Optimal. By Every Measure.
Mortgage Brokerage & Financing — 20 loan programs structured around your timeline, your goals, and your life. Backed by the Optimal Standard.
Optimal Mortgage LLC · NMLS #2503896 · Licensed Mortgage Broker · FL MBR6553 · Equal Housing Opportunity
Daily Rate Survey
Wall Street Journal Prime Rate · 6.75% Effective Dec 11, 2025 · Fed Funds 3.50–3.75% + 3.00%
Mortgage News Daily rate index is not a commitment to lend, nor an advertisement for any loan program. It is a national average index — a piece of economic data — based on a top-tier scenario (75% LTV, 780 FICO, conventional conforming). Rates reflect market conditions and are not a guarantee of the rate you will receive. Rates are subject to change daily without notice. Your actual rate depends on credit profile, loan amount, property type, occupancy, and other factors.
Optimal Mortgage LLC · NMLS #2503896 · Licensed Mortgage Broker · FL MBR6553 · Equal Housing Opportunity · Not a Mortgage Lender or Correspondent Lender · nmlsconsumeraccess.org
Real-time composite score from 14 macroeconomic indicators · Updated hourly
Should I lock now?
Should I lock now?
The Lock/Float indicators displayed above are market intelligence tools only. They are not financial advice, and Optimal Mortgage LLC does not act as a financial advisor in any capacity. The needle positions are derived from a weighted analysis of publicly available market indicators — including Treasury yields, MBS ETF movement, bond market volatility, and Fed policy signals — interpreted through historical market behavior and reasonable assumptions about how these factors have influenced mortgage rate direction over time.
These signals are offered in good faith and with the best intentions, but they reflect a model, not a guarantee. Market conditions can shift rapidly and without warning.
The final decision to lock or float your mortgage rate rests solely with you, the borrower. Always consult your loan officer before making any lock decision.
Data sourced from Federal Reserve Economic Data (FRED) · Updated hourly
Optimal Mortgage LLC · NMLS #2503896 · Licensed Mortgage Broker · FL MBR6553 · Equal Housing Opportunity · Not a Mortgage Lender or Correspondent Lender · nmlsconsumeraccess.org
Loan Programs
From first-time buyers to seasoned investors — we offer 20 loan programs to match every financial profile and property type.
Conventional
Traditional financing backed by Fannie Mae & Freddie Mac.
→ Purchase · RefinanceFHA
Government-backed loans with flexible credit and down payment requirements.
→ Purchase · RefinanceVA
Exclusive benefits for veterans, active duty, and surviving spouses.
→ Purchase · RefinanceUSDA
Zero down payment financing for eligible rural and suburban areas.
→ Purchase · RefinanceJumbo
Financing above conforming loan limits for high-value properties.
→ Purchase · RefinanceAsset Qualification
Asset-based lending with no income verification required.
→ Purchase · RefinanceBank Statement
12–24 months of bank statements in lieu of tax returns.
→ Purchase · RefinanceDSCR
Qualify based on property cash flow — no personal income required.
→ Purchase · Refinance1YR | 2YR P&L
Self-employed borrowers qualify using profit & loss statements.
→ Purchase · Refinance1099
Ideal for independent contractors and gig economy workers.
→ Purchase · RefinanceWVOE
Written Verification of Employment — qualify using employer-verified income.
→ Purchase · RefinanceNo Income
Asset-based lending with no income verification required.
→ Purchase · RefinanceDoctor / Professional
Tailored programs for medical professionals and high earners.
→ Purchase · RefinanceForeign National
Financing solutions for non-US citizens purchasing in America.
→ Purchase · RefinanceITIN
Financing for borrowers without a Social Security Number.
→ Purchase · RefinanceReverse Mortgage
Convert home equity into tax-free income for homeowners 62+.
→ Purchase · RefinanceHELOC | HEM
Tap into your home equity with a line of credit or second lien.
→ Purchase · RefinanceNew Construction | Renovation
Finance the build or renovation of your dream home.
→ PurchaseFix and Flip
Short-term financing for investors renovating to resell.
→ PurchaseBridge
Short-term financing to bridge the gap between purchase and sale.
→2026 LOAN LIMITS · FLORIDA STATEWIDE
Loan limits vary by county and program. Florida has multiple tiers based on local home values. Limits shown are effective January 1, 2026. Optimal Mortgage is licensed statewide across all 67 Florida counties.
Standard — Most FL counties · High-Cost — Miami-Dade, Broward, Palm Beach, Collier (FHA) · Maximum — Monroe County / Florida Keys
| Program / Tier | 1-Unit | 2-Unit | 3-Unit | 4-Unit |
|---|---|---|---|---|
| CONVENTIONAL — Fannie Mae / Freddie Mac | ||||
| StandardMost Florida Counties | $832,750 | $1,066,650 | $1,289,300 | $1,601,750 |
| High-CostMonroe County / Florida Keys | $990,150 | $1,267,750 | $1,532,950 | $1,904,750 |
| FHA — Federal Housing Administration | ||||
| Standard FloorMost Florida Counties | $541,287 | $693,000 | $837,750 | $1,040,850 |
| High-CostMiami-Dade · Broward · Palm Beach · Collier | $667,000 | $854,050 | $1,032,450 | $1,283,350 |
| Maximum CeilingMonroe County / Florida Keys | $990,150 | $1,267,750 | $1,532,950 | $1,904,750 |
| VA — Department of Veterans Affairs | ||||
| Full EntitlementAll 67 Florida Counties | No Maximum Loan Limit VA does not set a loan limit for eligible veterans with full entitlement. Partial entitlement uses conventional county limits. 1–4 unit properties eligible — borrower must owner-occupy one unit. | |||
| USDA — Rural Development | ||||
| Income-BasedEligible Rural Areas · Single Family Only | No Set Loan Limit USDA does not publish a maximum loan amount. Borrowing capacity is determined by qualifying income and DTI ratios. Property must be in a USDA-eligible area. Household income limits apply. Single-family homes only. | |||
Limits effective January 1, 2026 per FHFA and HUD guidelines. County tier determines the applicable limit — verify your specific county at FHFA.gov or contact us directly. VA limit applies to full entitlement borrowers. Partial entitlement uses conventional county limits. USDA available in eligible areas only. Loans above the conventional county limit require Jumbo financing. Not all borrowers will qualify for the maximum loan amount. Optimal Mortgage LLC is licensed to conduct business across all 67 Florida counties · NMLS #2503896 · FL MBR6553.
Why Optimal Mortgage
We don't just find you a rate. We engineer a financing strategy built around your goals — with the expertise, access, and integrity you deserve.
20 Loan Programs
Access to conventional, government, and specialty non-QM products under one roof — matched to your unique profile.
Fast, Transparent Process
From application to closing — no surprises, no hidden fees, no runaround. Clear timelines and constant communication.
Expert Mortgage Consultants
Our licensed team brings deep product knowledge and a personal commitment to finding the best solution for you.
Licensed & Compliant
FL MBR6553 · NMLS #2503896 — fully licensed, regulated, and committed to ethical lending practices.
Competitive Rates
As a broker, we shop multiple lenders to find you the most competitive rate and terms — not just what one bank offers.
Community Focused
Rooted in Miami, serving Florida and beyond — we understand the local market and the communities we serve.
Every client receives the same standard of care — honest analysis, your best interest first, regardless of which loan officer handles your file.
Ready to Begin
Take the first step toward your new home or your next investment. Our team is ready to build a loan strategy around you.
