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 so amazing to work with! We first reached out a year back but the deal we had didn't pan…read moreout. Fast forward to a year later, we unexpectedly came across another deal and she was able to pre approve us right away to help submit our offer before the deadline. As first time home buyers, she really took the time to answer all of our questions and walk us through the process. We got a competitive rate and it was because of her team, we were able to negotiate for seller credits AND win the bid war. Highly recommend!

We recently had the pleasure of closing a transaction with Julie and the Aragon Lending Team, and…read moreit was a great experience from start to finish! Julie was professional, responsive, and on top of everything throughout the entire transaction. Communication between lending and escrow was excellent, and whenever we needed an update or had a question, she was quick to respond and kept everything moving forward. As an Escrow Officer, I truly appreciate working with a lender who understands the importance of communication, timing, and teamwork. Having a lending partner who stays engaged and works closely with escrow makes such a difference in getting everyone to a smooth and successful closing. Julie and the Aragon Lending Team were wonderful to work with, and I would absolutely recommend them. I look forward to working together again on many more transactions! Thank you, Julie, for being such a great lending partner!

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.

OC Mortgage Solution definitely deserves 5 stars, and I can honestly say that every 5-star review…read morehere is true. I normally don't write reviews on Yelp, but I really wanted to take the time to write this one because I hope it can help someone who is looking for a mortgage team they can truly trust and have a wonderful experience with, just like I did! Pam and Tai are beyond amazing. Purchasing a home is one of the biggest and most important decisions in life, and working with them made the entire process so much easier and less stressful for me. They were always on top of everything, kept me updated, and were always there whenever I had questions. Pam even answered my calls at night when I needed help. That really showed me how much they genuinely care about their clients. I never felt like I was bothering them or had to figure things out on my own. No matter what came up, I always felt like they had everything under control. Buying a house can be overwhelming, especially when there are so many things you don't understand about the process. But with Pam and Tai, I always felt safe and confident that I was in good hands. They were patient, responsive, knowledgeable, and truly went above and beyond for me. I'm so grateful that I found them and had them by my side throughout my home-buying journey. I honestly don't think I could have asked for a better team. If you're looking for a mortgage team you can trust, I highly recommend Pam and Tai. You won't regret working with them! Thank you so much, Pam and Tai, for everything you did for me!

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

John and Lily were the best people I've every worked with on a home mortgage! The communication,…read morecare and concern were Above and Beyond! Lily has the word HONEST under her email signature. She and John were ALL of this and more! Hardworking Obsessed with the client experience No loan left behind Excellence in Execution Servant Heart Teamwork

Outstanding Mortgage Advisor and team - Truly the Best in the Business!…read more Working with John Farrell and Lily Pena was one of the best decisions we made during our home-buying journey. From the very first conversation, it was clear that I was in expert hands. Their response time was nothing short of amazing--no matter the time of day or the complexity of the question, we always received a clear and timely reply. It made a potentially stressful process feel incredibly smooth and manageable. One of the things we appreciated most was how well they educated us throughout the entire process. They took the time to explain every detail in plain language, ensuring we felt informed and empowered to make the right decisions. We never once felt rushed or brushed off--just genuine support and expertise at every step. Their availability was also remarkable. Whether it was after hours or over the weekend, John and/ or Lily consistently went above and beyond to be accessible and responsive. It truly felt like we had dedicated partners who cared about our goals as much as we did. And last but certainly not least--their personalities! Friendly, professional, approachable, and calm under pressure. They brought a personal touch to the experience that made a huge difference. We always felt heard, respected, and confident that we were being looked after by people who genuinely care. We can't recommend John Farrell and Lily Pena highly enough. If you're looking for a mortgage advisor and team who are knowledgeable, responsive, reliable, and a joy to work with, look no further. These are the people you want on your team! Clients for life.

Although we closed in March I would be remiss if I didn't sing Adriel's praises even at this late…read moredate. He was attentive to my many emails, texts and calls. Walked me through the process and took his time explaining my options. (And I had a lot of questions! After all, this is the largest purchase I will ever make). Even when my realtor freaked out because my rate wasn't locked in, Adriel knew it wasn't the right time and he was able to secure a better rate. His team was professional and highly skilled.... and available at the last minute to sign docs on a Sunday! As I recall we closed in 28 days and he was ready several days beforehand. I would recommend Adriel to anyone. Thank you Adriel!

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!

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

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!

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.

We just closed our first transaction with Scott and ended up closing early. Scott is very…read moreresponsive and is unique in the sense he processes his own loans which means you will have immediate updates and if something is at a halt Scott is able to correct the issue quickly. As a real estate professional we work with multiple lenders and Scott is by far at the top.

Scott is smart, reliable and efficient. He's a numbers guy, but an excellent communicator, and…read moresuper accessible. I've done two mortgages with him and each time the process was seamless. It went exactly as he predicted, and he saved me $700/month on my recent refi. Highly recommend!!

Steve was amazing through the entire process and we could not recommend him more highly. His…read morecommunication, follow up and transparency throughout the entire process were tremendous.

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

Sean Dibsy was seriously the BEST loan officer!!! He made the entire home-buying process so much…read moreeasier and was always patient, knowledgeable, and incredibly responsive. I would randomly call or text him with questions, and he always made himself available to walk us through everything. He genuinely cared about making sure we felt comfortable and informed every step of the way. We couldn't have asked for a better experience and would recommend Sean to anyone looking to buy a home. Thank you, Sean, for everything!!!

**2nd update. After posting the update, since I hadn't heard anything back. I received a hostile…read moretext telling me he's "done with me" and will not help in removing the inquiry. This is the customer service you will be receiving. There's no kindness, no consideration. I have NEVER had this experience before. Again, others are to blame, but not the company. 9/28/26---Update---This was in fact another HARD inquire, as stated on my credit report, which I pulled. As of this evening at 9pm, no updates. Nothing has been resolved, even though this is the error of this company. I didn't send a threating email. I told them I'd be leaving a review so others would know to stay away from a company that has a motto of "we care" and "hold us to our word" yet when you try to address their error, they're very defensive and want to put the blame on the customer/potential customer. Calling me late in the evening and pressuring me to remove a review that is based solely on my experience with this company is threating and illegal. You can't mess up people's credit and deny all responsibility, and force them to lie. I'm not the only person who has had a horrible experience with this company. I have the date the credit was pulled again, and it's listed as a HARD inquiry, no matter how hard this company's owner tries to deny it. It's simple, you want a good review, you provide excellent customer service. Why would I be making up the fact that my credit score took a hit, Optimum did this, when they weren't authorized to do so. I have my email from the new "Madi" loan officer. She told me that she would be using the paperwork/credit report info from the previous loan officer (who somehow just vanished into thin air) when I asked if she'd be running my credit again, she said no, yet they did that the SAME DAY (even though I DID NOT tell her I wanted to continue working with her). Robert told me it was due to human error in the begin of his many texts, then tried to blame it on me. Avoid this company at all costs. I will not be bullied into removing my review. Until there is a good faith effort to correct their obvious mistake this honest and horrible experience will stay. I have no problem leaving a good review, when it's warranted. I do not leave fake reviews, and will not be pressured into leaving one here. Fannie Mae did not pull anything, this company's name shows up 2 time on my "inquires" list, because they did it 2 times. I also didn't get a loan with them, so why are they even continuing to have access to my information?