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Jonathan Cave

Senior Loan Officer

(714) 988-4826
(714) 585-1010
Email Me
8900 Warner Avenue
Fountain Valley, CA 92708

I am fortunate to have found a position with Optimum First Mortgage that allows me to provide exceptional services to all my clients. Becoming a homeowner is a very exciting process, however, when qualifying for a home loan, unforeseen events can make buyers feel uneasy. That is why it is imperative to work with a loan officer that knows and understands all aspects of the mortgage industry and that also has the problem solving skills necessary to take care of any issues that might come up during the process.

At Optimum First Mortgage, we specialize in Purchases, Conventional refinances, VA, FHA and reverse mortgages. With in-house processing and a dedicated admin staff, we have the ability to close loans within just two weeks. I have personally helped over 580 clients in the last 5 years I have been with Optimum First Mortgage. Most of my client base is purely referral business in which I pride myself in. If you are looking to get pre-qualified for a new home loan, or refinance your existing home, give me a call. You will not be disappointed. From Application to closing, I am with you every step of the way.

Please Email Me For A Quote:


Jonathan Cave was our mortgage specialist in our most recent home refinance. Jonathan was very professional, patient and proficient. He answered all of our many questions and made our refinance go smoothly and easily. My husband and I have had refinancing
and new mortgage loans done for us in the past, but none can compare to the excellent service we received from Jonathan Cave and Optimum First, Inc. We highly recommend Jonathan and Optimum First to everyone interested in refinancing!!!!!
-Kimberlee Eggly


Jonathan took the time to explain every single step of the home buying process. He made sure we understood every paper we signed and was very diligent in making sure that everything was done in a timely manner. We could not have done this without his support
and guidance. Thank you again for all your help. You made the home purchasing process a breeze!
-Natalie Velasco


Jonathan Cave is a great asset to this company. He took the time to thoroughly explain the whole process of refinancing. He was very patient, diligent and very knowledgeable. He always kept us in the loop by constantly communicating with us thru emails
or phone calls. We were able to refinance our home loan in less than 30 days. I highly recommend Jonathan Cave and Optimum First for anyone who wants to have an awesome refinance experience.
-Francisco De La Riva


We were referred to Jonathan Cave by our Realtor. Jonathan is a great asset to this company. He maintained his professionalism throughout the whole process. He took the time to thoroughly explain the whole process of refinancing. He was very patient, diligent
and very knowledgeable. He always kept us in the loop by constantly communicating with us thru emails or phone calls. We were able to refinance our home loan in less than 30 days. When the notary came over our house to notarized the documents, she was very
pleased and surprised that our lender was able to process the loan in an expeditious manner. I highly recommend Jonathan and Optimum First for anyone who wants to have a smooth refinance.
-Joel Melvin Tiongson


From the start of my application to the closing of my loan, Jonathan put up with all of my silly questions with concern and understanding. I have done maybe 8 loans in my lifetime and this was definitely the easiest and quickest loan I've ever had! You
have a sincere and professional loan officer working for your company and I will let everyone know just how helpful and sincere Mr. Jonathon Cave was throughout the entire process!!! I will recommend Optimum First to all of my family and friends
-Donald Bronson


Working with Jonathan Cave at Optimum First was such a good experience. This was my second refinance with Jonathan and it went even smoother than the first. He always acts in a professional and timely manner. At all times through our refinance we were kept abreast of what we needed to do and what they were doing to process our loan. We believe we got the best rate out there for a refinance with no out of pocket cost!!! In fact, I recommended Jonathan to my siblings and both did refinance and thanked me for turning them on to Jonathan Cave at Optimum First.
-Deborrah Lugo


This was the easiest and most professional home mortgage loan I ever completed. Jonathan was great to work with. He told me what paperwork I needed. We met once and he put all the information that he had requested into his computer, which automatically filled out all of the forms accurately. At the same time, he checked my credit and was able to tell me what the rate would be. Within a month I had my new loan which saved me $316 on my monthly payment. I only had to pay $400 for the home appraisal as all of the other costs were paid for by the lender. Because we timed our loan to occur at the beginning of the month we did not even have to come up with past interest due. This was truly a no point and no cost loan at a much lower interest rate. I highly recommend Jonathan Cave as your loan officer.
-Sharon Garrett


We just finished closing a 30 year fixed loan for under 4% with no loan costs. It wasn't an easy loan because of the bank requirements but Jonathan Cave and the rest of the folks at Optimum made it much easier. We kept talking until we could reach a satisfactory result. Jonathan kept me informed all the way and let me work on ways to get to closing. Together it turned into our dream. Now we pay well under $1000 per month for over $200,000 in loan amount. I can't thank him enough!
-Dean Hansen


My refi just closed(Feb2012)and I'm exceedingly satistied with the end result after trying with other lenders in recent past only to find out denied in the end. Practically gave up to the idea until I found Jonathan Cave. He would explain all the options,laydown everything available then ask? you decide! I like that because I'm in control altho' he's at the helm. Jonathan is very instrumental in securing my loan, the rate I wanted. He kept me informed every aspect of the process. I can never thank him enough for going the extra mile, really exceeded our expectations. We are so happy, saved over $500 a month. Jonathan, you're the man! I would recommend your service and expertise to everyone. Thanks a million.
-Pete Robancho