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November 2023 by Hatem Harraz
I tried Optimum First Mortgage in Aug. 2023 for a refinance of my condo for around 50% of its value. They charged me $650 for the Appraisal Report, even though it's not required when the lending amount is less than 60% of the property value. The refusal reason was very obvious to determine from the first screening (moved from W2 to 1099) even though I do have doubts about it. They promised to wave the charges since the appraisal report is useless and has been ordered before the initial approval. I don't recommend this company.
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November 2023 by Katrina Lo
Extremely happy with the service I got. At first I was suspicious of any lenders I got from google but this company is legit. I worked with Kim Rojas and she has been very communicative and responsive. She updates me frequently and replies back quickly when I had questions. She made sure I got to close on time with only less than 3 weeks. Their rate was very competitive and less than I got from other lenders and everything was explained to me and there were no hidden fees. Would highly recommend them. Thanks for helping me get my first home!
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October 2023 by Michael C
Was initially skeptical of getting a mortgage through an online company that I had never heard of. Other lenders were fabricating issues that people have had with Optimum First because they knew they couldn't beat their rates and customer service. They delivered on everything they promised. I got a rate 1% below average and closed early. Couldn't recommend them more highly.
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October 2023 by Nicole Huynh
So this review is interesting because we didn't move forward with Optimum First Mortgage, but were so impressed with the person we were working with that we still wanted to leave a stellar review. Rick from Optimum was super honest, kind, transparent, and a breath of fresh air to do business with. The only reason we didn't go with Optimum is because interest rates are so high right now so we just couldn't move forward. But Rick gets a 10/10 for being so great to us and we'll definitely be contact him in the future when we are ready to do business with them!
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September 2023 by Paul Romero
I vetted over a dozen companies and loan agents before deciding to work with Tim at Optimum. It was a great decision. He was willing to engage with me to meet my needs and transparent in all our interactions. Everything in the process was well explained and there were no surprises or unaccounted for actions. I'm looking forward to working with Tim and Optimum again in the future.
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September 2023 by Paul Wang
Very professional mortgage officer, highly communicative and attentive. Mentioned that seller wanted a fast close, the officer, Jeremy, said it would be no issue. We were pretty much ready to fund within 2 weeks, far ahead of anyone else being ready for this home purchase. Closing was super smooth, title company received money quickly. Super highly recommend!
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September 2023 by Graham S
Megan was great to work with from start to finish. She was able to beat every other rate I received from other lenders and at a lower fee. She was also very responsive to calls, texts, and emails. Very smooth process throughout the home purchase cycle.
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September 2023 by Ryan Schauland
Alfredo at Optimum First was extremely professional and attentive, and stuck by us even when we had to get pre-qualified multiple times due to not knowing when we actually bid on a home. Their rates are extremely competitive, but you don't sacrifice in professionalism or customer service. I highly recommend Alfredo and his team for your mortgage needs in the future.
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August 2023 by Venkat P
Its been an awesome journey with Optimum Mortgage right from the beginning. Erin Long is so knowledgeable and very thorough in explaining everything. She is very responsive and really quick in addressing issues. She is very organized and her knowledge helped us a lot in closing on time! I would highly recommend Optimum Mortgage and Erin to my friends. Thanks a lot for the exceptional service :-)
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August 2023 by Parth Patel
Jeff was very helpful when it came to refinancing our home. I was speaking with him for a few months regarding interest rates and he was very patient with us. Once we decided to go through with the refinance, he was very solution driven to overcoming any obstacles that we faced during the whole process. Definitely the best experience I’ve had with a loan officer. Will definitely recommend to friends and family!
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July 2023 by Catalin Ratiu
Had a fantastic experience working with Tim on my refinance. His communication is above all expectations: proactive, complete, quick. I was guided through the whole process competently by Tim and we were able to close very quickly. Tim is a professional who knows his craft. Look forward to working with him again when the rates come down. Thank you!
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July 2023 by Lance McQue
My recent refinance was handled by Optimum. It was as quick, as easy and simple as it could be. I'm so happy with the results! Kelly Schaar called me from the start and stayed with me throughout the whole process. After talking with me and asking what I wanted, she knew exactly what was needed and how to get all the paperwork. She answered all my questions and addressed all my concerns with clear and concise answers. She actually answered my questions so I understand it. She didn't use banker's jargon or stuff like that. She walked me through the whole process so I knew exactly what was happening and what to expect. She was always available via email, phone, or text. She went above and beyond what anyone would do. The service she provided was top notched! I can't really thank her enough. For example, she worked the weekend to try to speed things up and get me to closing faster. Initially, I went with Optimum because of they had the best rate but I stayed with them because of Kelly and I'll be back if I ever need to refinance or need a mortgage. I would definitely recommend them to anyone who needs a mortgage/refinance.
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July 2023 by Jerry Fleetwood
Britney and her team are rockstars! They handled my complex financial situation with ease!Britney and her team did everything they said they would do from the beginning and outperformed other mortgage companies I have used in the past!There is a reason they have so many 5 star reviews and I will definitely be using them again!I highly recommend giving them a shot!When other mortgage companies say no, Optimum First Mortgage says yes!
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July 2023 by Camilla Baity
We went with Lee Glen at Optimum First Mortgage after becoming dissatisfied with the terms/interactions we were having with our initial mortgage/loan company, and we're really glad that we switched! Lee was very responsive, knowledgeable, honest, and overall made the process of securing a first time home loan as painless as possible. It was great to work with him and his team. We definitely recommend using Optimum for your home loan needs.
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July 2023 by Arun Goel
My loan officer, Tim Williams was very prompt and responsive to all my questions and made the whole loan refinance extremely smooth. He is very detail oriented and helped me at every step. His emails were very clear, descriptive and he was available on phone whenever I wanted to talk.The loan application process was quite straightforward in the client portal. I would give more than 5 stars to Tim. I definitely recommend Tim Williams and his company optimum first. The rates they offered were best in the industry. No need to look elsewhere. I will keep coming back to Tim/Optimum First for all my future loan needs.Again, thank you Tim Williams! You rock!