Whether you're buying your first home, refinancing, or building the house you've always wanted, you have a lot riding on your loan specialist. I'm Frederick Cole, President & CEO of The Mortgage Option Inc, and I've spent more than two decades in the U.S. mortgage industry helping families turn homeownership goals into keys in hand.

I hold a B.S. in Finance from the University of Maryland and a Master's in Real Estate from Georgetown University, and I put that training to work on every loan: matching you with the right program, explaining your options in plain English, and keeping your closing on track. Mortgage markets and loan programs change constantly; my job is to make sure they work for you, not against you. I'm also a published author on housing finance, so the advice you get here is grounded in deep industry expertise.

Our name is our promise: options you can trust. Browse the loan programs, try the calculators, and when you're ready, apply in minutes with the short application, or reach me directly by phone or email anytime. I look forward to helping you home.