Mortgages aren't a commodity — they're a complex financial decision. Opes treats them that way.

Buying your house is more than just a lifestyle decision – it’s an indisputably important financial decision as well. Because of the lasting implications, Opes Advisors developed a new approach to mortgages. We consider your entire financial life, so that you will see your mortgage in a whole new light – how it will affect you financially now and in the future.

Lenders offer mortgages based on their guidelines and ratios, which determine the size and rate of the loan you’ll get. But these guidelines and ratios, which are important, don’t take into consideration aspects of your financial life that you care about. Opes Advisors takes everything you care about into consideration.

Once you go through our mortgage origination process, you will feel grounded and ready to take appropriate action.

More Than Just a “Great Rate”

The mortgage decision has become trivialized and commoditized, with people encouraged to think that it’s simply about getting the best rate on the highest amount they can qualify for. We take another route, urging you to think about your entire financial picture when you get your mortgage. Your mortgage is of vital importance to the rest of your financial life, including your retirement. We get that. And we want you to get it as well.

Getting the Most From A Mortgage Bank

A home buyer can obtain a mortgage through one of three sources: a mortgage bank, a traditional bank or a mortgage broker.

A mortgage bank, like Opes Advisors, offers the best of what a traditional bank and mortgage broker have to  offer. A mortgage bank is similar to a traditional bank in that it processes, underwrites, draws docs and funds loans, thereby maintaining control of the entire loan process. A mortgage bank  also has the flexibility of brokering loans when this option is the best choice for the customer.

Opes Advisors maintains the two most important aspects of the transaction: we fund the loan with our own money and we are not beholden to any single investor’s loan program or rate.