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John Smith

Senior Loan Officer

(714) 988-4832
(949) 748-5221
(714) 743-5792
Email Me
8900 Warner Avenue
Fountain Valley, CA 92708

I have had my CA Real Estate license since 2003 and my National Mortgage License System (NMLS) Federal and State licenses since 2010.  I’ve worked at a handful of mortgage companies in my early years as a Loan Officer and I must say I feel blessed to have landed at Optimum First Mortgage. It has a superior business model that suits my personality best with it's focus on transparency, offering the lowest rates and providing excellent service. As a Loan Officer I find great fulfillment in helping others improve their financial position through home purchase and refinancing. I believe in getting the lowest rate I can for my client and Optimum First supports me in this.

Many of us like to know who we’re working with so here’s a short bio. I am a hard working, well disciplined and trustworthy US Navy veteran that held “Top Secret” security clearance and CA life/health and property/casualty insurance licenses over my career.  I’ve trained and taught martial arts for over 30+ years, hold Chairman of the Board position for my Church 15+ years, enjoy being a contemporary music leader at my church and I love spending quality time with family and friends. I have a lovely wife of 36 years and have two great sons. Through an Asian Studies major at University of Michigan I speak Japanese fluently. I met the love of my life singing “Yesterday” at a Shakey’s Pizza Parlor in Yokohama Japan while serving in the US Navy. I enjoy getting reactions from people by introducing us as “John & Yoko”, or “Captain John Smith & Pocahontas”. 

With a wide range of loan options including Conventional, Jumbo, VA, FHA, Reverse and Hard Money mortgages Optimum First is well equipped to fulfill our client’s needs. In order to facilitate this we are a direct lender and broker with many banks.  We want you to be a client long term and are the pioneers of the “Lifetime Rate Protection Guarantee”, which offers our clients a FREE reduction in interest rate or loan term. This means nothing is added to your loan amount by having absolutely ZERO LOAN FEES. This is how most of our client base prefers to structure their mortgage loans.

Please Email Me For A Quote  


“Dear John, I wanted to send this note to thank you and everyone at Optimum First for your work on my recent refinance. The results surpassed my expectations and you made the process relatively painless; as painless as a mortgage application can be anyway. I have already recommended you to one of my co-workers. I may call you again next year as my planning for a small addition to my house takes shape. At the moment, that’s a longer term goal. Best regards and thank you again for your work on this refinance." Jay W., Lawndale, CA.

“Optimum First Mortgage is without a doubt the best and kudos to John Smith for all the help he provided in resolving a credit issue that I was unaware of until another company walked away from completing my loan after taking my money. Whereas Optimum First and John Smith were nice enough to explain everything to me and helped me with a letter to the Credit Bureau that helped me get my loan and at a better rate all while keeping me up to date with each step of the loan process. It doesn’t get any better than that." Curtis C., Fresno CA.

“I was very skeptical of obtaining a mortgage on-line and had talked with several different agents and lending companies before I finally decided on John Smith at Optimum First. He had a very calm and understanding attitude and offered any and all the information I wanted; not a hard sell like many others. He truly seemed to care about our needs. His patience with me was commendable as I was constantly asking questions, needing explanations, and changing the terms and conditions. He managed to get me a good rate and term and closed within the time frame he initially quoted. Thank you so much for making this a "less stressful" experience than I was expecting." Laura B., Aptos, CA