Investors’ Choice in Lending

Lending Built on
Experience.

Tailored mortgage solutions for homeowners, investors, and self-employed borrowers. Fast closings, competitive rates, expert guidance.

Purchase
Refinance
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5.0★Google Rating
10,000+Loans Funded
$6B+Total Funded Volume
#1Alternative Lending Solutions

Loan Programs

Tailored Financing Solutions

From conventional mortgages to specialty programs for investors and self-employed borrowers.

All Programs
Conventional
Jumbo
Investor
Self-Employed
Government
Home Equity
Self-Employed

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

Apply for This Program →
Learn More →
Investor

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

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Learn More →
High Net Worth

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

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Learn More →
Jumbo

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

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Learn More →
Fast Close

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

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Learn More →
Self-Employed

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

Apply for This Program →
Learn More →
Home Equity

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

Apply for This Program →
Learn More →
Home Equity

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

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Learn More →
Multi-Family

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

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Learn More →
Popular

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

Apply for This Program →
Learn More →
Government

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

Apply for This Program →
Learn More →
Government

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

Apply for This Program →
Learn More →

TRACK RECORD

Recently Funded Loans

A snapshot of deals we’ve closed across the country for borrowers just like you.

Brentwood, CA
$1,800,000
Purchase Loan

Houston, TX
$1,120,000
Purchase Loan

Boulder, CO
$1,800,000
Purchase Loan

Kamuela, HI
$809,250
Purchase Loan

Client Stories

What Our Borrowers Say

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Official Rebrand Announcement
Yesterday


Rebranded
Today

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.

Same Ownership

Same Team

Same Values

New Chapter
Welcome to the next chapter.
Welcome to OptionOne Financial.


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(800) 905-7113



[email protected]

OptionOne Financial is a DBA of BluEleven Capital Corporation, NMLS #2461749. Equal Housing Opportunity Lender.

BluEleven Mortgage4.8powered by GoogleDonna K.1 year agoMike performed a miracle, really he came through on a loan for a buyer for my house when others failed. My house was for sale for almost a year with no offers and finally when I received an offer Mike made it happen all within ten days, when the other lender kept delaying it. Selling a home is so stressful, Mike kept me informed every step of the process, he said the loan would go through and it did! I am so grateful to him for making it happen, now I can have my new home and new beginning.
Mahalo Mike and God bless 😇Tammy C.1 year agoI recently obtained a mortgage with BluEleven and I needed a lender that could work with unique situations for the self-employed . Mike and his team completed my mortgage in record time and offered a very competitive product. I highly recommend Mike and his team as not only did they deliver quickly, they were excellent in their communication, knowledge and friendly. 5 star service.Eric M.1 year agoIsahi and the team with BluEleven were excellent to work with. Great rates. Patient and answered all my questions. My real estate agent also praised them. We were able to close on a tight deadline. I would not hesitate to suggest BluEleven to others.Jessica W.1 year agoIsahi and the whole team at BluEleven Mortgage are amazing! We have used them twice now, once for a purchase and again for a refi. I let Isahi know what I would like to do and she quickly lets me know what my best options are. She is knowledgeable, a great communicator and works quickly to get things done (all of my favorite qualities). I will absolutely use them again in the future.Philip J.1 year agoMike & Isahi did a great job getting my loan done very quickly without any issues. Great job with organization and execution! I would recommend them highly!Danielle W.1 year agoMy partner and I just bought a place in LA and had the best experience with BlueEleven. Day or night, Isahi was always available and very attentive during the whole process. Overall had a smooth experience and would highly recommend working with her!Lisa L.2 years agoMahalo Mike & Team, we are all so grateful for your diligence in finalizing the loan.
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 😊. LisaDaisy L.2 years agoMike, Isahi and the whole team were amazing. They supported me and answered all of my questions along the way. They made my whole home purchasing experience a breeze. Highly recommend!

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