We’re honored and humbled by the praise of thousands of happy customers






These guys know all the tricks of the trade

Optimum First Mortgage is the real champion! If you want your loan to get done and save money go to Optimum. They were able to get my loan funded as a second home with great pricing when it's only blocks away from my primary home. These guys know all the tricks of the trade. It’s time to make the call to Optimum because they're always First!

Bruce Buffer (UFC Announcer)

They crushed this process!

I just want to show much love to Optimum First Mortgage for getting my challenging loan done quickly. Being a UFC fighter, I get paid in different ways than most people but they made it happen. They crushed this process! Thanks guys!

TJ Dillashaw (UFC Champ)

Very satisfied and highly recommend it.

Excellent company to work with! They are extremely knowledgeable and helped save me a great deal of money refinancing my mortgage. Very satisfied and highly recommend it.

Kevin S

Hassle free refinance

I was looking for refinancing from local California-based lenders and came across Optimum First. I got a good refinance rate from Cody and the subsequent refinance process was pretty much smooth, without any hassles. Cody was responsive and got back quickly to all my queries. He was responding over email as well as text providing flexibility to me when I might have been busy with work and couldn't take calls.

Vilaas from San Jose, CA

Smooth process, responsive

Refinance was smooth. Lender was responsive. Rates were the best at the time of refinancing and found the low rate with no fees. Lender was very responsive and replied even at times on the weekends. I would recommend.

M S from Cupertino, CA

Very Responsive Lender A++++

Our loan originator was absolutely amazing to work with! She was pleasant and professional throughout the loan refi process. Everything moved along very quickly, faster than expected. From start to finish, the closing process was very easy. I’d highly recommend Optimum First Mortgage to anyone looking to refinance or looking to buy!

AJ TANDON from Mechanicsburg, PA

Smooth and easy - they did three loans at once with no issues

I did a refi of both my home and investment properties at the same time. Great rate, great staff, easy triple underwriting, and "triple closing" of three loans at the same time.

greg1211 from San Diego, CA

I'm very thankful I went with this company

Just completed my refinance with Optimum First Mortgage and I'm very thankful I went with this company. My loan officer Jeromy Lowman made the process super easy! He took the time to explain everything in detail, provided a good rate, and was always available when I had questions. The complete process went smoothly and Jeromy always kept me appraised on what was going on. I would definitely recommend anyone looking to refinance to contact Jeromy!

Hazel Gonzalez

Great Experience !!

I had the pleasure to work with Calvin in refinancing my mortgage. He gave me a great rate, had the lowest fees in the market, and the process was smooth with no issues. I am happy to work with him and will definitely do business again with him.

Taqialdeen Zamil

Extremely fast and easy with no surprises along the way

Alex Hall and Optimum Firsts took my already low rate and got me an even better one saving me hundreds every month. The process was extremely fast and easy with no surprises along the way. I've opened and refinanced several home loans the past 10 years and this was by far the easiest one, I'd highly recommend them.

Wes Peebles

Work with a team that makes sure you get your money's worth