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More about Mortgage

We have an extensive array of mortgage solutions to meet a variety of unique situations.

Finding a Loan Program That Fits You

At Opes Advisors, we have the traditional products that other banks and lenders have. We also have a variety of niche products that others don’t. Our Loan Advisors connect you with the right financing for your life.

Refinancing Loans

If you want to refinance an existing loan to lower your payments, get cash out of your equity or consolidate debt, we’ve got you covered. Before you choose to refinance your loan, there are many factors to consider, and each situation is unique. Your Opes Loan Advisor will listen carefully to your goals, educate you about your refinancing options, then answer your questions so you can make an informed and confident decision.

Jumbo Loans

Jumbo loans are non-conforming loans and are often insured by private groups outside of Fannie Mae or Freddie Mac. This means the risk is higher, and consequentially, Jumbo loans often have higher interest rates and require a larger down payment.

Opes Advisors is uniquely qualified to provide Jumbo loans to individuals, families and investors.  Our Loan Advisors have the experience and resources to customize a Jumbo that meets your lifestyle and long-term lending goals.

  • Minimal down payment.
  • Direct access to over 130 Jumbo loan options.
  • Local decision-making power means quicker responses to your questions and a faster close.


FHA Loans

Federal Housing Administration (FHA) offer less stringent qualification criteria than conventional loans, thereby helping more people purchase homes. FHA loans typically require a low down payment, making them ideal for first-time home buyers or those with minimal funds. Some FHA loans even offer 100% financing through options that let you secure a down payment in the form of a community second mortgage. Our Loan Advisors are well versed in the credit, employment and other requirements of these government-insured loans, and can help you discover if you qualify.

VA Loans

We’re proud to honor our active military service members, veterans and their eligible spouses by offering loans guaranteed by the US Department of Veterans Affairs. VA loans were established by the US Congress in 1944. In 1992, the Veterans Home Loan Program Amendments expanded to include Reservists and National Guard personnel who served honorably for at least 6 years.

As a VA Mortgage Lender, Opes Advisors underwrites the loan. If the file meets all VA Guidelines and the appraisal determines acceptable risk, the Veterans Administration guarantees the loan, insuring the lender against loss in the case of default. If you qualify, a VA loan may allow you buy a home with little or no down payment. VA loan requirements vary by county, so be sure to check with your Opes Loan Advisor to learn if you qualify.

Bridge Loans

Sometimes, buyers are faced with a gap between the purchase of a new home and the sale of their current home. Opes Advisors offers a bridge loan that can help you make a smooth transition between homes.

  • Access up to 80% of your home's equity for up to 6 months.
  • Make interest-only payments on the bridge loan until closing.
  • Make a purchase offer that's not contingent on the sale of your current home.
Since each situation is unique, confer with your Loan Advisor to discover if a bridge loan may be a solution for you.

Reverse Mortgages

Retirement should provide you with peace of mind and financial freedom. Unfortunately, retirees often find themselves struggling to pay their credit card bills or meet medical expenses.

A reverse mortgage is a home equity loan that allows homeowners over the age of 62 to access a portion of their home equity and convert it into tax-free retirement loan proceeds. Designed to help retirees improve their quality of life, this type of loan isn’t for everyone, and the property must meet certain minimum qualifications defined by the FHA. Our Loan Advisors have the knowledge and experience to help you determine if a reverse mortgage may meet your lending needs.