Terms & Conditions
Last updated: July 1, 2026
Introduction
These Terms and Conditions govern your use of the Optima Financing website (https://optimafinancing.com) and related services. By accessing our website, you agree to comply with these terms.
Not a commitment to lend
Seyed (Sam) Razavi originates residential and commercial mortgage loans through C2 Financial Corporation, NMLS #135622. Optima Financing is not a direct lender. Content on this website is for informational purposes only and is not a loan approval, rate quote, or commitment to lend. All loan approvals, rates, and terms are determined by the funding lender and are subject to credit approval, property appraisal, and underwriting requirements. Rates and programs change without notice.
Website usage
You agree to use our website only for lawful purposes. You must not:
- Engage in illegal activities using our website;
- Attempt unauthorized access to our systems;
- Use our content without permission.
Intellectual property
All website content, including text, images, logos, and software, is the property of Optima Financing. Unauthorized reproduction or distribution is prohibited.
SMS/text messaging terms
By checking the SMS consent box on one of our forms and providing your phone number — or by texting us first — you consent to receive conversational and informational SMS text messages from Optima Financing, such as replies to your inquiry, appointment reminders, and status updates about your request or loan file.
- Opt-out: Reply STOP to any message to opt out at any time.
- Help: Reply HELP for support, or contact us at (657) 577-9108 ext. 101.
- Rates: Message and data rates may apply.
- Frequency: Messaging frequency may vary.
- Consent: Consent to receive text messages is optional and is not a condition of receiving any service.
- Privacy: Visit our Privacy Policy to see how your information is handled. No mobile opt-in or text message consent will be shared with third parties or affiliates.
Liability disclaimer
Optima Financing is not responsible for errors, omissions, or website downtime. We do not guarantee that our website is free of viruses or other harmful components. Loan program details, limits, and figures on this site are believed accurate as of the date published but are subject to change by regulators and lenders.
Third-party links
Our website may contain links to third-party sites. We are not responsible for the content or privacy practices of these external websites.
Texas consumer disclosure
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.
Governing law and dispute resolution
These terms are governed by the laws of the State of California. Disputes will be resolved through binding arbitration in California, except where applicable law provides otherwise.
Changes to these terms
We may update these Terms and Conditions periodically. Changes will be posted at https://optimafinancing.com/terms-conditions.
Contact information
Optima Financing
Phone: (657) 577-9108 ext. 101
Email: sam.razavi@optimafinancing.com
Seyed (Sam) Razavi · NMLS #985351 · CA DRE #01933447 · FL OFR #LO105146
C2 Financial Corporation · NMLS #135622 · FL OFR #MBR3519 · TX SML #135622