"After our kids were grown and gone we envisioned downsizing and building the home of our dreams. Our challenge was not in the dream or design, but in finding a home lender that would finance this unique endeavor. The loan and home are now completed and our neighbors call it one-of-a-kind which is exactly how we describe working with Optima Bank & Trust"
Robin and Norbert
Fixed Rate Programs
Predictability makes budgeting easy - protect yourself from rising interest rates.
Variable Rate Programs
Leverage your buying power with low initial rates and fixed rate periods up to 10-years.
First Time Homebuyer Programs
Our Home Lenders are partners you can trust to find the right program for you and help you every step of the way to home ownership.
Construction and Major Renovation Programs
Enjoy the savings of time and money with our one-time close feature for your construction and permanent financing.
One loan and one payment for times when your dreams are too big for conventional financing.
Investment Property Programs
Let us be your guide when you purchase or refinaince your 1-4 family residential investment properties.
Bridge Loan Programs
If you are purchasing or building a property and need to use the equity in your current home, we have you covered.
Because your financial situation and/or the property is complex you need a lender that has the expertise to learn about you and/or your property and also understands the communities it serves.