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Optimal Mortgage · Get Pre-Qualified

Start your
pre-qualification.

Two ways to begin. Start the secure online application now — or talk to a member of our team first if you want to understand your options before submitting anything. Either way, no credit pull happens until you authorize it.

Fastest path
Start the
application online

Secure 1003 application. Takes 10-15 minutes. No credit pull until you authorize it at the end. Our team reviews your file and contacts you within 2 business hours.

Start Application →

Secure · Encrypted · No credit pull to start

Not sure where to start?
Talk to a loan
officer first

15 minutes on the phone tells you which programs apply to your situation, what your real number looks like, and whether you are ready to apply now or need to prepare first.

(305) 524-4400 INQ@OptMtg.com · legal@optmtg.com
What happens after you apply

What to expect

Within 2 hours
We review your file
A loan officer reviews your application, identifies which programs apply, and contacts you to discuss your options. We call — we don't just email a rate sheet.
Same day
Program comparison
We model your file across the programs you qualify for — conventional, FHA, VA, USDA, or non-QM — and show you the comparison on your actual numbers before you commit to anything.
When you're ready
Credit authorization
No credit pull happens until you authorize it. We tell you exactly what score range we expect to see and what it means for your pricing before we run it.

Submitting an application does not constitute a commitment to lend. All loans subject to credit approval, underwriting, and program eligibility. Rates and programs subject to change.

Before you start

What to have ready

You do not need everything gathered before starting the application. But having these on hand makes the process faster:

For the online application
  • Your Social Security number
  • Current employer name and address
  • Approximate gross monthly income
  • Estimated property value or purchase price
  • Approximate loan amount you are seeking
For the full pre-approval (after)
  • W-2 forms — past 2 years
  • Pay stubs — last 15 days
  • Bank statements — 2 months, all pages
  • Federal tax returns (if self-employed or required by AUS)
  • Government-issued photo ID

For the complete documents checklist by loan type, see our Documents Needed guide.

Quick answers

Pre-qualification questions

Does this hurt my credit?
No. The initial pre-qualification does not pull your credit. A hard pull only happens when you explicitly authorize it — after we have discussed your file and you are ready to proceed.
How fast will I hear back?
Within 2 business hours during business hours (Mon–Fri 9AM–6PM, Sat 10AM–4PM). Applications submitted outside business hours are reviewed first thing the next business morning.
Is this a commitment to lend?
No. Pre-qualification is the first step in evaluating your file. A formal commitment requires a complete application, credit pull, income verification, and property appraisal.
What if I'm not ready yet?
Tell us that. One of the most valuable things our team does is tell you specifically what to work on and when to come back. A "not yet" conversation is free and saves you from applying before your file is optimized.
Self-employed or non-W2?
Start the conversation by phone or email rather than the online form. Self-employed, 1099, bank statement, DSCR, and non-QM files have different documentation paths — a 10-minute call routes you to the right one faster.
Can I pre-qualify for investment property?
Yes. Investment property, DSCR, and multi-unit files are handled through the same process. Mention your intended use in the application or in your first call so we route your file correctly.
Ready when you are

Start online or call — both work

No pressure, no commitment. The first step is a conversation or a 15-minute form. Either one tells you where you stand.

Start Application Online (305) 524-4400 What to Expect Documents Checklist

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. Submitting this form does not constitute an application for credit and does not trigger any TRID disclosure obligations. A formal application begins when all six elements under 12 CFR 1026.2(a)(3)(ii) are collected.

Optimal Mortgage LLC · NMLS #2503896 · FL MBR6553 · Licensed Mortgage Broker · Equal Housing Opportunity · (305) 524-4400 · INQ@OptMtg.com