Available Mortgage Programs

At Optzions Mortgage, we offer a variety of Residential Real Estate financing options to our clients in Florida and Commercial financing options in Florida and 41 other states.

Here is a quick overview, for more information complete our form or contact us directly.

Jumbo Loans

• For larger or pricier properties with a value above the conventional loan limits
• Full Doc, Lite Doc and Stated options available 

Conventional Loans

• As per Fannie Mae or Freddy Mac guidelines
• Full Doc and Lite Doc options available

FHA, USDA and VA Loans

• Government Sponsored loans
• Full Doc only

Reverse Mortgage

• For people nearly retiring age
• FHA - Insured Loans
• Lite Doc and No Doc available

Non-Conforming Loans

• Any loans that do not meet the conventional guidelines
• Full Doc, Lite Doc and No Doc available

Stated Assets Loans

• Loans that do not require Tax Returns
• Lite Doc and No Doc available

Commercial Financing

• For properties that are not residential
• Full Doc, Lite Doc and No Doc available

Investor Loans

• Exclusive for Real Estate investors growing their real estate portfolio
• Full Doc, Lite Doc and No Doc available

AirBNB & VRBO Loans

• Available to investors who purchase / refinance temporary rental properties
• Full Doc, Lite Doc and No Doc Avialble

ITIN Only Loans

• For borrowers who have no Social Security Number
• Full Doc, Lite Doc and No Doc Available

DACA / TPS / Asylum Loans

• For borrowers with a temporary social security
• Full Doc only available

Foreign National Financing

• Tourists with an active visa
• Full Doc, Lite Doc and No Doc available

If you don't see a loan that fits your needs, we have it but it has not been listed. Please contact us (239) 333-9729