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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 ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices.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.

    Namy

    Namy

    (21 reviews)

    Kelvin Thai, David Bui, and the rest of the Namy team, are the epitome of care and professionalism…read more My wife and her mom had the unfortunate task of handling the final affairs of a beloved family member. Kelvin and David showed empathy and patience while guiding our family through each step of the process. They answered all questions clearly and the communication was consistent and effective. We are very grateful for their assistance during a difficult time. We are looking forward to continuing to work with the good people at Namy Inc. as they assist our family with purchasing a home. I would highly recommend this dedicated company to anyone looking to buy or sell a home. Thank you for everything!

    My family and I just closed on our home, and we are extremely satisfied with the service provided…read moreby Namy. Throughout the entire process, Ngoc and Kelvin were incredibly supportive, knowledgeable, and professional. * They explained everything clearly and guided us step-by-step * Always followed up on paperwork and helped us solve issues quickly * Patiently answered all of our questions, even the small ones * Recommended the best loan options that fit our financial situation * Honest, reliable, and truly cared about our best interests Thanks to their dedication, a normally stressful home-buying process became much smoother and worry-free for us. We are very grateful for all their hard work. I highly recommend Namy, especially Ngoc and Kelvin, to anyone looking to buy a home. You will be in very good hands!

    Linh Viet Vang - 24/7 Mortgage

    Linh Viet Vang - 24/7 Mortgage

    (172 reviews)

    We first met Linh on 01/31/2026, the same day we walked into the open house of the home we totally…read more"love at first sight". That day, we already knew we were going to submit an offer. Things moved incredibly fast. On 3/3/2026, we officially closed on the house we made the offer on. The whole journey took less than a month!!! Linh helped us a ton!!!! He helped collect documents, coordinated with the lender, gave us honest opinions about the house/ the location & patiently explained every question we had. He even helped structure our offer so it looked almost like a cash offer, which helped us beat out 17 other offers on the home! My husband is American, very introverted, and extremely busy. Linh was always super patient, he'd wait until my husband got off work before hopping on a call with us. Sometimes we even ended up talking late at night. Communication was never an issue because Linh's English is excellent. Linh is fun, straightforward & incredibly professional. Anyone going through the home-buying journey should have a Linh!!! It truly makes the whole process so much easier! Thank you, anh Linh!

    I had a great experience working with Linh on refinancing my home. He clearly explained everything…read moreI needed to know and made the entire process easy to understand. He is very friendly, professional, and knowledgeable in his field. What I really appreciate is that even after completing all the documents, he continued to support me by helping transition to a new company to secure a better interest rate. That shows real dedication and care for his clients. Overall, I'm very satisfied with his service and would highly recommend him to anyone looking to refinance their home.

    The Loan Exchange - Helping families buy their dream homes.

    The Loan Exchange

    (16 reviews)

    I purchased my home in Irvine, CA at an interest rate of 6% in October 2022. Everyone knows that…read morerates increased to between 6.8% and 7.5% from 2023 to 2024. The Federal Reserve cut the rate by 0.5 percentage points on September 18, 2024. My friend informed me that the refinance rate dropped below 6%. I began searching for a new deal to refinance my primary home and submitted some requests with my property and personal information online. At the end of September, Hugo at the Loan Exchange texted me about a great deal. He mentioned that since my credit score was over 800, I qualified for a 5.625% APR with free refinance (0 points, $0 lender fees, and $0 third-party fees). That's exactly what I wanted. The refinance process went smoothly, and my loan was finally funded. If rates continue to decline in 2025 and 2026, I will definitely contact Hugo to arrange another free refinance. I highly recommend Hugo as a capable and professional loan officer.

    I recently just refinanced my mortgage with Loan Exchange. I…read moreworked with Daniel Chau. I am a 34 years Real Estate as well as 10 years as a loan processor. My expectations are set very high with my experience and how I managed my files. When I first spoke with Daniel I let him know that I normally work with a person that I have had many wonderful experiences with. I was very concerned about trying someone new. Daniel asked me to give him a try. I decided to and I am so happy I did. Daniel met every expectations that I had. He always answered my questions and took the time to explain different scenarios. He answered my emails and phone calls every time. Even know sometimes I would call or email him on the weekends. He was in the office or on his cell he was there for me. Since, I am in the business I tend to want to mico manage. I didn't have a do that with Daniel. I plan on doing a home equity loan with Daniel as well as another refinance. I highly recommend giving Daniel a try if you want a smooth transaction. Everything Daniel promised me to expect he delivered. I also would like to add that after the loan closed. I received a phone call from Angela from customer support to make sure my experience went well working with Loan Exchange. I appreciate the fact that they do a follow-up.

    Truc pham - mortgagelenders - Updated May 2026

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