Welcome to the official site of OPTIOfinancing.

The Latin Definition of “OPTIO” is an adjutant, assistant or helper. (plural optiones; Latin: optio, optiōnēs, from optāre, "to choose") 
To learn more about what it means to our team to be your "OPTIO", click here

OPTIOfinancing is a full-service mortgage company servicing the Western US.  Our offices are based throughout Northern California.  Whether you are buying a home, or refinancing, we are here to unlock your options and help you realize your dream of home ownership, or save you money when getting your new lower monthly payment.

For Purchase Loan programs, we offer the following:
We offer a wide range of purchase options, and our trusted advisors are here to help you throughout the process. 

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, eliminating Mortgage Insurance, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

What makes OPTIOfinancing unique is that we offer the following niche programs as well: nanq, non-qm, non-agency, non agency, non-qualified, nonqualified mortgage, debt consolidation and student loan programs. 

Contact OPTIOfinancing today to discuss your mortgage loan options and find out which loan program will best suit your needs.