Hi. I’m Bruce Haynes with Optimum Mortgage.  I have designed this website to provide you with information you need so you can get the home loan that is best for you! You will find valuable information on different Mortgage Programs that are available, such as fixed rate mortgages, adjustable rate mortgages (ARMs) balloon mortgages, FHA loans, VA loans, No Income Verification loans (NIV), construction loans and home equity loans with explanations about which loan is best for people with various needs. I provide loans for people in Utah, Oregon, Idaho, Colorado, Wyoming, and New Mexico.

I strive to work for you in such a way that you will know that you received the best service and the best loan with the lowest fees possible. I hope you will feel comfortable recommending me to your family, friends, neighbors and associates to provide them with comfortable home loans also.

If you are considering building a new home, purchasing an existing home, financing a large home improvement project, or refinancing your present home I can help you get the best loan available. I deal with hundreds of lending sources to be able to get the very best loan for you.