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.

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

I was referred to Pam at OC Mortgage Solutions by a friend to help my daughter and I get into her…read morefirst house. Pam was very professional and and genuinely a very nice woman. From the first time we spoke she was very thorough and professional . Even though this is not my first experience with a lender, she was by far the best. Communicated every day on interest rates so we would know the best time to lock the rate. Quickly responds to questions and made this seamless for us. I appreciate her help and will use her again when it's time to refinance.

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

This review is long overdue! John and his team absolutely killed it!…read more We closed our transaction in late July, John is a Type A -go getter, responsive and attentive to detail! He made the purchase of our first home absolutely easy! He was able to help us get a better rate than the national average due to their access to multiple lending companies and brokering out the deal. I will use John again for any future transactions, thank you John!

John IS exceptional customer Service. He is always there to help you through the process . He is…read morehighly recommend in my book Arpad P.

Extremely positive experience working with Shelly and her team at CCM. Very thankful for all they…read moredid to make the process smooth.

Shelly and her team, especially Toni and Denise are absolutely amazing to work with! They make the…read moreentire process as smooth as can be, and are in constant contact every step of the way. We have used Shelly for our last two home purchases and both experiences were top notch. I could not recommend them more, and you will be amazed at how smooth a home loan can actually be!

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.

Love this company to invest with. Sandy is wonderful along with Justine and Mayumi, they are all…read moreeager to help and very nice. They use FCI for servicing who do a fantastic job! I highly recommend this company to invest with.

From start to finish, Sandy and Mayumi has been up front and forward with the whole process! They…read moreboth went above and beyond to get my needs met! I would definitely keep going back! Highly recommend them!

I highly recommend Jay Kunkle as a mortgage consultant. He was referred to us by our real estate…read moreagent, who is a trusted family friend--and her recommendations have always been spot-on. From the start, Jay was incredibly responsive, answering all of our questions quickly and thoroughly. He was also fast and efficient when it came to preparing approval letters, often on short notice, whenever we were ready to make an offer on a home. Although we initially went with the bank my boyfriend works for, that experience proved to be disappointing and we ended up coming back to Jay--and we're so glad we did. He was clear, communicative, and provided us with multiple mortgage options tailored to our needs. His professionalism and support made the process much smoother. And he continues to reach out to ensure the process is going smoothly as we make our first few payments. If you're looking for someone knowledgeable, reliable, and easy to work with, I wouldn't hesitate to recommend Jay.

Had a great experience working with Jay and his team on a mortgage for our home. The Kunkle team…read morewas incredibly responsive, offered great advice, and coordinated directly with our Real Estate and Escrow teams to make closing on our home a really smooth process. Would recommend reaching out to Jay's team for any of your loan needs.