NMLS: 1254113

Hi! I'm Oliver White and I am a Senior Loan Originator in Edina, MN. I'm here to guide you through the home loan process and show you why we're "The People You Call First!"

Oliver White is a seasoned sales and mortgage professional. He graduated from the University of Wisconsin at River Falls with a B.S. in Business Marketing. A collegiate athlete. Oliver was signed to a professional basketball contract to play in Europe. After a successful season abroad, Oliver returned home to the Twin Cities to pursue a career in the financial services industry. With a lineage of mortgage lending in his family, Oliver connected with First Option Mortgage because of their strong marketing history. In his free time Oliver likes to volunteer with the youth in his home town, teaching basketball camps, and spending time with his family. You can contact him directly at: 952-412-5428

About Me


First Option Mortgage provides a wide array of affordable home lending solutions. Whether you are looking to purchase a new home or refinance your existing home, we've got you covered.

The Conventional Loan offers 10, 15, 20, and 30 year terms and no Private Mortgage Insurance once a 20% equity position is reached. Current homeowners are able to refinance up to 95% of their appraised value.

What Types Of Loans Do You Offer?

  • Down Payment as low as 0%
  • Credit Score starting at 580
  • No Maximum Loan Amount

Conventional Loans

The VA loan is exclusively made available to our nation's Veterans. This program allows financing to purchase or refinance up to 100% of the homes appraised value.

FHA Loans

  • Down Payment as low as 3.5%
  • Credit Score starting at 580
  • Maximum Loan Amount of $318,500

VA Loans

  • Down Payment as low as 0%
  • Credit Score starting at 580
  • Maximum Loan Amount Determined by Property Location

USDA-Rural Development Loans

Commonly known as the "First Time Home Buyer" loan, the FHA mortgage features both a low down payment and flexible credit guidelines to qualify. Available in 15 and 30 year terms.

  • Down Payment as low as 3%
  • Credit Score starting at 620
  • Maximum Loan Amount of $417,000

The USDA home loan is designed to promote home ownership in low-to-moderate income rural communities. The subject property must be located in a USDA eligible location.

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3600 Minnesota Drive, Suite 50

Edina, MN 55435

Lets Get Started!

Direct: (952)278-9926

Mobile: (952)412-5428

Fax: (952)278-9901

Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan application for properties located in New York will be accepted through this site. MN-MLO-1235351 | First Option Mortgage, LLC is an Equal Housing Lender. NMLS ID# 123411  ( | 888-644-1999. First Option Mortgage, LLC is licensed by MN # MN-MO-123411. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits. "First Option Mortgage" is a registered trademark of the First Option Mortgage, LLC, a Georgia limited liability company. 400 Interstate North Pkwy SE Atlanta, GA 30339.