Lending Built on
Experience.
Tailored mortgage solutions for homeowners, investors, and self-employed borrowers. Fast closings, competitive rates, expert guidance.
Tailored Financing Solutions
From conventional mortgages to specialty programs for investors and self-employed borrowers.
Bank Statement Loan
Use 12-24 months of personal or business bank statements instead of tax returns.
- Credit scores from 620
- LTV up to 90%, up to $3.5M
- No W-2s or tax returns needed
- Interest-only options available
DSCR Program
Qualify based on property cash flow. No personal income or employment verification required.
- Credit scores from 660
- Up to $2.5M, 1-4 units
- Vest in LLC or corporation
- AirBnB / short-term rental OK
Asset Utilization
Qualify using liquid assets divided by 60 months. Ideal for retirees and high-net-worth individuals.
- Credit scores from 660
- LTV up to 80%, up to $3.5M
- No DTI qualification option
- Retired borrowers welcome
Jumbo Loan
Financing for luxury homes and high-value properties beyond conforming limits.
- Loan amounts up to $3M
- Competitive rates for well-qualified borrowers
- Primary residences & second homes
- No PMI with 20% down
Bridge Financing
Short-term loans that close in 3-7 days for time-sensitive transactions and quick liquidity.
- Close in as little as 3 days
- Short-term second mortgages
- Buy before you sell
- Flexible qualification
P&L Only Loan
No bank statements needed. Qualify using a CPA-prepared profit and loss statement.
- PTIN allowed
- P&L reviewed — not filed
- 12 months self-employment
- Great for freelancers & gig workers
HELOC
Home Equity Line of Credit — flexible access to funds when you need them.
- HELOC up to $3.5M
- Draw funds as needed, pay interest only on what you use
- CLTV up to 90%
- Flexible revolving credit line
Second Mortgage
Fixed-rate lump sum loan using your home's equity — keep your low first mortgage rate.
- Second lien up to $1M
- Fixed monthly payments
- CLTV up to 85% (primary)
- Investment properties eligible
DSCR 5-9 Unit
Multi-family property loans for business-purpose borrowers with flexible terms.
- Credit scores from 680
- Up to $2M, LTV up to 75%
- Vest in LLC or corporation
- Interest-only options
Conventional Loan
Fixed-rate mortgages for primary residences, second homes, and investment properties.
- Credit scores from 620-660
- Down payment as low as 3%
- Primary, second home & investment
- PMI cancellable at 20% equity
FHA Loan
Government-backed mortgage with lower down payments and flexible credit requirements.
- Down payment as low as 3.5%
- Credit scores from 580 with 3.5% down
- First-time homebuyer friendly
- 203(k) renovation loans available
VA Loan
Zero-down mortgage for Veterans, service members, and eligible surviving spouses.
- $0 down payment
- No Private Mortgage Insurance (PMI)
- Competitive interest rates
- VA IRRRL streamline refinance available
Recently Funded Loans
A snapshot of deals we've closed across the country for borrowers just like you.
Welcome. We're Excited
to Share Some Great News.
After years of proudly serving our clients as BluEleven, we've officially rebranded and are now OptionOne Financial.
While our name has changed, our ownership, team, values, and commitment to exceptional service remain exactly the same. This new brand better reflects the expanded lending solutions and personalized service we provide to homeowners, real estate professionals, attorneys, investors, and business owners across the country.
Thank you for your continued trust and support. We look forward to helping you achieve your financial goals under our new name.
Mahalo Mike and God bless 😇
There were some big hoops to jump through and you did it!
The clients are so happy to finally be in their new home here on Kauai; Congrats to you & your team 😊. Lisa
