I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner,…read morePam worked with me and provided amazing service and high quality of work. She was able to answer every question I had and helped make the most of my money. Even a month after closing, she still answered any other questions or concerns I had. 10/10 would recommend

Pam was absolutely wonderful to work with. In my experience, there are only a few people I've…read moreencountered who are truly amazing at their jobs, and she's one of them. Working with her felt personable from start to finish. She made it clear our best interests were her priority the entire way through. She was incredibly helpful, guiding us through every step of the process and making it as simple as possible. She was always readily available to answer questions and lend a hand whenever we needed it. If anything, she works too hard! If I could give her 10 stars, I would. I highly recommend her.

Well, if you read all the 1 star category horror stories, I too fell into that category. The first…read moreloan officer didn't do his job properly, misrepresented himself and ghosted me. I complained to his boss and that stooge ghosted me after a few weeks. I called again for the third time being extremely frustrated and having sent over all the required documents several times... I finally got a wonderful guy named Trey Alvarez to help me out with my loan. I would hope that he finds another company to work for because he is amazing,he listenes and is with you 100% all the way. It took 4 months for this to get funded. Trey was only with me for a few weeks. However he did his job the way he knew it should be done. So this review is absolutly not for Sovereign lending, it's only for Trey Alvarez. Job well done Kiddo. I would leave 5 stars, but that would make Sovereign look good and They were hard to deal with. SO choose Trey, YOU WILL BE IN GOOD HANDS with him.

This company seems desperate. Makes me wonder if they are about to go out of business. They are a…read morepest. I've been getting regular spam emails from them and 3 phone calls just this week with VERY PUSHY people on the phone. They start out asking for me without first introducing who is calling. I ask who is calling and they say Sovereign and that they are calling because I expressed interest in a loan. NO, that was 3 years ago, and your information is very old. But quickly they say there are changes in the market and do I still live at xxxxxxxx. I tell them.... Look, I didn't use you 3 years ago because you were terrible during the initial phase, so I used someone else, so I don't need a loan and there is no possible way you can beat my interest rate since rates are now triple what I have. So leave me alone. They then say, but we like to give you a "free" review. I have to say again, take me off your spam list and stop calling. You are too pushy and rude and not listening to what I am saying, so I will never use you in the future. I hang up. Next day another idiot from their company calls. I have to block their calls. I suggest not using them. This desperation is a big red flag to me. They were terrible 3 years ago and still are today. Also agree with other reviewers that they are clearly very disorganized.

As first time homebuyers, we knew nothing about the loan process. Mina was recommended to us by our…read morereal estate agent and many of our friends used her when purchasing their homes. Working with Mina was a dream! She explained everything simply for us and showed us different options to financing our loan that could help us save money up front. Mina is quick and responsive. She turned around our preapproval within 24 hours! I highly recommend working with Mina and her team fo your mortgage needs! We will be referring her to our friends and family.

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.

Absolutely amazing! Very communitave and answered all of my questions in a timely manner and got me…read morea beautiful rate on my home. Would absolutely recommend Steven

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!

We are so grateful to Adriel for the work he did to get us into our new home! We had a very…read morecomplicated situation going into this purchase and had already tried working with 2-3 other lenders unsuccessfully before we were referred to Adriel. Adriel faced the challenge head on, gave us the facts at each step, and never promised more than he knew he could deliver. In the end his plan worked out exactly as he laid out to us and we closed on our new home with a great interest rate. We couldn't be more thankful or happy to refer him to anyone no matter their situation. Thank you Adriel!

Adriel has been handling all of my financial needs since the year 2000. From doing my taxes to…read morehelping me get my very first home loan to refinancing my home to getting a HELOC, he has done it all and done it well. He is reliable, honest, devoted, committed to helping you, and tries his best to get you the best solution for your financial needs and concerns. He will continue being my go to man for all my financial needs for the years to come

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Julie and her team kick a$$! Mike helped us with a HELOC and I'm glad to say from the moment we…read moreconnected it was a wrap. Not only was the process made easy to understand, it was completed from the comfort of our home and our schedule.The team is flexible, quick, knowledgeable and most importantly explained it in a way that made sense to us. Our HELOC closed in a little over a week. Mike was in communication with us which felt like 24/7. If anyone is looking for a reputable lending team look no further.

An absolutely fantastic experience with Full Circle Home Loans. My first person of contact was…read morewith Tiffany who was incredibly informative, authentic, and responsive. After talking with Seth, there was zero doubt in my mind this is the team I want to be a part of. The group has been outstanding from beginning to end with getting the second home loan. It feels incredibly personal and they are most definitely there to hold your hands and encourage you. I had a bit of a panic attack one day during the process and reached out to both Seth and Tiffany. They were able to bring me back down to Earth, reassure me, and bring me back to feeling excited. This was exactly what I needed. Short term rentals are still very new to me but if you need a team to get you through this, this group is the one. Cannot wait to continue to do work with them.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

I've bought and sold 5 properties in the past 10 years. RJ Kosich helped me out every time. He's by…read morefar the BEST I've ever worked with. Not only is he honest and really takes the time to explain everything but he actually cares. If you want the best rate call RVM and work with RJ! If you want someone who has your back in this frustrating process call RJ! If you want the BEST call RJ! First class service and a really cool dude to work with! Thank you RVM and RJ!!

I used Brian when I bought my house about five months ago. He was so awesome and so helpful. I also…read moreused him for a refi and he was always extremely efficient. I would definitely recommend using him for any mortgage services.

Mai truly went above and beyond for us throughout the entire home loan process. She always stayed…read morein communication with us, kept us informed every step of the way, and was always there to answer all of our questions. She was patient, knowledgeable, professional, and made us feel supported from beginning to end. With interest rates being so high, getting the house we really wanted honestly felt impossible at times, but Mai made it happen for us! She worked incredibly hard to find the best options and helped turn what felt impossible into a reality. Thanks to her dedication and hard work, we got the home we wanted, and we couldn't be more grateful. We highly recommend Mai to anyone looking for a home loan agent. She truly cares about her clients and will go above and beyond to help make your dream of owning a home come true!

Had the absolute BEST experience with the best lender!…read more I'm not new to real estate and have had the opportunity to work with several lenders who are great at what they do, but she truly exceeded every expectation. From start to finish, she was knowledgeable, responsive, professional, and made the entire process seamless. I will HIGHLY recommend her to anyone and everyone I know! If you're looking for a lender who genuinely goes above and beyond, she's the one! Thank you so much Mai! Sincerely, Edward and Debbie