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 ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices.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.

Mai Thank you so very much for all your help always!…read moreI am recommending her to everyone she is always helpful,nice, on time and very friendly and professional!

I had the best experience going through the process of buying my first home. 10/10 recommend Mai Tairead more

I can't say enough great things about working with Amanda and Kylie! This is my second time working…read morewith Amanda, and once again she exceeded every expectation. She is incredibly easy to work with, always responsive, and communicates clearly every step of the way. The entire HELOC process felt smooth and stress-free, which is something I didn't think was possible! Uploading documents was simple and straightforward, and both Amanda and Kylie made sure everything stayed on track without any confusion or delays. Their professionalism really stands out--they are knowledgeable, organized, and genuinely care about getting the best outcome for their clients. What impressed me most is that even after we had already started the process, they were able to secure us a lower rate. That level of dedication and follow-through is rare and truly appreciated. If you're looking for a team that makes the process easy, keeps you informed, and goes the extra mile, Amanda and Kylie are the ones you want to work with. Highly recommend!

They are spamming my phone, I got called 7 times in 8 hours with different phone numbers. This is…read moreridiculous, i'm going to file a complaint the next call I get. Stop spamming people's numbers.

Steven was great and easy to talk to when I had questions. He made me feel comfortable on my…read moredecision and was informative every step of the way. I highly recommend this guy!

My wife and I are first time home buyers and we had a great time consulting with Steven! From the…read morestart, he was very responsive, professional, and courteous. He also took all the time to answer our questions and explain any loan concepts that we were confused about. Working with him really does feel just like working with a friend who has your best interests in mind. We did end up proceeding with a lending branch in our hometown of Irvine, but we want to say that Steven offered us the best rates and service out of any loan officer we spoke to and we would highly recommend his services!

Working with John was the best decision we made! He made the incredibly complicated process of…read morebuying a home as easy and straightforward as possible. LOVE his videos, they are easy to understand, custom to your loan and easy to watch on repeat if you need to hear things 3 times like we did. I trust John and recommend him to anyone. He took our dream home that at first felt totally out of our league and made it completely possible.

John and his team were truly amazing - very quick turnaround, always professional, gave excellent…read moreadvice and trustworthy. We've used him multiple times and would use him again!

Peter was the most accurate, efficient, and responsive professional I worked with throughout my…read moremortgage process. After going through multiple agents and even changing mortgage officers twice, I was under significant stress and time pressure--but thanks to him, everything moved forward smoothly without any issues. I truly appreciate all of his help and professionalism, and I would absolutely recommend him to my friends and anyone going through the home buying process. Thank you so much!

I recently worked with Peter as my mortgage lender to purchase a home in California. I had…read morestruggled with 4 other lenders who couldn't make it work. He combined high-level competence and expertise with genuine compassion and positive energy, all while maintaining full professionalism. He was knowledgeable, highly responsive, and navigated the complexities effectively to get my loan approved smoothly. Thanks to his expertise and dedication, we closed on time and I was finally able to buy a home to start my family. The entire process was stress-free compared to what I had experienced before. He's is truly exceptional, the magic man! Thank you, Peter!

Huge thanks to Mina for being so patient and keeping me updated every step of the way. She made a…read morecomplex process run incredibly smoothly!

Mina was absolutely amazing to work with. We were referred to her by our agent, which turned out to…read morebe one of the best decisions we made. From our very first call, we were extremely impressed with her knowledge and professionalism. She took the time to truly get to know us and understand our homebuying goals. As first-time homebuyers, the process was entirely new and, at times, overwhelming. However, Mina has a calming and reassuring presence that helped alleviate many of our concerns. She was able to help us close on a very tight timeline, which made our offer stand out. She also turned around mortgage scenarios quickly for multiple properties we were interested in, with varying financing options--sometimes even multiple times in a single day. Every time we spoke with her, she was transparent about the process and clearly communicated next steps. Thanks to her diligence, she was able to lock in our rate just before they increased significantly, which we are very grateful for. She was always available when we needed her, and we truly could not have asked for a better lending partner. We look forward to maintaining our relationship in the years ahead as we settle into our new home.

John is very knowledgable with the real estate process. First, he sold our condo in Long Beach,…read morethen helped us buy our new home in Whittier and did our loan as well. He took into consideration the details in what we were looking for in a home. If we had any questions about any documents he made sure to explain it until we completely understood. He and his whole team were very professional and made this whole real estate and loan process experience a breeze! HIGHLY recommend!

I highly recommend using The Mortgage Hub. Everything that was said, was done. We were walked…read morethrough the process never feeling concerned or with doubt. John and his team were very professional and the highlight of the process was the weekly updates sent via video. Communication was key as with everything going on during this time, he was always available via video or phone. The knowledge John has in this industry is why he and his team do so well. Give John the opportunity and he will not disappoint.

Thank you so much for all your help throughout the loan process. You made everything easy to…read moreunderstand and were always quick to respond and answer questions. Your support and guidance really helped make the experience smooth and stress-free. It was a pleasure working with you, and I truly appreciate everything you did to get us to the finish line.

Honestly, don't rush to give someone credit before real problems happen. She might seem extremely…read moreattentive while you're still in the process of working with her. This was my first time buying a house, and I was introduced to her through someone I know. At the beginning, she called nonstop, saying all the right things and promising the best. But once everything was done and I still had questions and issues that needed to be fixed--my God, trying to reach her was nearly impossible. I am truly disappointed that I trusted and worked with someone this irresponsible. Every time I call, it goes straight to voicemail, and even after leaving messages, she takes one or two days--or longer--to respond, if she responds at all. I still have unresolved issues, and nothing has been properly addressed. I strongly urge everyone to think twice before choosing a loan officer like this.

Devon Doan did an exceptional job from start to finish. He is professional, knowledgeable, and…read morehighly responsive. He worked late hours around my schedule and made the entire process seamless. The loan was underwriting approved within 24 hours, which was impressive. He explored all options and delivered even better results than originally quoted, which exceeded my expectations. Having purchased multiple homes, this was the best experience I had. I highly recommend Devon Doan and Advanced Horizon Lending to anyone looking for a top-tier lending experience.

Long story, short: I wouldn't have been able to purchase my parents' dream home without Devon and…read morehis team. Long story, long: working with a traditional bank was a nightmare--they wouldn't preapprove me for a loan high enough to put in a competitive offer, let alone even purchase the home, and offered me absurd interest rates. They also used scare tactics to try to get me to work with each of them. They didn't care at all. While ranting about the process to a friend, he recommended and referred me to Devon, who is now one of my favorite humans on the planet. He answered my calls day and night (sorry, Devon!), answered all my technical questions since I was new to the home buying process, calmed me down and provided me with reassurance when the other party was being difficult, and was always readily available to go above and beyond. He was not just a lender but a friend, confident, and jack of all trades. He jumped in wherever needed to communicate with realtors, title companies, etc... not his job! But he truly cares about his clients and does this for each and every one of them which is truly amazing. I saw it first-hand when I went into his office in person to sign my paperwork. He did everything he could to make sure I was able to purchase this house. He scoured through different programs and loans that I could be eligible for and made them work for me. Throughout the process, I would receive emails at 2am, a phone call that same morning at 7am, texts throughout the day--he would even answer my phone calls while he was eating dinner at 7pm and calm me down when there were fires at 11pm. The issues we faced were not due to the loan itself but more so the process of working with and communicating with the other side. Nothing to do with Devon, but he was always the one jumping in and putting out the fires. At the end, he was able to calm everyone down and get my loan underwritten within a couple days (unheard of!! everyone was so impressed). I honestly don't know where I would be without Devon. He's like an uncle to me now, he's invited to the housewarming! It wouldn't have been possible without him. I'd have had to settle for a much cheaper home, that my parents didn't really want. I can't thank him enough and I've already told all my friends--when they purchase a home, I know who they need to call. Hopefully I get the opportunity to purchase another home in the future, perhaps for myself, because I know who I am going to call!