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    Sandra Culjak

    5.0 (2 reviews)
    Closed 7:00 am - 9:00 pm

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    Services - Sandra Culjak

    Mortgage services

    Mortgage refinancing

    Home purchase

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    1 year ago

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    1 year ago

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    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (716 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.

    ​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​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 ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices.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.

    Navy Federal Credit Union

    Navy Federal Credit Union

    (94 reviews)

    Total bait and switch when working on my home loan. What a waist of my time and a hard inquiry Navy…read moreclaims they can match rates but in their loan estimate it turned out that I'm buying down points in order for them to match the competitor. So ridiculous! I would have really appreciated the Squad Member letting me know that before I agreed to her running my credit.

    I visited today to make a deposit and to gather some information about opening a business account…read more I was greeted by a gentleman who was polite. When I asked to speak with someone who could advise me on opening a business account, he informed me that it could only be done online. I mentioned that I still had a few basic questions, but he again stated it was all handled online. While I was in line to make my deposit, he handed me a business card. At that point, I started to feel a bit discouraged I had hoped someone there might be knowledgeable and willing to help. When I approached the representative to make my deposit, I decided to ask her my questions, and I'm so glad I did. Celeste was incredibly helpful better than I could've hoped for. She answered my questions without hesitation and didn't make me feel like a bother. What made the experience even better was that she spoke Spanish, which is my native language. It made me feel even more comfortable and understood. I truly appreciate Celeste's assistance. She's not only a kind young lady, but also efficient, helpful, approachable, and understanding. She made me feel at ease and welcomed. Thank you, Celeste, for all your help you are truly spectacular!

    Sandra Culjak - financialadvising - Updated May 2026

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