Get Started today!

Fill out the questions on this page to start a discussion

about your mortgage needs today!

In which state are you looking to purchase a property?

Are you a first-time home buyer?

Yes

No

What will be the intended use of the property?

Primary Home

Secondary Home

Investment Property

What is your gross annual income?

Below $100,000

$100,000-$250,000

$250,000-$500,000

$500,000+

Do you currently work, or have you ever worked, in any public safety or emergency services role that might qualify you for specialized mortgage programs for first responders?

Yes

No

Please indicate your current or previous role in public safety or emergency services that might qualify you for specialized mortgage programs for first responders.

Are you open to working with a HERO real estate agent partner, which could provide you with a possible cash rebate or closing cost credit?

Yes

No

Are you eligible for VA benefits?

Yes, I am active military

Yes, I am a retired veteran

Yes, I am a surviving spouse

No

First Name *

Last Name *

Email *

Phone *

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Zero Down. 100% Financing. Your Rural Dream Home Awaits.

USDA Purchase Loans make homeownership possible in eligible rural and suburban areas—with no down payment, competitive interest rates, and flexible terms designed for modest-income buyers.

Are You Ready To Buy A Home?

A USDA purchase loan, backed by the United States Department of Agriculture, presents a unique homeownership opportunity, especially for those seeking to live in eligible rural and suburban areas. USDA loans offer remarkable benefits like zero down payment requirements and competitive interest rates, making them an attractive choice for eligible buyers, particularly those with modest income.

While these loans come with specific location and income requirements, the potential to finance up to 100% of the home's value provides a substantial benefit for those who qualify. Explore the benefits of USDA purchase loans today, and let your journey to homeownership blossom in the beauty of rural and suburban America.

Here’s why you need to get pre-approved before starting your home buying journey

Know your budget - Pre-approval gives you an idea of what you can afford, allowing you to make informed decisions when shopping for a home.
Be a competitive buyer - Having a pre-approval letter shows sellers that you're a serious and committed buyer, making you stand out in a crowded market.
Streamline the process - The pre-approval process helps you identify any potential roadblocks early on, allowing you to address them before you find the home of your dreams.
Negotiate with confidence - Knowing that you have financing secured gives you the confidence to negotiate the best terms and price for your new home.

OPTIST Inc supports Equal Housing Lender. NMLS #2123579. OPTIST Inc is licensed in OHIO and Fannie Mae West NMLS# 152768 is licensed in OH & CO visit www.nmlsconsumeraccess.org or call 877-314-1499 for details. Company is headquartered at 7552 Slate Ridge Blvd, Reynoldsburg, Oh 43068. Interest rates and products are subject to change without notice and may or may not be available a the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. Partner with Co/Lab Lending