🏆 TOP 5-STAR ZILLOW AGENT · NMLS# 335813 · CA DRE# 01192601 · 12 States Licensed · Closes in 21 Days or Less · 📞 (714) 470-6091 🏆 5-Star Zillow Agent  ·  📞 (714) 470-6091
🏆 Top 5-Star Zillow Agent · NMLS# 335813 · CA DRE# 01192601

Get the Best Mortgage
For Your Dream Home

Work directly with Alex Sarkeshik — a trusted mortgage & real estate expert with 28+ years of experience, 5-star Zillow reviews, and an exclusive Lifetime Rate Protection Guarantee that no big bank can offer.

28+
Years Experience
12
States Licensed
5★
Top Zillow Agent
$0
Cost Program Available
✅ No credit impact to check rates ✅ Same-day response ✅ Free consultation
🏠 Buy a Home
💰 Refinance
What are you looking for?
Select your home purchase type
🏡Primary Home
🏖️Vacation Home
📈Investment
🏗️New Build

🔒 Secure · No credit impact · Free consultation

🏛️
NMLS# 335813
Alex · Federally Licensed
Same-Day Pre-Approval
Fast & Easy Process
🏆
Closes in 21 Days or Less
Fast, Reliable Closings
5-Star Rated
Zillow · Bankrate · Trulia
🛡️
Lifetime Rate Protection
🔥 Exclusive — Nobody Else Offers This
Happy family in their beautiful new home

Every Family Deserves a Place to Call Home

We have helped hundreds of families close on their dream home — in 21 days or less.

28+
Years Experience
12
States Licensed
5★
Top Zillow Agent
$0
Cost Program Available

Trusted by Hundreds of Homeowners

See All Reviews on Zillow →
5.0
★★★★★
5-Star Average Across All Platforms
⭐ Zillow ⭐ Bankrate ⭐ Trulia ⭐ Google
★★★★★

"Alex is simply THE BEST loan officer I have ever worked with. I've completed over 7 home loans and refinances with him. He is honest, trustworthy, and incredibly knowledgeable. We've saved hundreds of dollars a month because of his guidance. I will never use anyone else — ever."

M
Michael T.
Repeat Client · Zillow
✓ Verified Review
★★★★★

"As an attorney with a background in real estate, I'm difficult to impress. Alex genuinely impressed me. His knowledge of mortgage products, patience with my questions, and sharp judgment throughout the entire process were exceptional. I recommend him without hesitation."

S
Sarah K., Esq.
Attorney · Zillow
✓ Verified Review
★★★★★

"From our first call to closing day, Alex was professional, proactive, and always available. He anticipated problems before they happened and made the entire home-buying experience completely stress-free. Could not recommend him more highly."

R
Robert & Lisa M.
First-Time Buyers · Bankrate
✓ Verified Review

Licensed in 12 States — and Growing 🗺️

From California to Florida, Alex is licensed and ready to help you wherever you call home.

🌴 California
⭐ Texas
🌿 Virginia
🌊 South Carolina
🏔️ Idaho
☀️ Arizona
🔔 Pennsylvania
🌲 Washington
🌹 Oregon
🌾 Oklahoma
🎸 Tennessee
🌞 Florida

The Lifetime Rate Protection Guarantee

This is something no big bank or online lender offers. After you close your loan with Alex, if mortgage rates drop in the future, you qualify to refinance at significantly reduced costs — for the entire life of your loan. Lock in peace of mind today.

  • No need to worry about timing the market
  • If rates drop, you benefit automatically
  • Reduced refinancing costs — not full costs
  • Available for the entire life of your loan
  • Exclusive to Alex Sarkeshik at Optimum First Mortgage
🛡️ Claim This Guarantee →
🛡️
Lifetime
Rate
Protection
Guarantee

Get Your Mortgage in 4 Easy Steps

Alex makes the process simple, transparent, and stress-free — from first call to closing day.

1

Free Consultation

Talk to Alex about your goals, timeline, and budget. Get expert advice with zero pressure and zero cost.

⏱ 15 minutes
2

Get Pre-Approved

Submit your application online. Alex reviews your financials and issues a pre-approval letter the same day.

⏱ Same day
3

Lock Your Rate

Alex finds you the best rate and locks it in. With Lifetime Rate Protection, you're covered if rates drop later.

⏱ 24–48 hours
4

Close & Celebrate

Alex guides you through closing, answers every question, and makes sure your loan closes on time — in 21 days or less.

⏱ 21 Days or Less

How Much Home Can You Afford?

Use our calculator to estimate your monthly payment — then let Alex find you an even better real rate.

Estimated Monthly Payment
$2,844/mo
Loan Amount$480,000
Est. Rate~6.75%
Down Payment20%

💡 Alex's clients regularly beat this estimate — get your personalized quote.

Get Alex's Real Rate →

📊 Mortgage Calculator

$0
Cost Program Available
$0
Cost Program Available
🎉 Ask Alex If You Qualify for $0 Cost →

Mortgage & Real Estate Solutions

Whether you're buying your first home or your fifth investment property, Alex has the expertise to get you the best deal.

🏠

Home Purchase Loans

Conventional, FHA, VA, Jumbo, and USDA loans. Alex finds the right program for your situation and guides you from application to keys in hand.

Start my application →
💰

Refinancing

Lower your rate, reduce your monthly payment, shorten your term, or pull out cash equity. Alex analyzes your current loan and finds the best path forward.

See my savings →
🎖️

VA Loans

$0 down payment, no PMI, and competitive rates for veterans and active-duty service members. Alex is an experienced VA loan specialist who honors your service.

Check my eligibility →
📈

Investment Properties

Build your real estate portfolio with smart financing. Single-family rentals, multi-unit, DSCR loans, and fix-and-flip — Alex has done it all.

Explore options →
🛡️

Lifetime Rate Protection

Alex's exclusive guarantee: if rates drop after you close, you refinance at reduced costs — for life. No other lender offers this level of client protection.

Learn more →
🤝

Real Estate Agent

Alex is also a licensed real estate agent. He can handle both the buying/selling AND the financing in one seamless, coordinated transaction.

Work with Alex →

Common Questions

Everything you need to know about working with Alex.

How quickly can I get pre-approved?+
Alex offers same-day pre-approval in most cases. Once you submit your application and documents (income, assets, ID), Alex reviews everything and issues your pre-approval letter — often within hours.
Will checking my rate hurt my credit score?+
No. An initial rate consultation with Alex does not require a hard credit pull. A hard inquiry only happens when you formally submit a loan application, and even then, multiple mortgage inquiries within a 30-day window count as just one inquiry on your credit report.
What is the Lifetime Rate Protection Guarantee?+
It's Alex's exclusive offer: after you close your loan, if mortgage rates drop in the future, you qualify to refinance at significantly reduced costs — not just once, but for the life of your loan. No other lender or bank offers this guarantee. It means you never have to worry about locking in at the "wrong" time.
What documents do I need to apply?+
Typically: last 2 years of W-2s or tax returns, last 2 months of pay stubs, last 2-3 months of bank statements, a valid photo ID, and information about the property (if you've found one). Alex walks you through exactly what's needed for your specific situation on your first call.
Can I get a mortgage if I'm self-employed?+
Absolutely. Alex works with many self-employed clients and business owners. There are several loan programs designed for self-employed borrowers, including bank statement loans and DSCR loans for investors. Alex will find the best fit for your income structure.
What states is Alex licensed in?+
Alex is licensed as a mortgage loan officer in California, Texas, Virginia, South Carolina, Idaho, Arizona, Pennsylvania, Washington, Oregon, and Oklahoma. He is also a licensed Real Estate Agent in California (DRE# 01192601). If you're in one of these states, Alex can help you.
Why choose Alex over a big bank or online lender?+
With a big bank, you're a number. With Alex, you have a dedicated expert who answers your calls, knows your name, and fights for your best rate. As a direct lender, Alex offers competitive rates without the overhead of a bank. And no online lender offers the Lifetime Rate Protection Guarantee — only Alex does.

Let's Find Your Perfect Mortgage

Free consultation, no obligation, same-day response. Alex personally reviews every inquiry and gets back to you the same day.

📞
Call or Text(714) 470-6091
✉️
📍
Office7755 Center Ave, 9th Floor
Huntington Beach, CA 92647
🕐
HoursMon–Fri: 9:00am–7:00pm PT
Sat & Sun: 10:00am–6:00pm PT

Send Alex a Message

Typically responds within 1 hour during business hours

🔒 Your information is 100% secure and private

Ready to get started?

Free consultation · Same-day response
📞 Call Get Pre-Approved