Protecting value.
Delivering stability.
Optimal Mortgage LLC is a licensed mortgage broker headquartered in Miami. We are part of the Optimal Enterprises family of companies — a multi-division real estate and financial services organization built on one operating principle: every client receives the same standard of care, every time.
A mortgage brokerage built on
institutional consistency.
Optimal Mortgage LLC is a licensed mortgage broker operating statewide. We arrange residential and commercial mortgage loans through a network of wholesale lenders — matching each client's specific file to the lender whose programs, guidelines, and pricing best fit their situation. We do not fund loans directly. We do not have a proprietary product to push. Our obligation is to find the right fit for each file.
We operate from our office at 7700 N Kendall Dr, Suite 402, Miami, FL 33156. Our team is licensed to originate mortgage loans across all 67 counties.
Optimal Mortgage is one division of Optimal Enterprises LLC — a parent company with eight divisions spanning mortgage, insurance, real estate, appraisal, property management, and development. That integration is a genuine operational advantage for clients: when multiple Optimal divisions are involved in a transaction, the coordination between mortgage, realty, and appraisal reduces the information gaps that cause most closing delays.
The Optimal Standard — what it means in practice
The founding principle of Optimal Mortgage is that every client should receive the same quality of service, analysis, and advocacy — regardless of loan size, loan type, or which loan officer handles the file. This is not a marketing statement. It is the operating architecture of the company.
Most mortgage companies are built around individual producers. The star loan officer closes the business, retains the client relationships, and carries the institutional knowledge. When that person is busy, on vacation, or eventually moves on, the client's experience degrades. We built Optimal Mortgage differently — around processes, documentation standards, and a team-based service model that makes the institution reliable, not the individual.
That means when you call our office at any time, you will receive the same honest analysis, the same commitment to your best interest, and the same standard of care — from every member of our team. Your mortgage should not depend on which desk picks up the phone.
What the broker model means for you
A mortgage broker is not a lender. We do not fund loans from our own capital or offer our own proprietary mortgage products. Instead, we have relationships with multiple wholesale lenders simultaneously — and we place each client's file with the lender whose guidelines, pricing, and product availability best fit that specific loan.
For a deeper look at the broker vs. bank comparison, see our Why Use a Mortgage Broker guide in the Guidance section.
Eight divisions. One standard.
Optimal Mortgage is one of eight divisions operating under the Optimal Enterprises LLC parent company. The family covers the full spectrum of real estate services — from the first mortgage conversation to property management, appraisal, insurance, and development.
When multiple Optimal divisions serve the same transaction, coordination between mortgage, realty, and appraisal reduces the information gaps that cause most closing delays. This integration is one of the structural advantages of working within the Optimal Enterprises family.
The people behind The Optimal Standard
Every client who contacts Optimal Mortgage receives the same standard of care — regardless of which loan officer handles the file.
Licensing information
Optimal Mortgage LLC is licensed as a Mortgage Broker only — not as a Mortgage Lender or Mortgage Correspondent. We arrange loans through approved wholesale lenders and do not make loan commitments or fund loans directly.
| Item | Detail |
|---|---|
| Entity | Optimal Mortgage LLC |
| NMLS ID | #2503896 · nmlsconsumeraccess.org |
| Florida License | MBR6553 — Mortgage Broker |
| License Type | Mortgage Broker only — not a Lender or Correspondent |
| Operating Area | Statewide — all 67 counties |
| Principal | Raul G. Perez — NMLS #1477536 |
| Equal Housing | Equal Housing Opportunity |
One conversation — honest answers, no pressure
Call, email, or start the pre-qualification form. The first step is free, takes one conversation, and gives you a clear picture of where you stand and what the path forward looks like.
Optimal Mortgage LLC is a Licensed Mortgage Broker only, not a Mortgage Lender or Mortgage Correspondent. We arrange loans through a network of wholesale lenders and do not make loan commitments or fund loans directly. Every client receives the same standard of care — honest analysis, their best interest first, regardless of which loan officer handles their file.
Optimal Mortgage LLC · NMLS #2503896 · FL MBR6553 · Licensed Mortgage Broker · Equal Housing Opportunity · (305) 524-4400 · INQ@OptMtg.com