One stop office for your real estate needs.


Elite Home Loans & Optimum Realty is one stop office for your real estate needs.

Elite Home Loans: We originate residential loans, SBA loans, commercial loans and construction loans. We are dealing with a number of wholesale lenders which provide you with a huge range of choices for your mortgage loan. We direct your loan application to the right lender with your situation.

Optimum Realty: An affiliated company of Elite Home Loans. Our goal is to provide one stop service for our clients who also want to purchase or sell their primary homes, investment homes, commercial buildings and businesses.

Loan programs

Our loan programs included:
  • Residential loans
    • Full document loan: Subject to verify income and tax return
    • Stated income loan: No income verification or tax return. Need 12 to 24 months of bank statement
    • FHA loans: Low down-payment (3.5% of purchase price)
    • VA loans: Zero down-payment (for veteran only)
  • Commercial loans
  • SBA loans
  • Construction loans
  • Hard money loans
Charles Vu, President.
BRE #00957332 & NMLS #241630


Elite Home Loans & Optimum Realty
15061 Edwards St, Huntington Beach. CA 92647
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