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James Kott

Senior Loan Officer

(949) 506-3055
(800) 631-7909
(714) 404-7817
Email Me
8900 Warner Avenue
Fountain Valley, CA 92708

In my 20+ years as a mortgage professional I have always put the needs and satisfaction of our clients first. This is a pledge that I make to you as a potential client of Optimum First Mortgage. We strive to build relationships that last for years as we want to be your lender of choice for life. 

The reality is that your mortgage is probably the largest and most important financial decision that you will ever make. I do not take this fact lightly so I make myself available to our clients 24 hours a day 7 days a week to address any needs or concerns that may arise. 

I am one of the founding members of Optimum First Mortgage. I have the experience and knowledge to assist you through the process seamlessly and promptly. My staff and I will do whatever is necessary to exceed your expectations. 

I am a top loan originator for Optimum First Mortgage and have been with the company since its inception. I have always taken pride in doing business the right way; closing loans fast and at the exact terms the consumer signed up for. As a direct result of doing business the right way I have received multiple awards and have built long term client relationships. I take great pride in receiving high recommendations from past clients as they now account for a huge portion of my business. 

Whether purchasing or refinancing we specialize in low to no cost--Conventional--FHA--VA and Reverse Mortgage loans. Our strength in both the broker and direct lending arena produces large incentives from our lenders. Our unique Lifetime Rate Protection Guarantee allows our clients to reduce their interest rate over the life of their loan FREE of CHARGE.

 Please Email Me For A Quote