OptimaFinancing

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Start your financing plan

Nobody wakes up wanting a mortgage. You want lower payments, your first home, a growing portfolio, a stronger business. The loan is just the tool — tell Sam the goal, and get a strategy built around it. About 3 minutes, no credit pull, nothing shared.

Step 1 of 5

What's the goal?
Tell Sam about the property
A few numbers — estimates are fine
Your estimated snapshot
Estimated equity$300,000 (40%)
Est. cash potentially available*$150,000
Est. new P&I at today's average rate—

*Estimates only, based on the numbers you entered and today's national average survey rate — not a quote, approval, or commitment to lend. Available cash assumes a typical 80% loan-to-value limit; your program and terms will vary. Sam will run exact numbers with you.

A little about you
Where should Sam send your strategy?

Pay stubs, bank statements, W-2s — PDF, JPG, PNG, or Word. Up to 5 files, 8 MB each. Files are stored outside the public web space and shared only with Sam. Please don't upload anything with an unredacted Social Security number.

You'll receive your Personalized Financing Snapshot (PDF) by email right away. This is not a loan application and does not affect your credit. Your information is used only by Optima Financing to prepare your strategy — it is never sold, and no mobile opt-in or text message consent is shared with third parties or affiliates. See our Privacy Policy.

Before you start

What happens after I submit the Financing Discovery?

You receive a Personalized Financing Snapshot (PDF) by email right away, and Sam reviews your answers personally and follows up, usually within one business day, with a strategy built around the goal you described. There is no obligation at any point.

Does the Financing Discovery affect my credit?

No. It is not a loan application and nothing is pulled. Your credit is checked only later, with your authorization, when you decide to move forward with a formal application.

How long does the questionnaire take?

About three minutes. It asks about your goal, timing, property and income in plain language, and you can upload supporting documents if you have them handy, though none are required to start.

Is the Financing Discovery the same as applying for a mortgage?

No. It is the planning conversation that comes first. When you and Sam have settled on a direction, the formal application is submitted through the secure origination platform linked on this page.

Ready to make it official? When you and Sam have settled on a direction, submit your full loan application through the secure origination platform: Start your secure application →