5.0 of 5starsRead Reviews
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!
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:
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.
Closed with Lender:
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:
Loan officer directory
Lee WapatoFountain Valley, CA
Matt MalmbergFountain Valley, CA
John SmithFountain Valley, CA
Robert DrenkFountain Valley, CA
Peter DiferdinandFountain Valley, CA
Timothy WilliamsFountain Valley, CA
Daniel RhombergCaldwell, ID
Jonathan CaveFountain Valley, CA
Tiffani BuckFountain Valley, CA
Alfredo RivasFountain Valley, CA
Daniel DenizFountain Valley, CA
Montee SkorichFountain Valley, CA