NMLS# 240415

Optimum First Mortgage, Inc.

Lender Summary

Our sheer volume allows us to charge you LESS than our competition! Due to our large funding volume lenders extend us better pricing in which we turn around and pass on to you, the customer. Optimum First is #1 in price and #1 in customer service.  Optimum First Mortgage pledges our quote to be the lowest in the industry, there's no bait and switch here just low rates! Our loan officers are the best in the business with years of experience, knowledge and the expertise to get your loan funded fast. We pride ourselves on our commitment to deliver the highest level of customer service possible. Check out our Better Business Bureau A+ rating or read from our 1000+ customer reviews to see why we are the optimum choice for your next refinance. Plus, every refinance comes with our exclusive Lifetime Rate Protection!

What they're saying

Ratings & Reviews
12 Reviews
  • Interest Rates
    Excellent
  • Fees & Closing Costs
    Excellent
  • Responsiveness
    Excellent
  • Customer Service
    Excellent

Review Breakdown

  • 5 Star
    (12)
  • 4 Star
    (0)
  • 3 Star
    (0)
  • 2 Star
    (0)
  • 1 Star
    (0)

Do your self a favor with best interest rate with best customer service!!

I was recommended a local lender by my real estate agent but they weren't able to promise a satisfactory interest rate, I found Brandon through online research. He was very competent, knowledgeable, and accessible to make my transition smooth. I not only got the best interest rate, he was able to close ahead of time. I am very happy with his service and will recommend him to all my friends and family members.

  • Closed with Lender:

    Yes
  • Loan Type:

    Home Purchase
  • Review Type:

    Lender Review

Great experience!

Jonathan Cave and the team at Optimum First recently helped close a very difficult refi full of curveballs. To say that they “helped” close the loan is an understatement.

After rates dropped at the beginning of the year, I was curious and submitted an inquiry through Bankrate to find some options as my preferred lender in CA isn’t licensed in CO. Jonathan reached out, introduced himself and went over the details of the proposed refi. The rate and costs of the loan was the best out there at the time. Naturally, due to previous experience, I had my doubts with possible bait and switches of an offer so enticing. The pitch sounded almost too good to be true at times but once Jonathan went over every single aspect in detail with 100% transparency regarding how the process works, it was apparent the numbers were real. Feeling quite comfortable at that point, I decided we should move forward. We were very confident we would close the loan quickly and things would go smoothly.

Initially, the process moved quickly – so quickly in fact I thought we would be done in less than 14 days -- but we ran into some complex items that slowed us down. The complications were no fault of Optimum First but rather due to how my taxes are filed. It required extra work in dissecting and explaining to underwriting and the investor which took extra time. This was one of the most difficult lending approval experiences I’ve ever been through and there were times I just wanted to throw in the towel because there were so many things to cover. It’s a great thing Jonathan’s attitude and grit kept us going. We were able to push through it even though it seemed like we were headed toward a dead end. The odds seemed like they were stacked against us with tight ratios, the ridiculous guidelines that made zero sense, and the never ending hoops to jump through.
By the time we were done, Jonathan probably understood my taxes better than anyone besides my CPA and could probably do my taxes for me right now. That’s how in detail we needed to get in order to get the loan to the clear-to-close stage. That speaks volumes of how much time he and his team invested on one single loan.
Throughout the entire process, Jonathon was very good in communicating and keeping me in the loop even when he was on family leave. If there were updates or if underwriting needed additional docs, I would hear about them almost instantly. He was always available and on top of things!
In summary, I have all of the respect in the world for Jonathon and the team at Optimum First. Having been through this process over 10 times now, I can say they’ve earned it and I would not hesitate to HIGHLY recommend them or send them my future business. All of the positive reviews posted here and on Bankrate are genuine. After having the pleasure of working with Jonathan and Optimum First, I can see why they are rated so highly in an industry with so many options to choose from.
Thanks again!

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

Danyelle at Optimum First is the BEST!

This is the second time Danyelle helped me with a mortgage and, just like the first, she was excellent in every respect. For starters, she contacted me to let me know a lower rate was available. Then she handled every part of getting me a new loan quickly and efficiently. I absolutely recommend her!

  • Closed with Lender:

    Yes
  • Loan Type:

    Refinance
  • Review Type:

    Lender Review

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LendingTree Certification:

The LendingTree Certification Program recognizes Lenders and Loan Officers with outstanding performance on the LendingTree Network, they are committed to providing exceptional customer service and are graduates of LendingTree University.

LendingTree Certification:

  • Certified Lender
    Certified Lenders have demonstrated their organizational commitment to employee development, at least 50% of their loan professionals have been certified while also providing exemplary service to LendingTree consumers.

Loan Officer Certifications:

  • Gold Leaf
    Gold Leaf is the cornerstone of the loan officer certification program and is designed to recognize loan officers committed to their own professional development while adhering to LendingTree best practices. Gold Leaf recipients know the fundamentals of LendingTree and online lending, they are equipped with the necessary skills to be best-in-class loan professionals.
  • Certified President's Club
    President’s Club is presented to an elite group of loan officers based on success levels in several areas including adherence to LendingTree best practices, commitment to professional development and dedication to customer excellence. Recipients have also met all Gold Leaf criteria.

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