NMLS# 1606076

Purchase Your Dream Home

Our expert mortgage consultants are committed to find the best loan and home purchase solutions for your financing needs.

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Contact us at [email protected] or give us a call 612-298-8506

Optima Lending is a full-service mortgage company located in Minneapolis providing exceptional mortgage solutions to help you purchase your dream home. Start today with a free consultation with one of our Mortgage Care Professionals.


We are a different company, and we are very proud of that. We are a company with a conscience that places extreme focus on closing loans quickly and accurately. Start today with a free consultation with one of our Mortgage Care Professionals.


First-time home buyers or savvy investors, you have come to the right place. We have some of the best rate options in the region. Our registered estate agent will make sure that everything is order in time for you to buy your house.

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If you need to refinance or consolidate loans we can help you through the process. And as always, you will be offered our best rates. We offer refinancing options with low interest rates and closing costs to help you take control of your mortgage expenses.

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USDA Loans

A USDA Loan is a mortgage loan that is insured by the United States Dept. of Agriculture. This program is available to qualified individuals who are purchasing or refinancing a home loan in an area (an area not considered a major metropolitan area by USDA).

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Conventional Loans

Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. They typically have better rates.

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The MCC program is a tax credit and not a tax deduction. Mortgage lenders will often use the estimated amount of the credit on a monthly basis as additional income to help the potential borrower qualify for the loan.

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Work Hours

9:00am to 5:00pm Monday through Friday.

10:00am to 3:00pm on Saturday.

Sunday: Closed.

Mohamed Jama

Founder & CEO

Mohamed Jama is the Senior Broker for Optima Lending. Mohamed Jama has been in the mortgage lending industry more than a decade. His experience includes working with Wells Fargo's mortgage division, management of Elite Mortgage of Dallas and international project development with Optima Holdings LLC. Mohamed has excelled in the industry. He has a passion for helping others, and has achieved top awards for his work. He has also managed Elite Financial Enterprises Inc. in Dallas, TX. He has worked in Countrywide, Genpact, Wells Fargo, and JP Morgan Chase.

Individual NMLS# 324049

Company NMLS# 1606076



This requires critical documents (bank statement, pay stubs). It’s critical your finances undergo no recent changes.


The value of the prospective home is compared against recently sold homes in your neighborhood.


The Loan Processor reviews all your documentation and then turns it over to our Underwriting Department.

Conditional Approval

Your mortgage loan is reviewed by the Underwriter where you file is evaluated for final approval.

Clear To Close

We double check your documentation to prepare for signing. Your loan officer will schedule a closing date.


You will sign the title documents of your final documentation, and receive the keys to your new home.

What Our Clients Say About Us

Latest Blog Post

How to Prepare for a Home Purchase

  • optimallending
  • January 8, 2018

What can you afford? The first thing to do before buying a home is to make sure it’s the right time to do so. Generally speaking, owning a home pays off financially if you will live in it for at least five years. Otherwise, there’s nothing wrong with renting. Your actual numbers may vary, but […]

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Equal Opportunity – Good For All

  • optimallending
  • February 7, 2018

Two federal laws, the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA), offer protections against discrimination. The ECOA forbids credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive income from a public assistance program. Creditors may ask you for most of this […]

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What is a VHA Loan

  • optimallending
  • February 8, 2018

VA helps Service members, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. VA Home Loans are provided by private lenders, such […]

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