Optimal. By Every Measure.
Mortgage Brokerage & Financing — 18 loan programs structured around your timeline, your goals, and your life. Backed by the Optimal Standard.
Optimal Mortgage LLC · NMLS #2503896 · Licensed Mortgage Broker · FL MBR6553 · Equal Housing Opportunity
National Average Rates
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POWERED BY
OBMMI™ by Optimal Blue30 YR Fixed
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Conventional
15 YR Fixed
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Conventional
30 YR FHA
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Government
30 YR VA
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Government
30 YR Jumbo
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Non-Conforming
7/6 SOFR ARM
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Adjustable Rate
How Does Your Rate Compare?
These are national averages. Your actual rate depends on your credit score, loan amount, down payment, and property type. Let us run your personalized quote — it takes less than 2 minutes.
RATE DISCLOSURE: Rates shown are national average indices powered by the Optimal Blue Mortgage Market Indices™ (OBMMI™), calculated from actual locked rates across 35%+ of all U.S. mortgage transactions nationwide. Rates are for informational purposes only, are subject to change without notice, and do not constitute a commitment to lend or an offer of credit. Your actual rate will depend on your credit profile, loan amount, property type, occupancy, and other factors. Optimal Mortgage LLC · NMLS #2503896 · Licensed Mortgage Broker · FL MBR6553 · Equal Housing Opportunity.
Loan Programs
From first-time buyers to seasoned investors — we offer 18 loan programs to match every financial profile and property type.
Conventional
Traditional financing backed by Fannie Mae & Freddie Mac.
→ Purchase · RefinanceFHA
Government-backed loans with flexible credit and down payment requirements.
→ Purchase · RefinanceVA
Exclusive benefits for veterans, active duty, and surviving spouses.
→ Purchase · RefinanceUSDA
Zero down payment financing for eligible rural and suburban areas.
→ Purchase · RefinanceJumbo
Financing above conforming loan limits for high-value properties.
→ Purchase · RefinanceDSCR
Qualify based on property cash flow — no personal income required.
→ Purchase · RefinanceBank Statement
12–24 months of bank statements in lieu of tax returns.
→ Purchase · RefinanceDoctor / Professional
Tailored programs for medical professionals and high earners.
→ Purchase · RefinanceITIN
Financing for borrowers without a Social Security Number.
→ Purchase · Refinance1YR | 2YR P&L
Self-employed borrowers qualify using profit & loss statements.
→ Purchase · Refinance1099
Ideal for independent contractors and gig economy workers.
→ Purchase · RefinanceForeign National
Financing solutions for non-US citizens purchasing in America.
→ Purchase · RefinanceNo Income
Asset-based lending with no income verification required.
→ Purchase · RefinanceReverse Mortgage
Convert home equity into tax-free income for homeowners 62+.
→ Purchase · RefinanceHELOC | Second Mortgage
Tap into your home equity with a line of credit or second lien.
→ Purchase · RefinanceNew Construction | Renovation
Finance the build or renovation of your dream home.
→ PurchaseFix and Flip
Short-term financing for investors renovating to resell.
→ PurchaseBridge
Short-term financing to bridge the gap between purchase and sale.
→2026 LOAN LIMITS · FLORIDA STATEWIDE
Loan limits vary by county and program. Florida has multiple tiers based on local home values. Limits shown are effective January 1, 2026. Optimal Mortgage is licensed statewide across all 67 Florida counties.
Standard — Most FL counties · High-Cost — Miami-Dade, Broward, Palm Beach, Collier (FHA) · Maximum — Monroe County / Florida Keys
| Program / Tier | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| CONVENTIONAL — Fannie Mae / Freddie Mac | ||||
| StandardMost Florida Counties | $832,750 | $1,066,650 | $1,289,300 | $1,601,750 |
| High-CostMonroe County / Florida Keys | $990,150 | $1,267,750 | $1,532,950 | $1,904,750 |
| FHA — Federal Housing Administration | ||||
| Standard FloorMost Florida Counties | $541,287 | $693,000 | $837,750 | $1,040,850 |
| High-CostMiami-Dade · Broward · Palm Beach · Collier | $667,000 | $854,050 | $1,032,450 | $1,283,350 |
| Maximum CeilingMonroe County / Florida Keys | $990,150 | $1,267,750 | $1,532,950 | $1,904,750 |
| VA — Department of Veterans Affairs | ||||
| Full EntitlementAll 67 Florida Counties | No Maximum Loan Limit VA does not set a loan limit for eligible veterans with full entitlement. Partial entitlement uses conventional county limits. 1–4 unit properties eligible — borrower must owner-occupy one unit. | |||
| USDA — Rural Development | ||||
| Income-BasedEligible Rural Areas · Single Family Only | No Set Loan Limit USDA does not publish a maximum loan amount. Borrowing capacity is determined by qualifying income and DTI ratios. Property must be in a USDA-eligible area. Household income limits apply. Single-family homes only. | |||
Limits effective January 1, 2026 per FHFA and HUD guidelines. County tier determines the applicable limit — verify your specific county at FHFA.gov or contact us directly. VA limit applies to full entitlement borrowers. Partial entitlement uses conventional county limits. USDA available in eligible areas only. Loans above the conventional county limit require Jumbo financing. Not all borrowers will qualify for the maximum loan amount. Optimal Mortgage LLC is licensed to conduct business across all 67 Florida counties · NMLS #2503896 · FL MBR6553.
Why Optimal Mortgage
We don't just find you a rate. We engineer a financing strategy built around your goals — with the expertise, access, and integrity you deserve.
18 Loan Programs
Access to conventional, government, and specialty non-QM products under one roof — matched to your unique profile.
Fast, Transparent Process
From application to closing — no surprises, no hidden fees, no runaround. Clear timelines and constant communication.
Expert Loan Officers
Our licensed team brings deep product knowledge and a personal commitment to finding the best solution for you.
Licensed & Compliant
FL MBR6553 · NMLS #2503896 — fully licensed, regulated, and committed to ethical lending practices.
Competitive Rates
As a broker, we shop multiple lenders to find you the most competitive rate and terms — not just what one bank offers.
Community Focused
Rooted in Miami, serving Florida and beyond — we understand the local market and the communities we serve.
Every client receives the same standard of care — honest analysis, your best interest first, regardless of which loan officer handles your file.
Ready to Begin
Take the first step toward your new home or your next investment. Our team is ready to build a loan strategy around you.