At Optimum Refinance Rates, we are built on a foundation of trust, guided by purpose, and committed to putting you at the center of everything we do. We recognize that securing a mortgage is one of the most significant financial decisions you’ll make, and our mission is to provide you with guidance, confidence, and clarity throughout the entire process.
Buying a home is a major life decision. At Createyourrate, we make the process simple and stress-free.
Our calculators help you make smart financial decisions. Easily estimate mortgages, payments, and affordability.
A Home Equity Line of Credit (HELOC) lets you borrow against your home’s equity with flexible terms.
Refinancing lets you replace your current mortgage with a new one, often to secure a lower interest rate, reduce monthly.
At Optimum Refinance Rates, we prioritize your goals and provide expert guidance to make home financing simple, transparent, and stress-free.
Expert advice at every step of your home buying journey.
Mortgage options tailored to your unique needs.
No hidden fees, no surprises—just clarity and confidence.
Soft Inquiry Only: Lenders perform a soft credit pull to evaluate your creditworthiness
Discover your loan options and true buying power with our NoTouch Credit System . We get you pre-approved without a single credit hit.
With our Free NoTouch Credit service, you can instantly see where your credit stands—without triggering a hard inquiry or lowering your score. Traditional credit checks often leave a mark that lenders can see, but our process uses a soft pull—completely safe, private, and impact-free.
Find out how to get prequalified for a mortgage without affecting your credit score, and what benefits it offers.
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