Peter is an excellent loan officer. He went above and beyond to help us secure our loan in a timely…read moremanner. He was very transparent and honest about the loan terms, costs, and requirements, and he clearly explained all of the available loan options so we could choose the one that best fit our situation. Peter was always willing to go the extra mile, even working evenings and weekends when necessary to keep everything moving smoothly. His professionalism, responsiveness, and dedication made the entire loan process much easier and less stressful. I would definitely work with Peter again in the future and highly recommend him to anyone looking for a knowledgeable, honest, and dependable loan officer.

Peter was so diligent and patient with guiding me through the loan process. He made a complicated…read moreprocess smooth and quick. We really appreciate his help and would highly recommend to anyone

An Exceptional Loan Officer…read more 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

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

We are so grateful for Kenneth and Thai who helped us to secure a mortgage for our parents! They…read morewere able to help us secure the loan despite some roadblocks with our unique situation. They were efficient, extremely responsive, and got us a great rate! Highly recommend their service!

Excellent service!!! Extremely knowledgeable, experienced, and trustworthy! Highly Recommended.read more

I'm buying a house they said they got me the loan. I paid them after I paid them. No answer. I'm…read moretaking them to the court.

Michael and his team are very professional and knowledgeable. They were patient with me as this was…read moremy first purchase but I felt they were honest and held my hand through the process so that made me comfortable. I'll be recommending them to anyone in need. Thank you.

I had such a wonderful experience working with Jessie Nguyen! She is incredibly caring, patient,…read moreand dedicated throughout the entire loan process. Jessie was always there to answer my questions, explain everything clearly, and make sure I understood every step. What I appreciated most was how thoughtful and attentive she was. She genuinely cared about helping us and always went above and beyond to make the process as smooth and stress-free as possible. If you're looking for a lender who is trustworthy, responsive, professional, and truly cares about her clients, I highly recommend Jessie Nguyen. We are so grateful for all of her help and support!

I had a great experience working with Jessie on my 2nd lien cash-out loan. I needed access to the…read moreequity in my home but didn't want to refinance my existing first mortgage and lose my current low rate. Jessie explained the options clearly and helped me find a solution that allowed me to keep my first mortgage while taking cash out through a second lien. The process was smooth, communication was excellent, and Jessie and her team kept me updated throughout the entire loan. Everything was handled professionally and efficiently. Highly recommend Jessie if you're looking for a knowledgeable mortgage advisor who can offer solutions beyond a traditional refinance!

Check your quarter rolls. I've been noticing nickels and dimes in my quarter rolls EVERY time I get…read morequarters. I had the teller open up $60 in quarter rolls that I asked for and sure enough - a nickel. Not sure what machine they're using but at the end of the day - this branch has been nickel and dime'n me.

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!

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

OC Mortgage Solution definitely deserves 5 stars, and I can honestly say that every 5-star review…read morehere is true. I normally don't write reviews on Yelp, but I really wanted to take the time to write this one because I hope it can help someone who is looking for a mortgage team they can truly trust and have a wonderful experience with, just like I did! Pam and Tai are beyond amazing. Purchasing a home is one of the biggest and most important decisions in life, and working with them made the entire process so much easier and less stressful for me. They were always on top of everything, kept me updated, and were always there whenever I had questions. Pam even answered my calls at night when I needed help. That really showed me how much they genuinely care about their clients. I never felt like I was bothering them or had to figure things out on my own. No matter what came up, I always felt like they had everything under control. Buying a house can be overwhelming, especially when there are so many things you don't understand about the process. But with Pam and Tai, I always felt safe and confident that I was in good hands. They were patient, responsive, knowledgeable, and truly went above and beyond for me. I'm so grateful that I found them and had them by my side throughout my home-buying journey. I honestly don't think I could have asked for a better team. If you're looking for a mortgage team you can trust, I highly recommend Pam and Tai. You won't regret working with them! Thank you so much, Pam and Tai, for everything you did for me!

Steve was amazing through the entire process and we could not recommend him more highly. His…read morecommunication, follow up and transparency throughout the entire process were tremendous.

Absolutely amazing! Very communitave and answered all of my questions in a timely manner and got me…read morea beautiful rate on my home. Would absolutely recommend Steven

Had the absolute BEST experience with the best lender!…read more I'm not new to real estate and have had the opportunity to work with several lenders who are great at what they do, but she truly exceeded every expectation. From start to finish, she was knowledgeable, responsive, professional, and made the entire process seamless. I will HIGHLY recommend her to anyone and everyone I know! If you're looking for a lender who genuinely goes above and beyond, she's the one! Thank you so much Mai! Sincerely, Edward and Debbie

Mai Thank you so very much for all your help always!…read moreI am recommending her to everyone she is always helpful,nice, on time and very friendly and professional!

Terry at Loan Factory was referred to me by a trusted friend when I began looking for homes. As a…read morefirst time homebuyer, I had no clue where to begin or even what steps were needed to make my dream of being a homeowner happen. Fortunately, Terry was there to guide me through the entire way. He is communicative, responsive, and transparent. What I appreciated the most was his drive to help me close on a home. As a matter of fact, it was because of Terry that I was able to close 2 days earlier than anticipated, and with that, become a first time homeowner--might I add in Orange County too. I wouldn't have been able to do it without him! I highly recommend working with Terry whether you are looking for your first home or your next one. He will make it happen!

Working with Terry Huy Nguyen was such a great experience! He was always available to answer my…read morequestions and took the time to explain every step of the mortgage process in a way that made sense. Terry worked hard to find the best rates and terms for me, and I really appreciated his honesty and clear communication throughout. He made what could have been a stressful process feel so much easier. If you're looking for someone who's friendly, knowledgeable, and truly cares about helping you, Terry is the one to call!