1. Who is OPTIMAL FUNDING Inc.?
OFI is a registered mortgage broker with the NYS Banking department and has its corporate
headquarters in Clifton Park, NY (A suburb of Albany, NY). We specialize in low rate
financing with flexible guidelines.
2. Can I call and speak to an OFI representative
after 5:00pm?
Yes, OFI representatives are often available after 5 PM.
3. Can I get a lower rate or a home equity loan
even if I've
had past or
current credit problems?
Maybe, OFI will review your situation and see if we can benefit you.
4. Can I call OFI and have my financial options
explained to me?
Yes, OFI representatives are prepared to answer all of your financial
questions.
5. What about consolidation of credit card and
installment debt?
If you choose to, you can consolidate as much of your debt as possible to save on your
monthly payments.
6. Can I obtain cash out of my home?
Of course, OFI has programs available so you can obtain cash for
almost any purpose.
7. Do I have to pay an application fee?
No, you do not.
8. Are there any closing costs?
Yes, but in most cases the fees can be rolled into your monthly payments.
9. How long will this take from start to finish?
We specialize in "Express Mortgage Service". After submitting the
application, you will normally get a pre-approval within 24-48 hours. If you decide
to proceed, we can wrap up the entire loan usually within 3-4 weeks.
10. Where do I have to go for the loan closing?
OFI has closing agents in almost every county in the United States,
you will close with an agent close to your home.
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