Business Details
24 Years
experience
Your Trusted Mortgage Partner in Southern California
Option Funding has been dedicated to helping customers achieve their dream of homeownership since 2002. Our team of mortgage experts specializes in providing personalized loan solutions tailored to meet the unique needs of each client. With decades of combined experience in mortgage banking and real estate consulting, we pride ourselves on delivering exceptional service and competitive rates. Located in Southern California, we serve clients across the region with a commitment to transparency, integrity, and customer satisfaction. Our streamlined loan application process ensures efficiency, while our extensive knowledge of mortgage programs empowers clients to make informed decisions.We offer a range of services including refinance options, home purchase loans, and reverse mortgages, all designed to support long-term financial goals. Our dedication to accessibility and technological innovation ensures that all clients can navigate our services with ease. By prioritizing client needs and maintaining industry expertise, we strive to be the trusted partner in every home financing journey. Our teams reputation for going the extra mile has earned us the loyalty of countless satisfied customers. As a locally rooted yet broadly capable firm, we combine personalized attention with the resources needed to deliver optimal outcomes for every client.
Services
Mortgage Loans
Refinance Services
Home Purchase Loans
Home Equity Loans
Reverse Mortgages
Loan Programs
Credit Scoring Guidance
Mortgage Calculators
Real Estate Consulting
Pre-Qualification Services
Details
- Year established: 2002
Highlights and features
- We have over two decades of experience in mortgage banking since 2002.
- Our team provides personalized loan solutions tailored to client needs.
- We offer competitive rates and transparent fee structures.
- We specialize in diverse mortgage programs for all borrower profiles.
- Our streamlined application process ensures efficiency and convenience.
Services
Mortgage Loans
Our mortgage loan services provide tailored financing solutions for homebuyers. We offer fixed and adjustable-rate options to suit varying financial situations. Our experts guide clients through the process to secure optimal terms and rates.
Refinance Services
We help homeowners reduce monthly payments or access equity through refinancing. Our competitive rates and low fees ensure cost-effective solutions. The process is streamlined for convenience and rapid approval.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert equity into income. We provide clear guidance on eligibility and terms. Our team ensures compliance and transparency throughout the process.
Loan Programs
We offer diverse loan programs including FHA, VA, and conventional mortgages. Each program is explained in detail to match client qualifications. Our advisors help select the best fit for financial goals.
Pre-Qualification Services
Our pre-qualification process clarifies borrowing capacity before home shopping. It involves assessing income, credit, and debt. This step empowers clients with confidence during property searches.
People
Keith Jacobson
President
Keith Jacobson, President of Option Funding, brings extensive mortgage industry experience and leadership to our team, ensuring clients receive top-tier service and expertise.
Jean-Pierre Radtke
Broker of Record
Jean-Pierre Radtke oversees compliance and operations as Broker of Record, leveraging his deep knowledge of mortgage regulations to maintain the highest standards of service and integrity.
Mark Ketner
VP East Coast Operations
Mark Ketner manages East Coast operations with over 15 years of mortgage lending experience, ensuring efficient processes and client-focused solutions across all stages of the loan lifecycle.
Elaine Albert
Mortgage Loan Officer
Elaine Albert specializes in mortgage loan origination, providing personalized guidance to first-time and experienced homebuyers to navigate financing options with clarity and confidence.
Tony Ko
Chief Business Development Officer
Tony Ko drives strategic growth initiatives as Chief Business Development Officer, fostering partnerships and innovations that expand access to mortgage solutions for diverse client needs.
Questions
What loan programs do you offer?
We offer fixed-rate, adjustable-rate, FHA, VA, conventional, reverse mortgages, and refinance options tailored to meet diverse financial needs and borrower profiles.
How do I start the mortgage application process?
Begin by submitting our secure 12-minute online application or contact us to get pre-qualified, which helps determine your borrowing capacity before home shopping.
Do you serve clients outside Southern California?
While based in Southern California, we provide mortgage services to clients across the U.S. through our digital platforms and nationwide network of partners.
What credit score is required for a mortgage?
Credit score requirements vary by loan type, but we work with clients across all credit tiers to find viable solutions, including options for fair or recovering credit.
Can I refinance my current mortgage?
Yes, we specialize in refinance solutions to lower rates, reduce payments, or access home equity, with competitive fees and a streamlined approval process.
How are mortgage rates determined?
Rates depend on market conditions, loan type, creditworthiness, and down payment. Our team helps you understand factors impacting your rate and locks in favorable terms.
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