A client sharing their Optima Bank & Trust experience:


"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

Home Lending Programs

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.


Jumbo Programs

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.


Portfolio/Non-Conforming Loans

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.

Apply Now and feel at ease with your financing.