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    Premier Lending

    5.0 (1 review)
    Closed 10:00 am - 4:00 pm

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    Mortgage services

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    2 years ago

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    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (720 reviews)

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

    First off, I did close on my home (a day late) and the rate I received and what I was offered was…read morerelatively 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.

    Premier Lending - mortgagelenders - Updated July 2026

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