Sean Dibsy was seriously the BEST loan officer!!! He made the entire home-buying process so much easier 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!!! read more

**2nd update. After posting the update, since I hadn't heard anything back. I received a hostile text 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? read more

Jake was phenomenal to work with! He was so professional, knowledgeable, and accessible. He helped us seamlessly through the process, and we even closed ahead of schedule! I also so appreciate Optimum's offer to reduce our interest rate if the rates drop - that is such a great incentive to go with Optimum! read more

I worked with Ketch Gannon from Optimum First Mortgage. Ketch was an outstanding loan officer from the initial contact to the very end. We absolutely few he has our best interests in his service, and felt he went to battle for us. He pulled strings to get the best rate and kept us in the loop throughout the entire process, making our home loan a smooth and easy process. Thank you again! Absolutely recommend this phenominal loan officer and his team! read more

An Exceptional Loan Officer We cannot say enough great things about Montee Skorich with Optimum First Mortgage! We have had the pleasure of working with Montee for over 7 years, using him for home purchases and refinances, and he has consistently gone above and beyond every single time. Montee is incredibly knowledgeable, professional, responsive, and genuinely cares about his clients. He has always made what can be a stressful and complicated process feel smooth and manageable. Whenever we have a question, big or small, he is the first person we call because we know we can count on him to provide honest, knowledgeable advice. After working with him for so many years, we wouldn't trust anyone else with our lending needs. Montee has earned our business and our trust time and time again, and we would recommend him without hesitation to anyone looking for an exceptional loan officer. Thank you, Montee, for always taking such great care of us! We truly appreciate everything you have done for our family over the years. The Cunningham's read more

The loan officer who assisted me in obtaining my mortgage did an adequate job. Not great, not bad, adequate. I was notified by Optimum several months after the mortgage was written, that they had failed to secure my identity and financial data, putting me at risk for credit fraud. Given the a voluminous amount of financial & identity data which mortgage processors require, its very disconcerting that Optimum did not take adequate precautions to ensure the security of my data. read more

This is my second refinance with Optimum and I am 100% satisfied with the no cost 15-year refi. Alfredo kept me on a watch list and when he was able to offer me the terms I wanted, he contacted me and we completed the transaction. He not only met my target, he exceeded it and I will definitely be back again when rates drop further. The loan processors were also great. They do not control the amount of documentation required as part of a standard loan package, but that would be my only gripe. Being 72 years old and a curmudgeon, I have to find something to complain about! read more

Super responsive. Professional. Knowledgeable. Very high level of expertise. Stayed in touch, even during waiting periods. Reassuring when I had concerns. I will work with Jorden again if/when I need mortgage help. read more

Erik Board understood from the beginning that we were well-qualified buyers that were going to shop around for the best rate, as this was not our first home purchase. Erik was willing to compete to provide the best rate, terms, and guaranteed on time closing. He provided a quick pre-approval letter that was needed to make a more competitive offer to the house sellers. He was transparent on budget and the money down that would provide the pricing. Following the home inspection and our intent to proceed with staying under contract, he provided the best loan estimate and fixed rate with no points from a pool of five different lenders that were all in competition for my business. Optimum First won out with a loan estimate that the other lenders couldn't beat. Everyone at Optimum First was very responsive, even at odd hours or weekends. We were moving from Virginia to Texas and with Optimum based out of California, the time zone difference played to our favor since we could email and contact them after work on the East coast and they would respond the same day with the three hour time zone difference. Make sure they lend in the state you are considering on buying. They are CA based and cover a lot of states, but I am not sure if they cover all of them. After we committed to using Optimum First as our lender, we generally had no issues with loan processing and providing necessary documentation or follow-up info for underwriting. However, one word of advice is I would recommend as soon as you know you want to stay under contract (likely after your home inspection) and proceed with the house you want to purchase, obtain your final, bound homeowners insurance policy with your preferred provider (not just a quote, the policy) as soon as possible. This will be needed with Optimum First for your clear to close letter and any buyer financing requirements stated in your contract. It will help make sure you close on time to make sure the policy is in place as soon as you can get when you commit to Optimum and go into underwriting. read more

Update: Last week both Ben and Nadia said it would expire in 30 days (did not mention this weeks before that) and last week was the end of 30 days. Now you're saying 60 days not 30. Meanwhile, in the past few weeks I've been told multiple versions of "let me check" "waiting on rate drop" "I'll send you a LE today"... then radio silence for days. I was told if rates drop she would try to give me a better deal plus some fees (to unlock). That promise didn't play out too well in my perspective. Clearer communication needs to be had and not keep clients hanging. Why tell me you'll send over some numbers then ignore me for days, then repeat that several times? The LO I worked with was extremely unresponsive after she pulled my credit. Kept me hanging for days and weeks saying rates will be better next week, in a few days etc. meanwhile other lenders I've been working with gave me a better rate every time rates improved in the past month. When I asked to switch to another LO, they had me wait a few more days just to have the same LO to reach out sending the exact same pricing offered a month ago when rates were ~ 0.5% higher and being super rude and passive aggressive when I sent her what I was offered today by another lender. read more

They are extremely careless with your data and dedicated inadequate resources toward protecting the data of their customers. My wife and I both received a notice dated August 5, 2026 confirming that our social security numbers, date of birth, passport number, driver's license number, and military ID numbers may have been involved in their data breach. I'm tired of irresponsible lenders, banks, credit reporting agencies, and even the U.S. government's Office of Personnel Management not protecting our personally identifiable information. All careless buttholes. We'll be watching for the class action and keeping track of our hours. read more

Thanks Alyssa for helping me with my mortgage refinancing! She's very helpful and quick to respond, would definitely recommend!

Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things around. 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. read more

After submitting all my financial documents, passing the credit check, and meeting every standard qualification, this company refused to issue a preapproval letter. The reason? They demanded a document from my employer projecting future income through 2029. Their message was clear: unless you can guarantee you'll have the same job and income for the next several years, you'll be denied. That's an absolute joke, no employer in the world can guarantee anyone's job for years into the future. By that logic, no one would ever qualify for a mortgage. I took the exact same documents to multiple other mortgage lenders, and every single one issued me a preapproval letter without hesitation. Not one flagged a missing "future income projection" as an issue. Save yourself the headache and go elsewhere. Plenty of reputable lenders will evaluate your application using standard criteria without inventing arbitrary, impossible requirements. It was a complete waste of time. The hit me with an impossible demand at the end. read more

Bad communication. Slow communication. Asked about their turn around time and was told to look at all the happy people on Yelp. Asked about if they had done mortgages in my area and was told to look at all the happy people on Yelp. Asked why it took them so long to get back to me and was told I wasn't a priority because they were doing things for real customers in the pipeline instead of inbound business. I do not feel valued nor important. Basically, when I asked them about their competencies and abilities they FAILED to communicate anything of substance. Oh, and I got a lower quote from another company who did answer all my questions. read more

Fast and easy. Jorden provided several options and listed pros and cons of each. Great customer service. Would use again. Thank you Jorden! read more

First off, I did close on my home (a day late) and the rate I received and what I was offered was relatively good. Also I acknowledge that there are parts of the process that are out of the control of the loan officers. These are not the reasons for the poor review. I worked with Angel Chavez and Marc Dorado and my process couldn't have been more frustrating. I was working on a tight timeline and was ensured that the process would be expedited. For over two weeks I waited for the appraisal. I understand that the appraisal is done by a third party company but what bothered me was the miscommunication and straight up lies from Angel and later Marc (his manager). After the appraisal was done, I asked Angel when would the report come in. He said tomorrow. Then I check tomorrow, he says end of day. I message him end of day, he says it should come after the weekend. I check in after the weekend, still nothing but he says it should be there today. Next day, same thing. He couldn't be honest and just say he didn't know. I requested expedited service and asked Angel I paid for it. He says yes, I paid for expedited. I call him later that day, he says there is no record that I paid and that this job wasn't available to be expedited. I ask him why he lied to me. He can't respond. For whatever reason he could never give me a straight answer and instead would always give me false hope. I would have much rather he just said he didn't know and would update me. Enter his manager, Marc. Same schtick, makes promises that the report will come in and that he will update me. In our first conversation he even said, the report will come in the next day. I said I didn't believe him and when the report still didn't come in the next day, I didn't even get a courtesy update. I hear nothing till I contact him. At one point, I'm extremely upset and Marc tries to calm me down by ensuring that even though the appraisal is taking a long time, closing is still far away and I shouldn't be so upset. It was truly insulting to try and use that logic on me since I had other contingency deadlines to meet and even though we did close, it still ended up closing a day later than expected. So yes, it all worked out in the end. I closed on my home and am living there now, but the experience working with Optimum was unacceptable. It must be in their training to keep making promises since they both did it. I couldn't believe it kept happening and the whole process was extremely frustrating. Again, I understand that a lot of what happened was out of their control. The appraisal company is the one who really dropped the ball. Still, the reason I got frustrated is because Angel and Marc never just said that they "didn't know" or "hopefully the appraisal will come in but it might not" or something to that effect. Instead they overpromised and then underdelivered and then neither would give me the courtesy of an update until I asked. I don't think they misled me on purpose but rather gave assurances they couldn't keep. Every time it happened, I got more and more flustered and that's why I had such a frustrating experience. read more

I do not recommend this lender. Throughout the process, communication was poor and expectations were not clearly set. They did not provide an itemized list of required documents upfront, which led to confusion and delays. There was also no clear or reliable timeline. Our closing was extended, which resulted in us having to pay for a rate lock extension. Despite this delay, we were only given one day's notice before the scheduled closing. On the day of closing, the documents were not ready and contained errors, preventing us from signing as planned. Overall, this experience was frustrating and unnecessarily stressful due to a lack of organization and communication. read more

First, I want to be very clear that Jenny Montoya, Loan Officer, is the ONLY person I worked with at Optimum who demonstrated consistent knowledge, professionalism, and strong customer service. Jenny Montoya deserves FIVE STARS, and Jenny Montoya only. After going under contract on a home, I shopped rates on Bankrate.com because this was the biggest purchase of my life and I wanted to be sure I was getting the best possible deal. Optimum had by far the best rates on the market, almost shockingly lower than competitors. My experience initially started out great. I entered my information on Bankrate and immediately received a call from Jenny at Optimum. She walked me through the application process and helped me compare rates with what my original lender had provided. Jenny was able to get my Initial Disclosure turned around quickly, and the numbers looked excellent. Based on this, I decided to move forward with Optimum. After approval, I was contacted by Julie Sengsouvanthong, a Processor at Optimum. My original closing date was scheduled for 01/02/26, and Julie suggested moving the closing up to before Christmas. After discussing this with my realtor and fiancé, we agreed it was a great idea and selected a closing date of 12/24/25. I then secured homeowners insurance and had completed all due diligence on my end by 12/16/25. Julie's next responsibility was to provide the Closing Disclosure, which is required three business days prior to closing. However, there was an issue on Julie's end regarding how to apply the seller credits, which exceeded closing costs. It is important to note that I was already under contract when I contacted Optimum, so Julie was aware of the seller credits from the beginning. Because she was unsure how to apply the excess credits, the Closing Disclosure was not issued in time. On Monday, 12/22/25, my realtor informed me that due to Optimum's mistake, we would no longer be closing on 12/24/25. Julie did not notify me of this. I had to email her myself to confirm. She did not take responsibility for the issue and never proactively reached out to explain the situation. That evening, I contacted Jenny to express my frustration, especially since moving the closing date earlier had been Julie's suggestion. Once again, Jenny stepped in, listened to my concerns, and coordinated with Julie's team to make the 12/24/25 closing happen. Jenny truly saved the day. On Tuesday, 12/23/25, I finally received the Closing Disclosure and wired my funds to the title company so they would be received in time for a 9:00 a.m. closing on 12/24/25. Later that afternoon, after I had already wired the funds, I received a call from the Processing Manager, Jack, who told me that Optimum was closed on 12/24/25 and that they would not be able to close my loan that day. As you can imagine, I was completely shocked. I had already wired funds and had a confirmed closing appointment with the title company. After forwarding Jack the emails showing that Julie had confirmed a 12/24/25 closing, he assured me that someone would be available to close the loan on that date. By this point, I was exhausted from the constant back and forth. I went into closing on 12/24/25 unsure whether Optimum would actually come through. It was not until the very last moment that I felt confident the loan would close. Overall, it felt like I had to do a significant amount of hand-holding throughout the process, which is not how a first-time homebuyer expects such an important experience to go. While Optimum ultimately saved me money with an excellent interest rate, it came at the cost of an incredibly stressful and frustrating process. In the future, I would be extremely hesitant to work with anyone at Optimum other than Jenny Montoya. She was truly the saving grace in this entire situation. Even my fiancé, who is normally very laid-back, was pulling his hair out. Thank God for Lexapro and Jenny Montoya. read more

​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics ​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. read more

Did my refinance with them and it was amazing!! Robert and Amanda are great, thank you for making it so easy and smooth and getting me an amazing rate!! read more

Jorden Radcliffe has been amazing to work with. He is super responsive and very helpful for me as a new homeowner to understand the ins and outs of mortgage. I compared rates with several others and Optimum First consistently had the lowest rates around. I will continue to work with Jorden as long as I can! read more

From start to finish, David from Optimum Mortgage made the mortgage process incredibly smooth and straightforward. For me, it felt as simple as opening a bank account. He worked diligently to secure excellent rates, provided valuable lender credits, and ensured everything was completed on time. His professionalism, responsiveness, and commitment to delivering results made the entire experience stress-free. I would highly recommend David to anyone looking for a reliable and knowledgeable mortgage professional. read more

My wife and I just refinanced our house in Anaheim Hills with the help of Jarrett Beach and Melissa Zucca. They made the whole refi process so easy and transparent. I was able to effectively plan out costs and even reduce our principal balance because Jarrett took the time to (1) answer my questions, (2) explain the refi process, and (3) breakdown where various estimated amounts were coming from. He talked through options so that we got the refi that we wanted without surprises. Our initial mortgage and home-buying process with another company was not great and left me and my wife unhappy with hidden costs. This did NOT happen with Jarrett and Melissa. We are so happy with outcome and will be coming to Jarrett and Melissa in the future if/when we need to refi or buy again. read more

I had the pleasure of working with Optimum via Jacob Benavides, and he is the main reason I stayed with Optimum instead of choosing another lender. My wife and I had plenty of options, but the level of care, communication, and consistency he brought to the table made Optimum feel like the right place for us. Most of my direct interaction was with Jacob, but every part of the process with Optimum supported the work he was doing. When things slowed down on the outside, Jacob stepped in and pushed things forward. When details needed attention, he made sure they were handled correctly. It was clear that he cared about getting us into our home and about representing Optimum well. What I appreciated most was his dependability. He checked in regularly and made sure we understood what needed to happen next. He took the time to explain everything clearly and never made us feel like a burden. Through every high-pressure moment, he stayed calm and professional, and that gave us a lot of confidence during a stressful process. Optimum should be proud to have someone like Jacob on their team. His work speaks well of the company and reflects a culture that values honest communication and real support for its clients. We are grateful for the experience we had and would gladly work with Optimum again. read more

Optimum is the best! They work quickly, efficiently, professionally. Great use of tech, making the transaction easy. Especially Tiffani Buck, she's great! read more

Five stars is simply not enough for Cody Deniz. He handled our refinance and was absolutely amazing with everything from start to finish and got us closed in a remarkably short time. If you need a lender who is competent, kind, and delivers incredible speed, look no further. We will absolutely be recommending him to all our friends and family! read more

We did a refinance with Lee and Aaron and it was such a smooth process. They were both very accessible and answered all of our questions. Not to mention they beat every other quoted rate we got. I would highly recommend. read more

disorganized, unresponsive, and ultimately a waste of time, money, and energy: I worked with Alfredo Rivas at Optimum First Mortgage to refinance one of my properties. The process started off very promising -- Alfredo said he had locked in a zero-cost loan for me, except for a few points I had agreed to pay. However, after that initial conversation, things quickly became frustrating. Nothing moved for two weeks. Then he ordered the appraisal and sent a cost estimate -- but several unexpected charges appeared. I reminded him that this was supposed to be a zero-cost loan (with me paying extra only to maintain 80% LTV). He hesitated but later said he would honor the original commitment after "talking to his manager." Next came issues with home insurance documentation. His assistant requested an unusual format for proof of insurance -- something I'd never encountered despite refinancing multiple times in the past. I contacted several well-known insurance companies and agents, and none had heard of such a requirement. After weeks of back-and-forth, I finally found a company willing to create a special letter as requested -- and I had to pay extra for it. Still, I agreed just to move forward, since I'd already paid for the appraisal. I was then told everything was ready and I'd soon receive the closing documents. A week passed with no update. When I followed up, Alfredo said the lender needed additional paperwork for insurance, which he had just submitted. That was four weeks into the process. Another week went by with no communication. After multiple follow-ups and no response, I finally told him -- six weeks after starting -- to cancel my application. He called saying I "deserved a call" and agreed to close it. But even after I sent an email requesting official confirmation and for my documents to be destroyed, nothing happened. Two weeks later, when I checked, my application was still active. Only after I submitted feedback through their website did another loan officer respond and finally cancel it. This was my first time using an online refinance company based purely on positive reviews -- but after this experience, I can't trust those reviews anymore. The process was disorganized, unresponsive, and ultimately a waste of time, money, and energy. read more

It was such an awesome experience to work with Magan Moore as my Senior Loan Officer for my new home :D ! Even before I truly started working with her, she was already very proactive and communicated very well with me regarding the loan approval process, and she provided me with loan estimates right away based on both a 20% and a 25% down payment :D ! I was REALLY impressed with how quickly she responded and with such high quality customer service, even before I made a decision to choose Optimum First Mortgage as my lender and to work with her as my Senior Loan Officer :) ! Cardinal Financial and Cadence Lending are the preferred lenders for my home builder, Palo Verde Homes, in El Paso. But I really wasn't as impressed with the loan officers from either of those lenders :( . They took such a long time to get back to me, if they even got back to me at all. Optimum also had extremely competitive rates, which were really attractive :D ! So that was also a huge PLUS :D ! Even though Optimum First Mortgage was not a preferred lender for my builder, and Optimum is based in Orange County, I decided to go with Optimum because Magan REALLY impressed me with her exceptional customer service :) ! She was SO much more attentive compared to the loan officers I had talked to from the preferred lenders (Cardinal Financial and Cadence Lending), who really did not do much and took their time to follow up on tasks and matters that really could have been done the same day. Magan from Optimum First Mortgage really shined above them :D !! It was my first time using Optimum as my mortgage lender. But because of her, I decided to give Optimum a try, and I am REALLY grateful that I did :D !! Magan really streamlined and kept on top of an otherwise extremely daunting and overwhelming loan approval process! She kept me in the loop throughout the entire loan approval process, including promptly calling me right away to inform me about my appraisal report, when my loan was officially funded, and also calling me on the day of closing last Friday to make sure that everything went well :) ! I was SO impressed :D !! She really followed through on EVERYTHING from the very beginning to the very end :) !! If I purchase another home in the future, I would DEFINITELY love to work with Magan Moore in the future for my loan :D !! She is extremely knowledgeable, always on top of everything, and she really strives to go well above and beyond for her clients :D !! If you work with her, you will be in such good hands because she REALLY takes great care of her clients :) !! She also has such a great team :D !! I also really enjoyed working with her assistants, Laura Rosen and Shae Richardson, who are also really awesome to work with, really make you feel comfortable, and assure you that everything will be ok :) ! Thanks SO MUCH for everything you do, Magan :D !! And thank you SO MUCH, Laura and Shae :D !! All of you are the BEST :D !! read more

I honestly can't say enough good things about Optimum First and my loan officer Kelly. She has been by my side through multiple homes and loans over the years, and every single time she has worked tirelessly to make sure I was taken care of. Because of her dedication and expertise, she has saved me thousands of dollars every month and literally hundreds of thousands of dollars over the years. What makes Kelly so special isn't just her knowledge of mortgages -- it's the way she truly cares. She treats you like family, always looking out for your best interests and making the process as smooth and stress-free as possible. I've always felt like I was her top priority, and that kind of trust is priceless. Thanks to Kelly and Optimum, I've been able to achieve financial peace of mind and move into homes that I love without the constant worry of overwhelming payments. I am so grateful for her and would recommend her wholeheartedly to anyone looking for someone who will go above and beyond. read more

Danyelle our senior mortgage broker was amazing to work with, she is very knowledgeable, fast to respond and honestly the best we've worked with. I would highly recommend Danyelle's services and Optimum First for all your needs. We wouldnt hesitate to use her again!! read more

My experience with Optimum was amazing, your mileage may vary depending on who you work / worked with. Specifically for me I worked directly with the LO Vanessa Cisneros and couldn't have asked for a better LO during my time sensitive closing. Long story short, I effectively switched to Optimum about a week into contract. Vanessa reached out to me with a very competitive rate and ensured this rate was not with any point buy downs as I didn't want to do that at all. Outside of that my other main concern along with my realtors was how fast they can close. Vanessa and the president of Optimum reached out to myself and my realtor ensuring that they could deliver and close on time if not sooner. Low and behold we closed actually a lot sooner than we anticipated without any hiccups along with me saving money on my closing costs. I can't vouch for any other LO's within that organization but working with the LO Vanessa Cisnero was an excellent experience. I never felt like a bother to her even though I had a thousand questions, she always answered my texts / phone calls promptly and addressed my concerns. My hand was literally held throughout this whole process. Having a great realtor played a large factor in this as well, as my realtor kept consistent communication between both me and the LO. Overall I can recommend Vanessa @ Optimum First Mortgage enough. read more

Getting a mortgage with Optimum with the help of Jon Cave was a great experience! He was very patient and thorough whenever there were questions. Had a few hiccups with the builder and negotiations, and Jon was there to explain to us the options with full transparency. Going to miss the long calls with him on the phone - and the cherry on top: Optimum offers great rates! Would not think twice before using them again. read more

Spoke with many lenders and even got super close to closing with Mr Cooper before they suddenly decided they needed 20% down (a week before closing) - Erik with Optimum swooped in and saved the day. Got me a better interest rate and got the deal done only two weeks after our initial planned closing date. Erik was amazing! Chatted with me via text and alleviated a lot of my concerns off hours. Will definitely recommend them to close friends and family - and plan to refinance with them when the time is right. read more

I had the pleasure of working with Jon Cave on completing my refinance, he did an incredible job & delivered for what was not an easy loan. For what it's worth, it's refreshing to find someone who actually takes the time to set (and deliver) on expectations. Jon held my hand throughout and took the time to answer all of my questions (even the ones I thought were silly or dumb potentially lol). Never once did Jon make me feel like I was bothering him and if anything, he over-communicated on my behalf to ensure I understood the steps to getting my loan done. I would 100% recommend Jon & Optimum First to anyone! Great work Jon :) Alice M. - Ohio read more

This review is quite belated, as it unfortunately slipped through my consciousness for a few months; however, I would be remiss if I didn't express my profound gratitude for the help and guidance that Annie provided throughout a rather challenging loan process and close. To no fault of Annie's, I must have hit every roadblock conceivable in what should have been a rather smooth closing, but Annie was there, literally night and day (including one day when she was boarding a plane in Detroit), to keep me from throwing in the towel. Because of her kind and calm demeanor, because of her advocacy to help me with a rigorous underwriting process, and because she was so willing to look at all options with me, I now have my little dream residence near the ocean in San Diego. As a final plug, I have worked with numerous loan officers through a variety of transactions, and Annie was the best in my experience...you won't go wrong working with her. Although I would like to say that it is the mortgage company that makes the difference in a selection, it is definitely the people that work there that make or break the experience, and because Optimum is a reflection of Annie's work and customer service, it is because of that that I rate Optimum as excellent. Thank you, Annie, and wishing you all the best in your next chapter of life! If our paths cross again during my refi process, it would be a pleasure. Take care. read more

I'm a real estate agent in WA and my client used Erik Lopez. Working with Erik was great, he was always responsive and he laid out a clear plan and was always ready to pivot when the houses changed. read more

I had been working with another broker for a while but they were unable to refinance my rental property. I found Optimum First Mortgage and worked with Tiffani, and she solved my problems. She was able to get me a great rate, and the entire process was smooth and stress-free. I highly recommend with Optimum First Mortgage, especially if you get to work with Tiffani. read more

The process was smooth as butter. Jonathan ran point from beginning to end, with constant updates along the way. I never had to reach out or double-check anything, He proactively notified me of everything that was coming. Zero surprises, and a quick process to close. I should also mention a great rate, and zero closing costs. This was a no-brainer. Optimum will be my first call for any future mortgage needs, and I'll send any friends and family your way as well. read more