Had a great experience working with Optimal loans team - Karan and Vivilya. Their knowledge on loan process and focus toward customer service is unparalleled. They have very competitive rates - and shop around to get the best rates for customers.

Karan and Vivilya provided great service for my refinancing. It was fast and easy and I also got a good rate. They were very friendly and courteous. I definitely will use them again in the future and would recommend them to others.

Karan at Optimal Loans was great through the whole process! He was able to navigate the crazy bay area market and ended up with a great house with all my requirements!

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I Highly Recommend Ravi!! Because of the Housing Market crash years ago the rules have become very strict for getting approved for and purchasing a home even when you have good credit and a decent down payment. Also, because of lack of inventory the advantage was in the hands of the Sellers. When you have the odds against you, a person like Ravi is who you need to have the best chances of finding the right place that suits the needs of you and your family. He used his experience, determination and commitment to excellence to help us get approved and purchase the home we were looking for. The methods and tools he shared with us allowed for a very comprehensive view of our loan options and how they would affect us in the short and long term. I'm not sure that we'd be in a house right now if it weren't for Ravi. Ravi, thanks again so much for being a huge part of this pivotal life event. Akeem and Teela Daly

Ravi and team did an awesome job! My wife and I got an amazing financing deal as a first-time home buying couple. Other banks even said "Wow, we can't match that." On top of that, Ravi and team also had great customer service. They were very responsive to email and Ravi personally got on several late night calls with me to help explain things I didn't understand. Working with Ravi seemed very natural, and I felt like a valued customer and client during the whole experience even though it was just our first time working together. I would recommend Ravi wholeheartedly for anyone interested in getting top-notch service from a very knowledgeable mortgage specialist.

Thank you so very much Ravi for all of your help in securing loan for the investment property we recently purchased You were very organized, thorough & professional, kind and very honest which made all of the difference in our interactions with you. Your honesty, answer to details and advising on valuable feedbacks on property purchase and customer care touched us during the entire process. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us rather than just home loan customers. You stand above the rest, Ravi Selvaraj ! Our hats off to you!!"

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We've recently purchased our first home in December and coming into this process we did not know anything... Joanna took her time and guide us through every single step we needed to take. At times we got impatient and almost went over our budget, Joanna helped calm us down so we wouldn't make that big mistake. She wasn't pushy and made sure we bought a home that's right for us. Joanna helped made our first time home buying experience a wonderful one, and we are very lucky to have her as our agent. Thank you, Joanna, for all your time and patience!!

Joanna was my first agent assisting me to purchase my first home. She helped me through the headaches of bidding for a house. When I move on from my first home. I will be contacting Joanna.

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