sides of the transaction.

Credentials & licensing

• NMLS #985351 — verify on NMLS Consumer Access
• California Department of Real Estate — DRE #01933447
• Florida Office of Financial Regulation — Loan Originator #LO105146
• Originating residential and commercial loans through C2 Financial Corporation — NMLS #135622 (FL OFR #MBR3519 · TX SML #135622)
• Serving California, Florida, and Texas
• Profiles: LinkedIn · Zillow · Instagram