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    Brighter Lending

    4.6 (11 reviews)
    Open 8:00 am - 7:30 pm
    Updated 2 weeks ago

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    Services - Brighter Lending

    Mortgage services

    Mortgage refinancing

    Home purchase

    2 More Services

    Buyer's agent

    Listing agent

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    Recommended Reviews - Brighter Lending

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    2 months ago

    Amazing! Got me a lower rate than I was expecting and it was so easy and fast. Austin is very professional and fast.

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    Austin D.

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    5 months ago

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    Austin D.

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    9 months ago

    This business is a fraud if you borrow $750 you need to pay $4000...insane please be aware

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    Austin D.

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    2 years ago

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    Austin D.

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    2 years ago

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    4 years ago

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    Ask the Community - Brighter Lending

    Review Highlights - Brighter Lending

    In the process of getting your home loan you need someone of Austin's caliber to be able to rely on.

    Mentioned in 9 reviews

    Read more highlights

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    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (715 reviews)

    Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

    ​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.

    Brighter Lending - mortgagebrokers - Updated May 2026

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