I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner, Pam 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 read more

I was referred to Pam at OC Mortgage Solutions by a friend to help my daughter and I get into her first 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. read more

We found Pam on yelp about a year ago while trying to figure out our loan preapproval. As first time home buyers, we were pretty much completely clueless about the process. After contacting her for the first time, Pam set up a call that same day and went over EVERYTHING... think the call lasted well over an hour on a weekend. She is a VERY smart lady and you can immediately tell--she knows what you're about to ask before you do :) Pam then introduced us to her husband Tai, who is a realtor. They are the dream team. We made a total of 3 offers together and finally got a house we love. With each offer, we contacted Pam and Tai the same day after of an open house visit and an offer was sent out within a few hours. They will drop everything to get your offer out and answer your questions tirelessly! I read many realtor horror stories where buyers missed out on houses due to unresponsive agents, and feel so lucky to have found Pam and Tai who we never had to doubt. During escrow, Pam was in touch with us daily about the loan approval and other financial questions, whereas Tai took care of all the contractor quotes, inspections, and gave us very helpful advice for ongoing maintenance of our new house. Homebuying is a stressful time but together Pam and Tai made the process run as smoothly as possible! We 100% would recommend working with them to anyone. Thank you guys so much again!! read more

Pam came very highly recommended by very close friends of mine & did not disappoint. She's knowledgeable & thorough & kept me updated throughout the home buying process. Everything from start to finish was very smooth & surprisingly super easy. Even when she was on vacation over the holidays, she still called & text'd to work on my loan & answer my questions. I've already referred Pam & OC Mortgage Solutions to my family members & they'll definitely be my first choice when it comes time to refi. read more

My wife and I were first-time homebuyers purchasing a townhome in Foothill Ranch, so this whole process was completely new to us and we did not know what to expect. Pam made everything feel so smooth from start to finish. She was very responsive, always took the time to answer our questions, and gave us great advice throughout the entire process. We are so glad we chose to work with her and would absolutely recommend her to anyone looking for a mortgage broker. read more

My husband and I worked with Pam at OC Mortgage Solutions twice since 2021--and we won't make the mistake of going with anyone else again. The first time around, we chose a different broker and were left disappointed by the lack of partnership and ultimately the terms of our loan. Lesson learned the hard way. When it came time to buy our current home, we went straight to Pam--and she exceeded our expectations. She's responsive, professional, and truly cares about her clients. Her guidance gave us confidence throughout the process, and her dedication made a world of difference--especially given the tight timeframe for our close. If you want to partner with a mortgage broker who's a problem-solver, and who has your back every step of the way, Pam is the one. I cannot recommend her highly enough! read more

Pam is simply the best! The lengths she goes to for her clients is unmatched. We were very fortunate to be referred to her by a friend after waiting months for another company to just get back to us. She worked day and night to make our initial mortgage dreams come true and has since helped us with refinancing. She works with you every step of the way keeping in constant communication. She doesn't stop till the job is done and has secured only the best for you. I cannot thank her enough for her work to help us get this house and the very sound advice and guidance she provided along the way! You won't regret choosing Pam as your mortgage broker!! read more

Pam was such a pleasure to work with for my clients investment home purchase loan. She has an impressive knowledge base and years of experience, and it really showed in how she guided the process. She truly had my client's best interest at heart and patiently waited for the perfect timing to get them the best opportunity possible. Her professionalism, kindness, and expertise made the entire process so much easier. I'm grateful for her hard work and look forward to working together again! read more

Pam and Tai are truly the dream team! Purchasing my first home was easier than I anticipated. After talking to friends who did not share similar experiences with their realtors and lenders, I realized I completely lucked out with these two as they really took care of everything and streamlined the process for me. Communication was always prompt, and what I appreciated most was that they move FAST! My loan ended up falling through last minute during underwriting but Pam was on it- she immediately dug into creative financing options for me. Thanks to her endless knowledge and relentless effort, I ended up getting my dream spot! Tai spent an astronomical amount of time researching properties and coming with me to showings. He always went the extra mile with the biggest smile on his face! Seriously, his energy is infectious and he made the process so fun and exciting. Forever grateful for Pam and Tai. Highly highly recommend them both! read more

Pam just helped me close a loan on my first home purchase. She worked with me on solutions on how to make the loan work and go through underwriting seamlessly with minimal conditions. We were cleared for closing almost 2 weeks ahead of our close of escrow date! I also work for a mortgage company, but I will always use Pam instead for anything mortgage related. Thank you so much! read more

We were referred to Pam by our CPA. It was a pleasure to work with Pam in our process of purchasing our first home. She made it simple and answered any questions we had very quickly. She was available all the time. Of course it was stressful for us, but she made it a lot simpler and walked us through everything. We would highly recommend you to have your loan process through Pam, you will be glad you did. She puts her heart in what she does and we truly appreciated her help! Thank you Pam! We will work with you again soon for refinancing! read more

Pam + OC Mortgage Solutions came at the recommendation of old friends who used OCMS to refinance their home, their parents, sister, and other relatives. The crazy thing is we live in the bay area and are looking to refinance our house up here and not in the LA/OC area. Thankfully the distance was not an issue at all, we felt well-taken care of and communication was very easy. Highly, highly recommend this company. Responses were fast and they are so knowledgeable about the process we felt like we were working with the go-to experts for refinance and mortgage. Super happy with our final locked-interest rate that was significantly better than what we got 2 years ago from Chase, thanks so much! read more

From the moment I contacted Pam to inquire about my loan options as a first time home buyer I knew she was the one we wanted to work with. I had reached out to other mortgage brokers previously and because I am self-employed, they both gave me unsatisfactory and confusing options to secure a loan. Pam immediately got to work to figure out what options were best for our family. Her grit and hustle are unmatched and she is so excited for her clients- she makes you feel like family. Pam is always available if you have any questions and is so prompt to respond with a solution, all while being so kind. She was able to close extremely quick on our loan and we are now proud new home owners! We would highly recommend Pam at OC Mortgage Solutions. Thank you Pam for everything you have done for our family and if we ever need help again you will be our first call! read more

Where do I start with Pam? Let me give you the highlights: -Insanely knowledgeable -Incredibly responsive -Great strategies/recommendations -Always available -Works tirelessly -Honest and transparent -Advocates for you -Can close in 14 days We just closed escrow today and honestly could not have done it without Pam on our team. This was the smoothest part throughout the journey, so that says alot about working with her! We actually switched from a credit union to go with Pam because an insane market needs an insanely great mortgage broker who can help you win. We honestly believe it's because of Pam's suggestions and helping us with our overall offer, that led us to win after losing 14 bids with the previous lender. Did I mention she can close in 14 days? Pam was also ALWAYS available to us day and night and extremely responsive to the sellers agents as well. We can't recommend Pam enough. She is so impressive and amazing at what she does. Thank you so much Pam!!! read more

I cannot say enough great things about Pam at OC mortgage solutions! We just closed on our first home and couldn't have done it without her and her husband Tai! As first time buyers, Pam helped us through the process and was in constant communication with us. She is SO knowledgeable in this field and she's a no bullshit kind of girl which is why we put so much trust in her. And we'd gladly do it again! Highly recommend her to everyone! And we will definitely work with her again in the future. read more

Pam is amazing! She put our worries to rest when we started to look into housing with prices so high and interest rates rising. We met Pam through our real estate agent and we found out that they are truly the dream team. Not only did we get our loan approved so quickly but we also closed within a few weeks. To start, as first-time home buyers, we had no clue what we were getting ourselves into and had a million questions. Pam answered all of them and more. She is always available to talk to no matter the time. She was always transparent and kept us updated during the entire process. I would happily recommend Pam and OC Mortgage Solutions to anyone looking for a great lender. They will be our first call when looking to refinance or purchase a new home in the future. read more

Pam is the absolute best!!! She recently helped me on a loan for a new home. I've used her services in the past to refinance some properties and she always goes above and beyond. Pam is so responsive and proactive. She really cares about her clients and is such a pleasure to work with. I've worked with other brokers in the past that couldn't get a loan funded and made the process a nightmare. I will never use anyone else. I can't recommend Pam enough!!! read more

Back in 2016, I bought my first home with Pam's help! Just now, I have went through my first refinancing on this home with OC Mortgage Solutions again. I have researched and shopped around and Pam and her team blows every other mortgage broker or loan officers out of the water! She genuinely cares about you and able to find you the best deal and rate you can get in the market. She is super responsive and so driven to make sure you get the best deal locked in. I am so satisfied with my refinancing process and will be reaching out to Pam again for all my future mortgage solutions. She builds relationship with you and I highly recommend her. read more

If I could give Pam more than 5 stars I would. We even joked with her, we would name a child after her. OC mortgage became our family the moment we spoke with them 7 years ago. They are patient and kind but never mistaken that as weakness. She is your fighter and trust me she is always fighting for you. We received the best rate, and she got us approved in order for us to purchase our first home. With the help of our families and Pam- we can finally put some roots down. What a dream come true! She is straight forward, honest and genuine. We were referred to her by family and now have referred other friends and family. She goes above and beyond- and even that is a understatement. We absolutely love the professionalism and knowledge OC mortgage Do not hesitate to call them! read more

We just finished a refi on our house and, of course, Pam knocks it out of the park for us again! We originally worked with another lender when we first wanted to refinance back in April. There were so many delays, no answers provided, and we just kept getting the run around for over two months. But lucky for us, rates dropped again over the summer and we reached out to Pam for help. Without skipping a beat, she presented our options and asked all the right questions to give us additional options that we didn't even know was available to us. She's extremely responsive, thorough, and best of all - quick! From my first text sent to her letting us know that our loan was funded, it took less than 30 days. Pam is truly awesome and we will always reach out to her first from now on. read more

First time home-buyer here, so I don't really have a reference of what the home-buying process should be like. But I've heard the horror stories! Naturally, I wanted to be very cautious about the team that I hired to help me make the biggest purchase of my life. I'm sure I had hundreds of silly questions. Pam (mortgage broker) and her husband Tai (real estate agent) answered all of them with honesty and grace. They are both extremely hard-working, fast, and knowledgable. Seriously, Pam and Tai made the whole process SO EASY for me. From start to finish, Pam was constantly updating me on where we are and what the next step is. All my texts were answered with minutes. If I told Tai that I wanted to view a house, we were there the next day. Ultimately, I decided on a older house that had a couple of complications. Pam was able to find the right lender for me in spite of the complications about the home. And Tai helped me with negotiations so I got a good deal on the home. I have a feeling that there was some behind-the-scenes drama between them, the sellers, the lenders, and the escrow company. . .but Pam and Tai did their magic and worked it all out for me. Which lead me to have a very pleasant and minimally stressful experience. If you want a couple of bulldogs on your team, these two are it. Look no further! read more

This would be our 5th transaction with Pam & Tai over the last decade. From refinancing, to buying and selling, hands down the best and professional in the business. There is one time I went outside of them because of incentives and we horribly regret dealing with amateurs in the industry. Pam and Tai give their opinions, and go the extra mile for whatever benefits the client. Communication is clear, concise and they are readily always available to help you through it. From experience from other companies, there is a striking difference in efficiency and customer service. I have referred many to them already, and will have a lifelong relationship for future endeavors. read more

Where do I Start...Pam I LOVE YOU! Your beyond knowledgeable, accurate, fast, kind, compassionate, and ALWAYS had a answer. You truly are WONDER WOMAN! Going into this home buying process I knew it would be stressful, but you held my hand the entire way and you never let me give you. You wore so many hats that at times you were even my "unpaid / unlicense" Therapist. Pam..your dedication touched my heart and I will be forever grateful. EVERYONE needs a PAM in their life. I am beyond happy that I worked with Pam and her Entire Awesome Team at OC MORTGAGE SOLUTIONS. read more

Amazing lender in San Diego. She was very communicative through the whole process and also was able to get us the best rate for our situation. Another plus here is that she was able to meet shorter contingencies to make our offer stand out to the sellers. As a buyer I feel like you really need a lender that is hands-on and she is also available anytime to help us out. If you are looking for a great lender you need to talk to Pam and then compare from there. She is one of the best I have ever worked with! read more

5 stars: My wife and I are so happy we found Pam. She is professional, knowledgeable (over 20 years of experience in the real estate business), proactive, on top of things, and most importantly funny! She responded very quickly to our emails and text, even past 10 pm! We felt very supported by her throughout the process. She even knew things beyond loans that was very helpful for us as 1st home buyers. She was protective of us as she advised us every step of the way to make sure we get the best rates. Our rates were great! We STRONGLY recommend Pam at OCMortgage!! read more

Just refinance my mortgage and saved some money with the best loan officer. Pam made is so easy to complete the loan application and expedited the approval so fast. Not only that i save money on my monthly payment with no cost and fees, she was also able to lower my PMI for less than half. She made the process so easy by submitting all documents electronically. I will definitely contact her again to refinance when the right time comes. read more

Once again Pam took care of everything. This is the 3rd time we used OC mortgage solutions since 2008. She made sure all our questions are answered and responded promptly to everything. We will continue to go back to Pam for all our mortgage needs! read more

Working with Pam and OC Mortgage Solutions was the best decision my husband and I have made with purchasing our new home. I can't express how easy Pam made the process. She constantly updated us on everything throughout and answered thousands of my questions at any time of the day. Her prompt response each time is something we truly appreciate. We first signed on with Pam to be our lender but after working with her, we quickly knew we had to have her as our new agent as well. Pam and everyone on her team worked effortlessly for us and we are forever thankful! UPDATE 04/12/20: Pam strikes again!! I can't express how thankful my husband and I are for Pam and everyone at OC Mortgage. We just refinanced our home (our first home in which Pam handled a-z) and she has made the process so easy. She truly works 24/7 and always is there to keep us updated and educate me on everything! Pam is always looking out for our best interest and continues to make us feel like we can always trust her. SO lucky to have found Pam! read more

Pam is excellent! My husband and I worked with her when purchasing our first home and our first refi and both times she was such a pleasure to work with. Given that both these experiences and life milestones were completely new to us, Pam guided us and provided knowledgeable advice through it all. Never once did we feel like we were bombarding her with questions. We greatly appreciate you Pam! I'm thankful to have been referred to you and would refer all my friends and family to you. Keep up the awesome work! read more

When it comes to buying your house, it is critical who you have on your team. Find someone who is quick, reliable, and competent in this highly competitive market. This is our second house purchase and our third time working with Pam. She was able to quickly give us our preapproval amount and worked in tandem with our real estate agent to generate our preapproval letter. When it came to the loan approval process, Pam was ready to hit the ground running. The Sellers chose our offer because we could get approved and we could do it fast. We put all our faith in Pam to make it happen and she didn't let us down. She worked around the clock to help us with whatever we needed, including getting the appraiser scheduled within the week and the appraisal report returned within a couple of days. Pam was very professional and acted in a timely manner to get our loan sorted out so we could close on time. She guided us with the required documents and she did the rest of the work to review everything. She also provided sound advice regarding our interest rate options. We can't thank her enough for getting us through the loan process and making it a smooth experience. Whether you're buying a home or refinancing, contact Pam. I've already referred many of my friends and family to her and will continue to do so. She's the best in the business! read more

From the moment I contacted Pam, I knew she was the mortgage broker I wanted to work with. She took the time to listen to my situation and advised me what was possible. Her experience and long term relationships with various lenders were apparent, and I'm glad I chose to do the loan with her. The entire refinance was very efficient and was completed in 2 weeks! She was able to secure a good rate and term, even though rates were rising at time. Thank you Pam. Great service and professionalism all around! read more

Pam exceeded ALL of our expectations! We had a unique refinance situation with multiple objectives to be met and obstacles to overcome. Pam combined a creative, solutions oriented approach with perseverance and a "can-do" attitude to successfully complete our transaction. Not to mention she was literally available 24/7... even when on vacation! Pam is officially the only broker we will ever work with in the future. Without hesitation we will be recommending her to friends, family and business partners. She truly is the Best in Class!!! We cannot thank you enough Pam . read more

This review is a few months overdue, but Pam is the best, simply put. We were burned by our previous lender when we were trying to refinance our home, and Pam was able to step right in, assess our situation, and make a few suggestions and recommendations without feeling like she was ever trying to nudge us in any direction that would benefit her more than us. Her honesty, guidance, and ability to go well above and beyond for us when a cost issue came up with our appraiser are just a few reasons I'd recommend Pam to anyone, and I guarantee we'll be coming to back to her when we're ready to step into our next home. If we could give more stars, we would. Thank you, Pam! read more

I recently decided to refinance my home because rates were so good. I reached out to many different people and companies that my own family recommended. I found myself playing phone tag and getting no where. I decided to get on Yelp and see what everyone around me recommended. Pam had great reviews so I decided to reach out. She was so fast to respond. I decided she was the one! She explained everything to me so that I understood and was incredibly fast with responses. She is definitely a hard worker and really good at what she does. I highly recommend her to anyone looking to do the same. She's amazing and I couldn't be more grateful for all her help! Thank you pam! read more

My husband and I could not have picked a better team to help us buy our first home! Pam and her husband Tai were great and really helped us get the house we wanted. Pam especially went above and beyond, she was easy to talk to and extremely understanding of our situation. She gave us great recommendations, and it worked out because we got the house! Thank you Pam for helping me get the loan, and thank you Tai for helping us close the deal! We are very happy and thankful. We would definitely recommend OC mortgage solutions to our friends and family! read more

Pam helped me sell my house and get me into my new house so quick. She is so professional and gave me step by step of everything that will be happening during my house selling and during the loan for my new house too. Definitely will refer her more business. I highly recommend her for all your refinance and selling or buying needs. read more

I am literally 22 years old and didn't think I could get approved for a house. Pam did her magic and BAM... I was approved. I am a proud home owner of a 5 bedroom / 3 bathroom house and it was all because of Pam. read more

This is our third time working with Pam and her team. She helped us close on our second home. Like always, Pam was professional, knowledgeable, and very helpful. She was very prompt and was readily available. Pam is also very protective of us throughout the process, guiding us in making the best financial decisions. She informed us of this special program that allowed us to buy a second home. We will definitely call Pam for our next purchase. read more

If you have any doubts whether to choose OC Mortgage Solutions to handle your home purchase/refinance let me tell you something. This is my 3rd time I am writing review for Pam and her company, and that is also the 3rd time I refinanced with Pam. I don't bother to look for anybody else, it is a waste of time. As I said previously, you don't deal with business, you deal with a friend who's keeping your goals, your interested aligned with her own. You are in the best of hands, someone who will guide you, will have patience with you so you, the customer know what your next step should and will be. Pam is the nicest person you can think of, she will have all time in the world for you as long as you need it. I highly recommend Pam and OC Mortgage Solutions. read more

I love working with Pam because she is very knowledgeable in the mortgage business and she makes my refinance process very easy to follow. This is my second refi with Pam and is definitely not my last. I like that Pam is always on top of things and she will work around the clock to get things done. She keeps me informed every step of the way either through a simple text or phone call. She is very patient and has provided guidance when I was unsure of anything. Pam, thank you for making the refi process less complicated for me and for your hard work and dedication shown throughout. You are a GEM!!! read more