Kimberly was friendly and responsive, and was transparent about the fees and upfront with the estimated closing time, which came in line with the actual closing time. The process to get the loan done was smooth. It was a good experience!

Howard Wang

I was so happy to find Kimberly. She made my mortgage refinancing process (my first time) easy and quick. She was quick and proactive in providing me with information that I cannot recall if I ever had questions. I felt like I was always informed. I really enjoyed working with her and plan to refer family and friends to her if they are looking to refinance.

Siobhan Davis

We had a great experience. This is our second refi with Kimberly Rojas. Everything was smooth and hassle free. Kimberly is proactive in communication, transparent in all the details and fun to work with. I would recommend Kimberly to anyone looking for refi or purchase on a new home.

B Smith

Kimberly made the refinancing experience simple and painless - stellar guidance and support from her and her associates.

Erin E Jones

Kimberly was great. Especially clear and patient when explaining definitions and processes.

Daniel Cronin

Kimberly Rojas provided us excellent service, was very responsive, and stayed in close communication through the entire process. This was the very best experience we've had financing a mortgage. Without hesitation, we highly recommend Kimberly and Optimum First Mortgage.

Charles Heath

Michael is a complete professional. Michael was prompt with calls and emails, responding on weekends and evenings. I appreciate the work he did on my loan during times that were not normal, and trying for many. I recommend Michael and his team highly, for all mortgage needs. Thank you Michael!

Deborah Ann Cleghorn

Matt goes above and beyond. Not only is he responsive but he is client centric. He was great to work with and look forward to contacting for future business.


Michael was extremely helpful in getting me through the refinancing process successfully. Notwithstanding the pandemic, my finances are more complicated than most, and during these strange times, the documentation requirements were constantly being increased. He walked me through it all, patiently explaining the jargon and apologizing when, at the last minute, someone needed some other obscure document. I was impressed with his friendly and approachable professionalism.

Deborah Dukes

Michael was extremely helpful in getting me through the refinancing process successfully. Notwithstanding the pandemic, my finances are more complicated than most, and during these strange times, the documentation requirements were constantly being increased. He walked me through it all, patiently explaining the jargon and apologizing when, at the last minute, someone needed some other obscure document. I was impressed with his friendly and approachable professionalism.

Deborah Dukes

Matt is knowledgeable, hard working, and honest. He did a wonderful job with my loan even though the market is crazy right now. He was able to navigate me through the ups and downs to deliver exactly what he promised.

Ayub Manjra

I knew going into this loan refinance there would be some difficulty since it was a second home, I'm currently retired and there would be titling issues with my recent Trust revision Even with the unexpected complications due to the corona virus shutdowns, Michael Hansen and his team diligently worked through the process while keeping me informed.. I give them my highest recommendation and will absolutely use his team again when I need a mortgage

Charles Roth

I enjoyed working with Kimberly Rojas, she was quick to respond to my questions, communicative to what details were needed to expedite the process in a very timely manner. This was my first refi experience, and Kimberly did a great job in helping me secure a great rate. I have already recommended her services to other friends. :)

Peter W.

Kimberly was very helpful throughout this process. Thank you for all of your help...

Alice Hardy

Working with Kimberly was a pleasure. She was very responsive to any questions and was very efficient.

Wallace Aweau

Very fast and responsive service. Pleasure to work with. Thank you.

Dmitriy Klempner

Kimberly was great, very thorough, quick and attentive. We had a little hiccup due to an unusual circumstance in our history and she handled it very well and quickly. I'd definitely recommend her to anyone.


Kimberly was great, very thorough, quick and attentive. We had a little hiccup due to an unusual circumstance in our history and she handled it very well and quickly. I'd definitely recommend her to anyone.


Kimberly is very professional, accessible when needed. Got us through the refinancing process very smoothly. I would recommend Kimberly to my friends or family ! Nice working with Kimberly!

Eugenia Sandoiu

I had a challenging approval process in that during the lock in period I had only a couple short time windows in which I was not traveling and available to obtain documents and look up information. Kimberly worked with me the whole time and made sure the process advanced to meet my restrictions. She was always a pleasure to talk with. I can't say enough about how positive the experience was.

Michael Schuette

Thomas exceeded my expectations on our mortgage. We asked for closure within 30 days and it was about 25 days. I would highly recommend both Optimum and Thomas. Excellent job!

Jim Evans

Great service, super fast at responding even after regular work hours. Rates were the best I found online and fees were reasonable.

Anabel Giron

I am very pleased with the service received from Kimberly during our loan process. She answered all of my questions promptly and clearly. the entire process was relatively quick and easy and Kimberly was very accommodating. I will recommend Kimberly when the occasion arises.

Daniel Kominek

Bill was creative and able to close on refinancing two loans and consolidated my debt to decrease my monthly payment saving me about 2k a month.

Emmanuel Cruz

After struggling for months with major banks for what they described as a unique case; a cash out refi for buyout, Thomas came to rescue and got me approved and refinanced in no time! Thomas provided constant updates with excellent communication, walked me through the process and seamlessly executed what nobody else was able to rather effortlessly and painlessly! Over all fantastic experience and would highly recommend!

Kelly Robinson

Fantastic Job - By far the smoothest most painless refi I have ever done. Very professional and thorough. Great communication all the way thru. Was a pleasure dealing with you. Keep up the great work.

Tracy Till

Service has been great zince I started usin Optimun First Mortgage ,Calcing Lee has a high reputation as a loan officer ,working with him is a great pleasure not only for bussiness but as a friend ,his expertise makes every thing run smooth with profesionalism and support this is the third time I use him and I will keep coming back to him when I need an advice and his service, I recomend Optimun First mortgage for buyng selling or fefinancing a property ,thanks again Calving and the whole staff that is working on the back ,great work.

Oscar Cortes

The whole process was efficient and quick. Excellent customer service from start to finish. Any questions were answered clearly and promptly. I would highly recommend Optimum First and Loan Officer Danyelle Drenk.

Audrey Dreibelbis

Fairly smooth process for a refinance. Kelly kept me informed of the steps along the way.

Benjamin Keim

Super quick and easy process. The rate was also better than all the other brokers that I contacted. Definitely recommend working with them.

Kevin Qiu

What an awesome experience. Have bought and sold many homes over the last 40 years and never had such a smooth process. Jon was very professional, friendly, courteous and extremely attentive to all our needs. Jon explained every step in the process, answering multiple questions and ensuring that he got the best rate out there for our refi. He was clear on all documentation needed and the process took less than 30 days. He understood exactly what we were looking for and was able to find it. Again, we've both bought and sold multiple properties over the years and the process was never this smooth. There was always at least one last minute surprise or something was forgotten. We are also aware that it take3s a village and apparently Optimum First Mortgage has the right people in place. Everyone we dealt with hit the top marker for best service ever. Thank you!!!

Kathleen Cox

Kelly was great during this entire process. Quick and easy! She was very responsive and was able to get my loan approved and processed quickly.


Erik was always available, and made my refi extremely easy. I believe the entire process took about three weeks from start to finish. Ended up with the exact costs and rate quoted from the beginning. Highly recommended

Steve B

Matt was very easy to work with. I will highly recommend home and optimum first mortgage.

Samuel C Oropallo

Britney is great in communication and making sure our loan gets approved. She is wonderful to work with during this stressful period, although the loan process is not stressful with her at the helm.

Bill Kurata

It was quick and painless, and Mark is a thorough professional. Good savings on my refi. Great job!

Uday B

Cody was very responsive and kept me informed of the process

David Nichols

Kelly was very responsive and easy to work with. I would recommend her services to my friends! Thank you!

Anastasiya L.

Kelly was very responsive and easy to work with. I would recommend her services to my friends! Thank you!

Anastasiya L.

Kelly was very responsive and easy to work with. I would recommend her services to my friends! Thank you!

Anastasiya L.

Cody kept me up to date promptly throughout the entire process


Rick Watson was very professional, straight to the point on what was needed. When there was a couple of bumps in the road from the "underwritings", Rick and his team worked with me to provide the necessary documentation that was required. I highly recommend them and the work ethic they showed.


Great experience working with Dani! informative, honest and reliable. Always willing to answer questions and always kept me up to date. Absolutely recommended.

Felix Mulia

Jeff is a pleasure to work with. I highly recommend him. He is knowledgeable and efficient.

Suzy Lunde

Micheal made the process of refinancing easy and quick. He was a pleasure to work with and was always available when we had a question. I would highly recommend Michael.

Aristedes Calfas

Very helpfull in every aspect during this transaction

Hernan D Blanco

All is well that ends well.


Great communication, low hassle refi. Saved us another $100/mo. Thanks Rick.

Kristin Johnson

Thank you so much to Danyelle Drenk for doing my refinance everything it went well. You’re always there for me to answer all my questions not even a month my refi is done. Thank you again Danyelle and to Optimum Mortgage. I will spread the help you gave to me. This is the easiest refi I did.


Tina was amazing from beginning to end. She always updated me with information about my loan and also returned my emails or calls within a reasonable amount of time. Couldn't have asked for a better person to help me.

Justin Seman

Excellent and very responsive service. Lee got loan funded in under 4 weeks. Would highly recommenced Lee to anyone looking for a loan.

Benjamin Schafer

Great educational and professional service.

Allan hall

Excellent and fast service. Would highly recommend him to anyone in the market for loan or refi. Best rates and no surprises. People and company you can count on. Best in the market.

Anwer Iqbal

Outstanding service. Very personable. Felt like I was working with a friend rather than a loan officer. Kept us informed through the entire process.

Norm Foisy

Dan was very knowledgeable, communicated clearly, and was highly accessible throughout the process. Recommend highly!

Brian Brickeen

Lee Wapato was great to work with. He was very professional, responsive and patient in answering all our questions. The whole process went very smoothly and we were able to refinance in only 3 weeks. We would definitely recommend Lee and Optimum First to our friends and family.

Araceli N

Very happy with the service provided!

Allison Stranz

Tina was very responsive and answered all my questions thoroughly and promptly throughout the loan process


My husband and I have utilized Dan’s skills in previous financial dealings and found him to be well-informed and most knowledgeable. That is why we immediately sought out his assistance recently. He communicated frequently with us, looked ahead for potential pitfalls and brought everything to a close ahead of schedule.. He was great to work with!

Anne Arreola

Optimum First greatly exceeded my expectations. My loan officer Dandrae Bristol was a delight to work with. She was fast, efficient, quick with answers to my questions, and very personable. I have recommended her to my family and friends. She quoted me the lowest refinance rate from day one with no hidden fees or charges. I highly recommend her for a stress free, problem free loan experience.

Bruce McDonald

Excellent in every aspect of the loan process. Could not be any more qualified and up on every part of the process. Everything was done rapidly and clearly. We have worked with Dan before and that’s why we keep going back to him.

.Robert Arreola

James was very prompt and clear in his replies. The whole process was very quick and painless. I highly recommend working with Optimum First Lending.

Ryan Hickman

The ease of this refinance was exceptional and actually a great experience.

Denise Rhys

Mike made the process incredibly smooth and easy. He was fantastic to work with.

Julie Denny

Jeffery Clark did an outstanding job for us. He helped us from start to finish with the loan. I highly recommend him and Optimum First. Thanks

Luis A Garcia

Very helpful and professional. Would absolutely refi ever time here/ Danielle. Easy and painless process.

catherine Butcher

Prior to my decision to choose Optimum First , i tried my mortgage and other mortgage company but didnt hear back or they charged me high for their services. My son told me of Optimum First and how good of reputation they have with their customer service, rates and quickness which i found all very true. Matt had lots of patient with me since i ask repeated questions & he always was there to answer clearly. I know he will continue to make my life easier. Thanks Matt M.almberg

Maria Wendel

Britney's customer service was excellent. Very prompt and exceptionally fast in every aspect of the loan processing from the very beginning to the end. We are very happy with the whole process. I will recommend Optimum First to any of my friends. Thank you Britney Velasquez!


Quick and easy transaction. Michael was very responsive to any questions that we had. Definitely will use again and highly recommend.

Tom & Kelly Boyd

Tiffani was helpful, professional and just straight up great to deal with. She helped us navigate our loan with grace!

Ben S

Awesome experience with Rick. He refinanced my three loans on time and with no issues. One being for my personal property and the others for my two investments. Got me the best rates on the market as I shopped around and helped me save quite a significant amount of my monthly payments. So glad I met Rick and his firm as they have by far been the best to work with, and I have worked with quite a few.


Michael was very helpful with our refi. He always made himself available to answer questions no matter how many and never made us feel like we were "bothering" him. During our refi process I referred Michael to three people and will continue to do so. My husband and I consider Michael our "go to" for any and all mortgage needs.

Paul & Monica VanGundy

Lee Wapato made our refinance incredibly painless. He is responsive, pleasant, knowledgeable and effective. The whole process took only about three weeks, and we got from start to finish with no surprises. We are thrilled with our new loan terms. Thanks, Lee!


Very easy to talk to, answer all my questions,reply to my messages quickly and provided information requested I will give Jason a rating of ten for his excellent y service

Leticia Cuevas

I cannot recommend Michael Hansen highly enough: from start to finish (which incredibly took only 21 days), Michael was on top of everything, answered every question/concern quickly (even after business hours), and was always true to his word. A genuine pleasure to work with. Optimum First’s processing (Thank you, Tera LeMai!) kept me informed of progress at every step—no surprises, no drama, and no delays. As busy as I know they must have been, Michael and his team made me feel like their top priority. It should come as no surprise that I’ve recommended Michael to my family, friends and colleagues. Thank you for your superior service. P

Patrick P.

Lee is the best officer. Professional, honest, customer-oriented, kind, trustworthy, accountable. He has helped me in 2 re-finances and always very quick responses, super clear and straight forward. My experience has been great. He deserves a promotion. Keep the great job you're doing, Lee!

Arturo Ventura

This is not the first time i have worked with Sean. He is incredibly responsive, pleasant, and efficient. He made my refinancing experience extremely easy. I would welcome working with Sean again in the future.

Andy Roberts

This was the simplest, quick refinance/home loan I’ve ever been through. Great job!

Arthur Docto

When my "traditional" lender told me that my refi will take 2 + mo and will cost me a lot of money I decided to try a "21st-century" approach. I was skeptical at first, but OptimumFirst provided a clear pathway to complete my refi in the very short timeframe with no closing cost. Thank you Thomas.


On time with the process of paperwork

maria rodriguez

This is the second time I have used Dan and he is fantastic. I would definitely recommend him to others. He explains every step of the process clearly and keeps in constant communication if anything comes up to slow down the process. There is no pressure whatsoever and I felt like he always had my best interests in mind. The process was very easy and smooth. If I do purchase another home or refinance again I will definitely use Dan.

Ryan G

Very courteous and prompt service. The whole process was quick and easy from start to finish.

Ben Sztajnkrycer

Jeff was a pleasure to work with - professional and friendly. He explained the process completely and was always quick to follow up any questions I had. And best of all, he got me a great rate! I have already referred him to family and co-workers. Thanks again Jeff!!

Robert Daniels

Jeff was extremely helpful throughout this whole process! He was always available every time I called! Thank you for everything!


Jeff was extremely helpful throughout this whole process! He was always available every time I called! Thank you for everything!


Matt is the man! He was able to work some magic that no other lender would even attempt to look at. I highly recommend Matt to anyone that is looking for someone that is concise, prompt, and has a 'thinking outside the box' mentality and approach to even the most difficult of loans. Matt is with you every step of the way and will never leave you guessing where the process is. My future loans/refi's will always be going to Matt...

Ryan P.

Alfredo was an excellent loan officer! My loan had quite a few issues that we had to deal with - none of which were Alfredo's fault. He and his team were able to get me approved in just a few days, and close in less than 30 days especially with the issues that I had to deal with my current lender. Thanks so much Alfredo!

Amit Singh

Britney delivered on her promise to get me the best deal on a refi. From her first call to funding took only 15 days to complete! Excellent service and her knowledge of the process made it quick and easy. Highly recommend checking out Optimum First for the best damn loan officers this side of the Mississippi :-) Cheers!

Bill Ingraham

Jennifer was extremely helpful during the entire process. She was very truthful and upfront about everything. Jenny guided me through the entire process and it was extremely easy and painless. Best experience I've ever had dealing with my house.

Chris Wong

Super fast and easy. Great rate too

Aleksey Volodchenkov

Jeffrey is one of the best loan officers at this company. From start to finish, Jeff did everything that he promised he would do and in less than four weeks, my loan was funded! Thank goodness that he was the one I got in contact with from the get-go. Five stars and above.


Britney is an excellent, knowledgeable Senior Loan Officer, when you have a question she responds in a quick manner. Britney keeps you informed from start to finish on your loan. She highly recommended, we have had two loans completed with her.

Evelyn Swansen

Dan was excellent from start to finish. We had a complex file and he kept us in the loop for each and every item. I would absolutley trust Dan for a home loan as he is fast, honest, knowledgeable and communicative which can be rare in the loan industry.

Julie Santoyo

Thank you so much Dan for all your help your professionalism, knowledge and care were greatly appreciated. Buying a house can be nerve racking and difficult but you made easy. Everything was on time and when we had questions you were always available. You are great to work with and we will definitely pass your name on. Thanks!

Marylyn Villagran

I've refinanced many times over the years, but this was by far the best experience I've had. I worked with Danyelle and she did a superb job from start to finish. Her responses were always prompt and professional. Communication was excellent throughout the process. We were able to move through the entire process in about 20 days, which is also by far the fastest I've experienced. I strongly recommend Optimum First Mortgage. Thank you, Danyelle!

Brad Griffis

We had a great experience with Danyelle. She was very attentive to our needs and did a great job getting us through the process fast and with ease.

Chris and Brenda Hall

Dan Rhomberg has been our Champion for many of our investment properties over the past 7 years and our last mortgage loan was a huge “slam dunk”. He closed the deal in just 6 days! This was after we made an offer on a property, the prior week, without letting him know. We have a very complicated and complex portfolio and it is hard to find a broker that can close the deal, but Dan has no problem navigating through it. He has the BEST rates (trust me, we have shopped them all), his response time is impeccable, and his customer service is TOP NOTCH! We cannot express how much we appreciate Dan’s help with all our purchases and refinances over the years. We are so thankful we found him and look forward to working with him soon…. We have his number on speed dial ;)

Krissy Block

Very responsive, problems fixed quickly.

Adam Zell

Jonathan did a great job! He was accurate and moved efficiently and from initial discussion to close. Thanks for a great loan and service!

Bill Bliven

My Refi experience with Optimum was excellent and without any problems. My loan officer Calvin was exceptional! He was friendly and extremely knowledgeable. I feel blessed that he was my loan officer. Thank you Calvin!!!

Juan Cardona

Alfredo made sure my wife and I had an extremely smooth experience during the refi process. He checked in on us regularly and kept us informed throughout. Alfredo is truly an asset to your company. Thank you again Alfredo!

Donnell Gray

Jason was great in moving us through the approval process and getting us the loan we were looking for a second home. I'd worked with previously on a refi and was really happy with that transaction. I can't recommend Jason and the Optimum team highly enough.

Carl Wilcox

This review is long overdue! John Smith, thank you very much for helping me buy my first home! I am very blessed to have come across John. He is professional, patient, and honest. Out of all the phone calls I made to see who can give me the lowest rate, John beat everyone to the point where even my realtor could not believe it. Dealing with a seller that wanted the transaction to be completed within a month, John helped me from step A-Z within 3 weeks!! He is kind hearted and definitely trust worthy. I had moments when I felt frustrated dealing with the seller but John was there to listen even though it was not part of his job to do so. He was very honest and gave me all options possible. Overall, John managed to close the deal within 3 weeks with the lowest rate possible. Please give him a call if you’re looking to buy or sell a house. Once again, thank you very much John for all the hard work you’ve done to help me. I got the best possible rate that I could with my first home all thanks to you. I look forward again to working with you in the future once I’m ready to buy an investment home and will definitely recommend you with friends and family. Thank you!

Sharlene Alvarez

I am very satisfied with Optimum First and the service Jeffrey Clark provided. I appreciated the outstanding communication, the timely loan status, the low interest rate and the simple process from application to closing that was done within three weeks. I would highly recommend Jeffrey Clark and Optimum First for your new loan or refinancing.

Atle Nordvik

Alfredo did a outstanding job on my refinance. He is extremely responsive and promptly follows up with and inquiries I had. He puts his customers interests first and worked diligently to get me lower interest rate then originally promised. I would highly recommend him to friends and family. Thanks Alfredo for taking care of me.


As usual the Nadia is the best! Always searching for low interest rates to save me money so I don’t have to worry about it. Thanks again Nadia!

Jen Lewandowski

Tim has been FANTASTIC to work with. His team of folks have been efficient, communicative and successful in saving me money on my refinance efforts.

Guy Ackerman

Britney was great in getting the required documents from us and processing this loan quickly. She periodically checked back to make sure the details of the loan were what we wanted. The process went extremely smooth and probably the quickest loan I have ever gotten. Kudos to Britney and the loan processors. Great job and great customer service!

Bill Kurata

Sean's service was very professional, competent and above board. I will not hesitate to refer him to others and will be glad to use his service again. Ant time!

George Kalu

Nadia was quick to answer my many questions, helped guide me through the entire process, and is very knowledgeable. I look forward to working with her in the future and will definitely be referring her to anyone I know who wants to buy a home or refinance.

Keith Manek

Danyelle was the best. She delivered on time and there were no last minute surprises.

Daniel Jun

I can't address enough how great it was to work with Anthony. We closed in 25 days, even after facing some hurdles since I'm self employed. He was on it all the way through, super responsible and transparent. I highly recommend anyone looking for a mortgage broker that's on your side to contact him!

Alex Medin

Second time refinancing with Jason and both times were great experiences. Nothing but professionalism dealing with Jason. Great attitude and kept me informed throughout the process. I hope to continue doing business with Jason on future home transactions.

Kevin Harbor

"Kelly was really systematic throughtout the loan process, has been a pleasure to work with...very knowledgeable. Responsive and quick to return calls. and explained the process to me with the upmost and honest professionalism. I will recommend her to every person I know who is in need of financing."

Jenson Thottian

Erik is very knowledgeable. The best part I liked about working with Erik is his transparency. He explained the process and guidance during was great. Erik was prompt to return any phone calls and patient with all the questions. Great work!!!

Ajain Kuzhimattathil

Upfront and honest guy.

Alfred Grant

James Kott was a very helpful and knowledgeable loan officer. He answered all of my questions promptly regardless of the time of day or weekend I called. He is honest and forthright and to the point. Very Professional yet friendly and outgoing as well. He is a pleasure to work with and my kudo's to your team for training and invoking your personnel with such high values and professionalism. James, in my opinion, understands all the in's and out's of the mortgage business and would do well in a higher leadership position within your operation.

Daniel J Bell

best experience refinancing ever!!! Thank You!! communication and knowledge of the process was above my expectations....

Joe Creaghe

Matt did a great job and was a pleasure to work with. He and the Optimum team are very professional and made our refinance process quick and easy. Thanks!

Mike O'Donnell

thank you Lee for taking care of my refinancing needs I could not be more happy. My refinance was done in a timely manner with out any hiccups. Lee gave me all the upfront information needed to get loan thru and done . Thanks again Lee . I will definitely recommend Lee to friends and family.

Dorman Austin

Keep us in the loop as to what was going on. Very professional and helpful.

Marlys Seibert

I truly enjoyed working with Peter Di Ferdinand. He was helpful, honest and made the process relatively stress free. I would highly recommend him to any of my family or friends looking to buy or refinance a home.

Colette Ching

Alfredo was great and was able to answer all of our questions in a timely and friendly manner. I would recommend him over and over again.

Traci Luis

The refi process we just closed on from Optium was smooth and painless. Thanks to Sean who kept on top of everything, it was easily the smoothest refi we've gone through. In addition, we had shopped rates with other lenders who gave up and said they couldn't match Optium. The process kept moving and every question we had was answered quickly and completely. And more often our questions were anticipated and answered before asking. Thanks Sean and Optium!

Gary Hoffman

Dan was excellent, his attention to detail was outstanding and made the transaction go as smooth as possible. I would highly recommend Dan to anyone looking to refinance. Thank you Dan and Optimum First for the excellent service.

Matthew Garr

Extremely Helpful. Would be happy to work with him again.

Joseph Soeka

Danyelle was very knowledgeable and professional. She really helped us get the loan that we need for the investment property. It was a pleasure working with Danyelle. Thank you.

Maxwell P.

Lee took over my re-fi after a terrible experience by another loan officer. He was helpful and thorough. I am very much appreciative of his professionalism and timely responses even outside of normal business hours.

Heather Hernandez

Great service and low-key help. Willing to work with text and email rather than multiple phone calls. Good use of technology. Knowledgeable and quick to respond. Excellent!

Dale Clontz

Gave them a call and off to the races we went. Took care of all my needs in a timely matter. Handled all my needs over the phone and via email. Everything went smooth and got the loan in a very quick time. I would recommend them for sure.

John Flores

The refi went smoothly and Erik delivered on his promises

Robert Brunsman

Great customer support!! I would recommend him to everyone I know.


This is our second time refinancing with the help of Tim Williams. My husband and I are very impressed with Tim's professionalism, prompt responses to our questions, and his ability to explain clearly the entire refinancing process. Thank you!

Marie Pizarro

I have known Nadia for about 5 months now and it has been the best experience ever. I had a loan officer that i worked with in the past that has helped me for 3 years from refinancing my house twice and also helping my friends. I have since found another loan officer Nadia Farkas that has gone above and beyond to help me refinance my home and is also helping my brother purchase his home which he will be signing loan documents this coming Saturday May 25. I would truly recommend Nadia as she is response on nights, weekends and even when she is with her family to help her customers.

Michael A. Meza

Sean is amazing. He helped me find a lender to refinance my mortgage loan, despite the disadvantages he faced with my credit rating. In what I thought was almost impossible to achieve, Sean exceeded my expectations on all fronts, not only in his tenacity and diligence in finding a lender, but also, in how he navigated me thru the process (which felt seamless, by the way, even though I know it was nothing short of difficult) All the while, he was positive, understanding, and encouraging thru the whole process, and when we hit some roadblocks along the way, he was reassuring throughout. I would recommend him to anyone, I am truly grateful for his efforts. 10 stars!


Danyelle Drenk is a "closer at all costs"!!!! Our refinance had some problems, however, Danyelle was on top of it all. Whether or not you receive your loan, she will help you and answer all of your concerns and questions. If she doesn't know the answer, she will research and find the answer for you. Danyelle always answers her phone when she can or will call you back--you can count on that! There is work on your part--and she will hold you accountable for obtaining the items she needs. Be organized for her and it will make it easier for her to help you through the process. Thank you Danyelle for your patience--I know asked a ton of questions--sometimes the same ones. Danyelle is confident and knowledgeable in her profession--attributes that support her successful career.

Courteney Nojiri

Outstanding service! Thank you.


He was great! I came to them after I had applied for a refi with my current mortgage company and they beat them on the rate and helped lower my payment. Overall was a good experience.

William Tubbs

Tim was such a pleasure to deal on what everyone considered to be a very challenging purchase. He carefully walked me through options, took the time to answer all of my questions and explained various products without being pushy/salesy or overbearing. One example of his tenacity was clearly exhibited while I had to travel overseas and Tim and I were seperated by a 10 hour time difference. Didn't matter. We handled everything by email and true to his word from the time the proposal went in - he was ready to close in less than 30 days. I can honestly say he was the best part of our home buying process and this is my third time!

Bo B.

Worked very hard to assist and stay in touch. Very honest and upfront. Answered all my questions whenever I reached out. Friendly, polite and diligent, even when things became challenging, (due to a notary error and the fact I had only online banks). Closed very quickly, even though I was hard to reach. Thank you so much for all your help!

Suzanne Delahanty

Lee was absolutely amazing at shepherding me through the process. We were able to close the loan in about 2 weeks and I am so excited to move into my dream home because of him. As a first time homebuyer, I was pretty ignorant of many of the pieces necessary to get the loan done. He was transparent and in constant communication with me which helped me calm down. I am super grateful!

Sydney Thomas

From start to finish Tim Williams was available to share his expertise to make our refinance happen. He was timely, clear and concise in what documentation he needed and more than patient in answering our many questions. Without hesitation we would use Optimum's services again and of course we would ask for Tim to represent us.

Jessica B. Grahm

Jeffrey Clark took his time to thoroughly answer any questions we had. We had some set backs, but we were reassured by Jeffrey that the loan would go through and it did. We appreciate all of his diligent work.

Olivia Yance

Brandon kept me up to date throughout the whole process and always let me know what additional documents and information he required. He was a pleasure to work with and would highly recommend him to my friends and colleagues.

Dan Cochran

Dan is by far the best mortgage specialist I’ve Dealt with. He has done three of my refinances in the past six months And has exceeded my expectations. From his timely responses and updates, Dan is is world class! I have done over dozen purchases/ refinances in the past, Dan’s customer service is Platinum!

DJ San Juan

I have work with many loan brokers over the years and Britney has to be the exceptional one. She has gone above and beyond of her duty and her commitment to my loan was outstanding. .She very honest and loyal to me throughout the entire process. She provided exceptional customer service.She has my vote as a top performer. John


Jeffrey was great to work with. Explained everything very clearly and was always responsive to my calls and questions. Returned calls quickly and kept me informed all along the process and closed my loan quickly and per the terms originally discussed.

Shari Jacobs

Kelly was amazing! She is tremendously professional and a very hard worker. She communicates clearly and effectively and always maintains a positive attitude. I always felt she was totally on our side and represented our interests within her organization. She was an absolute pleasure to work with and I recommend her highly!

Eugene Iaquinta

Amazing person and service. 5 STARS !!!!

Bilal Marini

Seamless process. Brandon was great. He thoroughly explained all the options available to me. The whole process proceeded smoothly and I was informed as to the progress every step of the way. My prior online experience with exploring mortgage options did not deliver as promised. I would highly recommend Optimum First. I was impressed with the accuracy and speed of the process. They delivered on what they promised.

Terri Cameron

Working with Thomas was a Great experience! I would highly recommend Optimum First and Thomas.

Wrenn Thornton

I had a great experience with Thomas and Optimum First.


Britney's tenacity and work ethic is second to none. She consistently responded moments after an email was sent around the clock. She once responded to emails after 6:00, 9:00, and 11:00 PM all in the same night. I had to tell her to get some rest! She is truly an asset to your company!

Palmer Kim

Alfredo was AMAZING! I’m glad he was so persistent ... he easily won me from another broker with his sheer honesty. THANK YOU ALFREDO!!!

AJ Walia

Very responsive, personable, and easy to work with! She did a fantastic job. Thank you.

Cody Grech

Kelly was extremely responsive and always helpful. She answered all my questions promptly and was a pleasure to work with.

Justin Skidmore

Exceptional service., very responsive and personal service provided by Sean. Would definitely recommend and use again.

robert chan

Lee is just so wonderful to work with. He was great about keeping me informed and was always ready to help answer my questions. Overall, great experience! I’d definitely recommend Lee to my family and friends. Hands down Lee is your go to loan officer at OptimumFirst. Excellent customer service! Thanks Lee for all your help with my refinance.

Gloria Taracena

This is my 2nd loan John Smith has help me with. Besides being able to get us the lowest rates around he is very helpful,honest,and calm. And trustworthy. Highly recommend him.

Mrs. Brown

This was a refinance based upon Optimum First's rate guaranty policy. The rate dropped 0.5 percent within 12 months, and James Kott stepped in to assist. I didn't have to call. Even though the mortgage had orginated with Optimum First, most cases seem to to have some challenges, for example, in this particular instance owing to my self-employment. James was able to help me navigate, while I provided the requested documents. So, not effortless, but easy and swift. I highly recommend James Kott for his expertise and high level of customer care.


Lee was fantastic to work with .. It was difficult mortgage to get done since we were moving in from another country and had not built up enough credit history in the US .. But Lee worked really hard to get us finish line. We found Lee to be very honest and straightforward .Always accessible and positive .TLee loves his job and thats what makes him so effective We believe he tried super hard for us and that was the most important and built a great working relationship with us We trusted Lee and he did not let us down Very happy to have worked with Lee and Kathy and would recommend them .. They are 10/10!

Brijesh Krishnaswamy

This is my 3rd time refinancing with Optimum and Jason Soldati. He is a pleasure to work with and is extremely professional and an all around nice person. He responds quickly to any questions big or small. His support team is also on top of things and each re-finance has been a breeze. Thank you for all that you do to make what can be a stressful process very simple and fast!

David S

Kenneth did an excellent job staying as the contact through the whole process so I knew I had someone I could rely on.

Mark Allen

2nd time around much better!

Teresa Derian

Britney was awesome through the entire process. All of my deadlines seemed to occur on the weekends and she was always available and happy to help. No matter what was going on she was there with an answer. Thanks!!

Amanda C

Nadia's service was great she handled my questions even when there was paperwork issues that caused me to have to sign again.

Tanner Wetsch

Not only was he very knowledgeable, Jeffrey helped us lock down one of the lowest APR slashing competitors. We left a different lender as felt being swindled. Jeffrey was honest, answered all our questions and one of the best loan officers I've delt with. Thanks for putting in the extra care in your clients.

Jason Roth

I have used Tiffani Buck Twice now and there services three times total, I will be using them again in the future. Thank You Galen


Highly responsive to all of our questions and a pleasure to work with!

Victoria Pearce

We are so glad we were able to find Optimum First. Dan Rhomberg is such a pleasure to work with: honest, knowledgeable, responsive and professional! Educated us and explained to us our options since the very beginning. We realized how stress free could be getting a loan with Dan. It was amazing when he called us before signing documents with escrow and assured us of how loans are monitored by government and there is no “bed” loans or hidden fees, so we can be confident and calm. He was able to originate and fund our loan in less than 3 weeks! I will definitely recommend this loan officer!

Pavel & Larisa

Montee provided excellent customer service throughout the entire refinancing process. He was able to answer all the questions I had and responded promptly. He made the refinance go smoothly and got me an excellent rate at minimal costs. Highly recommended and would do business with him again in the future.


Excellent result again. I have used Optimum First with Bill Clark several times and had successful closings each time.

Jerry McGuire

I'm quite happy with the process of refinancing my condo. From start to finish, Matt did a great job of keeping me informed every step of the way. Via email or text, it was easy to get updates, send required information and stay in the loop from start to finish. Even after funding, when I had a couple of questions, the responses were quick and to the point. I'm a happy customer.

Lewis Misenhimer

Great, friendly, and speedy customer service. Will definitely come back for future mortgage inquiries.

andres rivas

Always a wonderful experience with Alex thorough and easy process

Rosalie Farias

Montee Skorich was great and knowledgeable and the process was a breeze! Thanks

Jose Reyes

By far the best mortgage company I have ever dealt with. They went above and beyond to help us get the perfect mortgage at a great rate.

Karla A McWilliams

I could not be more pleased with our experience with Dan Rhomberg at Optimum First. Without his assistance and attention to detail, we would not have been able to refinance our 10/1 variable loan into a 30 year fixed loan at a favorable rate. Our situation presented a number of challenges that would have stymied an ordinary loan officer. My income is significantly above average but because I am a 1099 consultant with only a year of experience, none of it could be used to quality for the loan. My husband makes good money as a W2 employee but his income/debt was not enough to qualify on his own. After analyzing our investment accounts, Dan informed us that "asset depletion" combined with Ken's income could get us over the hump. However, this would only work if we could improve our FICOs slightly. Dan identified an error on our credit reports at a couple of the monitoring agencies and, with his help, we were able to get those removed and our FICOs rescored within a few days! Everything worked out and we are thrilled. We highly recommend Dan - especially if your credit/income are not "run of the mill!"

David Applegate

Tim is the best! This is my second refi with him and he saved me money each time. He is reliable and fast! Both of my Refis were complete within 30 or so days. I highly recommend him.

Evonne Garner

Had the best rate, best cash to close and did it in about 21 days with zero hiccups. Couldn't ask for more


Alfredo is an experienced loan officer. He is calm and handles the loan process efficiently and keeps you up-to-date with what's going on so you can get on with your life. I would recommend him to anyone who is looking for a refinance loan or purchase loan.

Frank L

It is with great pleasure that I am able to provide both MrTo and OptimumFirst a stellar review. They made a very complex process understandable. Kenneth To is a consummate professional and an asset to the company. He was knowledgable and caring. He treats you like you matter. He responded promptly and completely. If I had any questions or concerns he would take his time to clarify all aspects of the process. I strongly recommend this mortgage company. I will refer anyone that I know looking to buy or refinance to add their name to the list of happy clients. Thank you. In addition, the notary that came to my house did an outstanding job as well! Thank you.

Kathleen Ann Silver

Honestly the easiest refinance we have ever done! We are only dissapointed that the rates dropped after locking in but we are reassured with their no cost adjustment that we can implement after 6 months!

Louisa Evans

It was the easiest refinance we’ve ever done. I would definitely recommend Optimum First to anyone looking for a loan.

Joy Kaufman

Very dilligent, lots of patience and knowledgeable, in short it was a very pleasant experience from start to finish. Thank you Alfredo.

Jeff Suryakusuma

Tim is the absolute best. He has helped us with a refinance on our first house, the initial purchase on our current house, and a recent refinance on our current residence. Thanks again Tim! Always top-notch service from a top shelf guy!

Mike & Karen & Summer Olvera

Pretty good rates. Everything electronic making easy to do business with.

Laura Webster

Best loan and lowest origination fee and Danyelle was extremely knowledgeable and very responsive. She outlined all potential risks and recommended actions to mitigate! And from application to settlement took less than 3 weeks! Will definitely be coming back for any future transactions


Lee saved us from Quicken Loans. They wanted to charge us $500 up front and several $1000 more in closing costs. We can't thank Lee enough. It was a stress free loan process.

Kevin and Julie Lenihan

Many thanks to Peter Di Ferdinand at Optimum First for coaching and guiding me through the loan process for the purchase of my new home. It's been about 10 years since I owned a home and a number of things have changed in the loan process. My home builder was looking for a fast close, and with Peter's expert guidance through the entire process, we were able to close in under 30 days. There were a few surprises and glitches along the way, but Peter handled those things with ease and helped to ensure that the closing happened on the timetable I needed. I got a very competitive rate and paid no points, which makes me very happy. I'm looking forward now to making some new memories in my new home.

Frank Colligan

Fantastic customer service. Montee is an experienced veteran and has earned my business for the future. Very pleasant experience. Highly recommend.


I'm so glad I stumbled upon Optimum First Mortgage. My loan officer, Alfredo, is fantastic to work with. He's personable and approachable. I never had a problem reaching him and he was great about walking me through the whole process and making sure I knew the status of my loan throughout. I really appreciate how easy he made it for me to finance my new home. I can't recommend him and Optimum First enough!

Gwyndolen Harburg

I've bought a few houses before, this this was honestly the easiest, least stressful house buying experience I've had or could imagine. I certainly cannot promise your home buying experience will be stress-free altogether, but I can state with confidence that Anthony Corkill and Optimum First will make the lending part of your experience a breeze. Anthony is a steadfast professional and extremely knowledgeable of all facets of the industry. This is illustrated by his ability to do what he says he will do. He won't tell you he can do something that he can't, and he will work hard to get the best rates and incentives he possibly can. I was honestly concerned about my ability to get financed with the few credit blemishes from my past. The other handful of lenders I sent inquiries to read my credit report wrong, and erroneously told me I would have to wait several months to apply. Anthony correctly interpreted what was a poorly reported account and not only facilitated my mortgage, but also locked me in at an insanely great rate. So, give them a shot, shop around a bit as you should, but I'm confident you'll find that no one can beat Anthony and they Optimum team.


Tim was responsive and explained everything very clearly. And gave me good rates.

Robert Chrum

Alfredo did a perfect job in providing me the lowest interest rate (below 4%!) with very reasonable cost and closed my escrow in less than two weeks! I highly recommend Alfredo and his company if you are in the mortgage market to find the best deal!

New homeowner in Northern CA

This is the second time using Optimum First and Sean Chase. First time a few years ago to refinance and recently for a home purchase. In both cases the experience was great! Sean is very responsive, the loan process was easy and completed on time as promised. I will call Sean again in the future.

Tina Purdie

Thanks again for another speedy loan/re-fi (#4).. you guys have always done us right

C. Wiley

Everything went smoothly as promised. Thomas kept on top of the process and kept me informed at each step. Good job Thomas!


Cody was really great. Attentive and readily available. Worked hard to get this done

Holly Rice

Great experience. Quick with lots of communication. Would definitely use them again for other refi's

Andrew Willis

Optimum First is an outstanding company. I had a wonderful experience working with their office and loan officer Jonathan Hoffman. I truly appreciate their assistance.

Patrick Campbell

I was very happy with Pete. Responsive, dependable. He made the process move quickly. I would recommend him to anyone.

Joseph Spooner

Danyelle was beyond great! Fast, efficient, professional, excellent communicator...all the things you look for in a loan officer. I will recommend her to anyone who's looking for a loan.

Don Vandervort

Thank you for initiating and closing our home loan in timely and efficiently.

Lata Damle

Process was fast and streamline. No issues.

Dale Andrew



Montee was friendly, transparent and prompt. He shepherded us through a somewhat complicated cash out refinance in a whopping 28 days. He was upfront on all costs associated with the loan from the very beginning and kept me updated throughout the process. The service exceeded my expectations and I'll definitely be looking to Optimum First for my next mortgage.


Erik did a good job in getting my refi from initial application to closed in under 30 days.

Dan Braswell

Effortless - process made very easy by Jonathan and his team

Cynthia stevenon

Calvin's my go to for any of my loan needs. I've lost count how many loans I've done with him between my home and a few investment properties, but he's always honest, ethical, and hard working. And Optimum always seems to be among the lower rates out there.


Calvin's my go to for any of my loan needs. I've lost count how many loans I've done with him between my home and a few investment properties, but he's always honest, ethical, and hard working. And Optimum always seems to be among the lower rates out there.


This was our first time buying a home and Alfredo Rivas was excellent. He answered all our questions. Always answered the phone. The whole process was so quick and easy. I have and will keep recommending this guy and his team. Thank You!!!

Jairo Perez

Jason helped me do my refinance on my home. He was very knowledgable, and extremely helpful. He was always available when I needed him and got back to me in a a timely fashion.

Alida Roberts

Kelly and Optimum First were amazing. My refinance went smoothly, as it did the previous time I refinanced 2 years ago. I would highly recommend Kelly and will use her for all my future mortgage needs.


Kelly and Optimum First were amazing. My refinance went smoothly. I will use Kelly for all my future mortgage needs.

Barbara Ogburn

Kelly and Optimum First were amazing. My refinance went smoothly. I could not have asked for an easier transaction. I will be using Kelly for all my future mortgage needs. Thank you!


Jonathan was very easy to work with, explained each step and the timing all throughout the process. I would highly recommend Jonathan and Optimum First to anyone seeking a mortgage.

michael leon

Very fast and very smooth transaction. It was great working with Kenneth, he kept me in the loop all the time and patiently answered my numerous questions. Will definitely recommend Optimum First!

Mannylyn Timoteo

Working with Britney was great, she was always available by phone and email, even after hours, the electronics document loading and approval system was a breeze. I am satisfied with the optimum first for my loan.

A Soni

Erik's professionalism and knowledge was instrumental in expediting my mortgage refinance. His understanding of the trend as it pertains to the interest rate market was especially helpful in securing a favorable low interest rate with low costs for the loan. Erik's hard work and thoroughness made refinanceing my loan a very low stress pleasurable experience.

Paul Reid

5 Star Rating! Look nowhere else for the easiest, fastest, most pain free refinance experience possible! Optimum First has lived up to its well-deserved, excellent rating, for us! From beginning to end Lee Glen was there for us answering every call, text,and email question in a timely manner. Lee is a true professional in every way! We appreciate his hard work in making this the smoothest refinance ever, which is exactly what we were looking for!

James and Jan

Throughout the whole process of obtaining a loan, I was kept informed and was always able to reach Mr. Lee for questions and was always given as much time as necessary to understand the answers. I appreciate all the attention and want to thank you for a "service" well done!

Keven W.

Mark was by far the most helpful person I've had the pleasure of working with. He was careful to explain everything in detail and went above and beyond for me and my situation. Mark was a magician in making things work for me when the situation looked bleak. He's the north star for professionalism and integrity.

Andres Castillo

Danyelle was extremely professional and answered all of my questions in a timely manner. She contacted me about lowering my rate, which I greatly appreciated. I look forward to working with Danyelle again in the future!

Eve Douglas

Mr. Jason Soldati is the consummate professional. He responded quickly to my initial inquiry, provided concise and thorough information from day one, and led me expertly through the complex maze of applying for a mortgage and qualifying for a VA loan. What I respect and appreciate most about him is his honesty and integrity. When I reached out to Optimum less than a month ago, I already had an approved loan from a different company. I felt they had not operated "in good faith," and wanted to explore other options. From our first interaction, I knew that Jason Soldati was giving me the full story, being open and honest, and providing excellent and unbiased counsel. He was always available when I had questions, and worked with my time constraints --- during most of our interactions, we were many time zones apart. He continually reiterated his support for veterans, and I truly feel he put forth greater effort because my husband is a disabled veteran. I am completely satisfied with Jason Soldati and his work over the past month. He is efficient, effective, and empathic. All pf these qualities are excellent assets for an outstanding mortgage banker!!! Thank you, Jason!! Daphne Brown CAPT (Ret), US NAVY

Daphne Brown

Alfredo is the awesome! He made homebuying a walk in the park! He is very approachable and reachable. Homebuying is not easy but he made you feel very at ease and he delivers!!!! Best feeling is to have a loan officer who is on top of everything. Buyers like me can be very irritating at times wanting to know status but his always there to give answers to all my questions. He immediately informs you as new developments or if any documents are needed. No time waste. I just love working with this guy! I highly recommend him. The whole Optimum First mortgage team is the one who you want to work with if you want to get some sleep at night while your buying a house:)

Catherine Pare

Excellent service;fast and easy and on time.

Edwin Romero

He is great Loan officer! Always do fast, nice work and helped me a lot. Thank you so much!

Sinyoung Kwak

Very knowledgeable and extremely helpful I am so glad Kenneth did my loan! I would use his services again in a heartbeat and also recommend his services to others in the future. Thank you again for your help with my loan!

Katherine Eberly

Alfredo was great to work with. He pushed through my refinance in about three weeks. It was the quickest and easiest refi I have ever done and I have done quite a few. He did what he said he would and there were no surprises. I appreciate how hard he worked to make it happen. I highly recommend him and Optimum.

Connie P.

Jonathan was great to work with and made the process easy. He always followed up when he said he would and the process from application to closing and funding, the process was easy and always kept me in the loop. I can't recommend Jonathan and the whole team at Optimum First highly enough for their professionalism, hard work and kindness in an arduous process!

Matt Knollenberg

Thanks to Thomas I got one of the lowest rates out there at the time. From first phone call to funding was 17 business days. Easy straight forward Refi. Thanks again.

Gary Goldenberg

I shopped around a lot!!!! Got the best rate and fees here and the process was easy and quick.

keith swingle

Jason was excellent. Very clear, communicative and thorough. I'd be glad to recommend him.

Elliot Lurie

This is the second time I have used Rick and he is AWESOME!

John Nicolai

Kelly is such a delight to work with. I am a first time homebuyer and she was the rock throughout my entire process. Not only was she knowledgable, but she also sought out information for me from other people when she did not know the answers herself. I never questioned her motive and always felt I could turn to her for an honest opinion, even if it was wasn’t for the “highest dollar”. When I didnt understand something, she also went the extra mile to have multiple phone calls/texts with my mother to clarify and help me feel confident in my decisions. I will 100% recommend Optimum to other people, and that is largely due to my experience with Kelly.

Mallori Kuhn

Jonathan was very efficient and professional in the refinancing of our home loan. The entire process took 27 days from my initial inquiry to the funding of escrow. The teamwork at Optimum was always prompt and responsive to my concerns. All of the rates and loan processes was explained up front. I was able to accomplish exactly what I wanted with this refinance. I wouldn't hesitate to use them again.

Judith A Reed

We cannot say enough about Danyelle and the excellent service she provided us with in financing our new home! She made herself available to answer any and all questions we had throughout the entire process, she worked around the clock to finalize our loan and offered an unbeatable rate that suited our family's needs. Her friendly, professional demeanor made us comfortable and confident in what can be a very stressful and overwhelming process. She is amazing at what she does and we are so thankful we had the opportunity to work with her!

Brittney Garcia

Great at everything at every phase of the process. My second refi with Jason.

Frederick V Young

was helpful , informative and friendly throughout the process. did what she said she would do with no major surprises. was upfront and trustworthy which is very important in this kind of transaction.

john weems

Matt was stellar. He was all business when it came to our refinance, but had excellent customer service skills and remained very personable throughout the process. Matt kept things up front and simple and made the refi process painless and pleasant. Thanks for the time and effort, Matt.

Chris Sowell

Alfredo was awesome. We were able to close early on our 30 day escrow. He kept us updated on our loan status throughout the entire process. I would definitely use Optimum First again.

Amy Strayer

Excellent service from Alfredo and everyone at Optimum First. They quickly answered all my questions throughout the loan process and were willing to explain everything to me in clear terms. Any discrepancies or errors were quickly resolved. I wouldn't hesitate to use Optimum First again, and I will be recommending them to anyone I can.


Sean is the best loan officer I have ever worked with. He responds immediately and always has provided the best rates and customer service. I would recommend Sean to any friend or family member.

Dan Brown

From start to closing James was there when called upon. Competing with five other lenders, he got us the lowest rate possible. He responded promptly to any questions, including when out of office. We are currently looking for a rental property to invest cash out taken at refinancing and are calling James to help us with that transaction.

Raul Ramirez and Cecilia Ramirez

Professional, kind, always available for questions, remained in constant communication up until closing and very helpful

Amy McGreane

Without Jonathan my wife and I would have never gotten our jumbo loan. I am self-employed with some nontraditional sources of income. Jonathan's supreme effort with the lender, escrow officer, and our Realtor was instrumental in getting us loan approval. In addition, he gave me great advice in selecting the right kind of loan, a 7/1 ARM, which was superior in our objective of doing an early payoff. Also, kudos to Robert Drenk, owner of Optimum, and Kathy Nguyen, loan processor. Great job! Grace and I highly recommend Jonathan and Optimum First.....John and Grace

John Micetich

Did exactly what he said he can do in the time frame that I needed it done. Definitely recommend them.

Mar Lopez

My experience with Calvin from A to Z was the best. Straight forward, no pressure, and stream line. Will definitely come back to do business with again !

Mina Riad

My experience with Calvin from A to Z was the best. Straight forward, no pressure, and stream line. Will definitely come back to do business with again !

Mina Riad

We had a pleasant experience working with Jeff for refinancing of our home. We liked the transparency throughout the whole process. We highly recommend Jeff and Optimum first.

Harshad S Kulkarni

From start to finish this process went very smooth and quick. Very happy with the outcome. would recommend Jonathon to anyone looking for an excellet experience.

marvin barcus

Brandon was amazing from the very first contact to the closing of our refinance and beyond! He presented us numerous options and never hesitated to rerun numbers and different scenarios to ensure we made the best choice. We were impressed with how responsive he was to all of our questions and any details that arose. We are very happy we found Optimum First and Brandon and can see us working with him again in the future!

Shane & GIna Loftis

I switched to Optimum First from a local mortgage company after talking with Kelly on the phone. They solved the problems I was having with the previous guys, by breaking it all down for me in simple terms. I got an amazing rate through their hard work, and not only that but I loved how they always kept on showering me with good news! If something was not right or potentially could affect me in the long run, Kelly would tell me straight up. I highly recommend them!

Omar K

Great service and great rates!


Super easy and fast! Thanks Bill

Irene Barcos

Erik delivers his commitments on schedule. I kept expecting something to go sideways but the loan process was painless and quick. Remarkably well done!

Jamie West

great rate and service


Jonathan is the best loan officer I have ever worked with. He was professional, accurate and very good at his job. Most impressive, he helped us go from offer to close in less than 2 weeks - just before Christmas, which is the best Christmas present we could have possibly asked for. Thank you for all your hard work Jonathan! Also I give Optimum First a solid 5 stars, we shopped and nobody could beat their rates. Best rates, fast close, and excellent service - you guys rock!!

John Wold

Kenneth save the day! I was having a bad experience with another bank who wanted to lock me to a much higher interest rate. I called around and met Kenneth who got me pre-locked to MUCH lower rate that same day I called him. He cares! That's what made it a great experience. I would recommend this company to anyone looking for mortgage services.

Stephen Widdows

Jonathan is always very helpful and thorough in explaining the process of refinancing. We will continue to do business with Optimum because of Jonathan.

Andrea Sanchez

Bill Clark is awesome to work with. He is always available every step of the way and always go the extra efforts for his customers. Thank you Bill!

Quan Mac

Thank you so much Jonathan, I couldn't have asked for a better experience and truly appreciate your help.

Emily Fassi

The whole process was fast and efficient. The sellers wanted a quick closing and Kelly delivered. Not to mention we got a great rate!

John Stump

Lee Glen from Optimum First Mortgage was great. He walked us through every step of the way. He kept us on track to make sure that our mortgage closed on time. I highly recommend.

Sarah Frassato

My man Anthony was phenomenal to work with. He was always available and had answers to all my questions. He was so personal that we were on a cell phone to cell phone text or call anytime of day or night kind of relationship. I highly recommend giving these professionals a call.


Kenneth was exceptional to work in obtaining a loan for a condo. He was prompt, answered answered patiently, and was helpful when a hick-up occurred during the process. More importantly, he was very easy to work with, eliminating one of the stress of borrowing money.

Jae Lee

Kenneth jumped in at the 11th hour when we weren't being treated right by another company and had us ready to close in under a week! Throughout the whole process, Kenneth and team were so great to us and helped everything go smoothly! I would recommend them to anyone who is looking at purchasing a house.

Thomas Grivakis

Sean did a great job helping me through my first mortgage experience. He was patient with answering all my questions, and I felt he was very honest throughout the whole process. I was also looking at another mortgage company who claimed they could get the best rates, but Optimum came in the lowest. I had a very short closing, and they were able to meet all my dates. I definitely recommend them and would use them again.

Alexandra R.

i would like to share my experience with Mr john Smith from day one he guided me thru the refi process since i am not familiar with such, first ever refi for me he was patient, he was an educator explaining in detailed the various options and complicated process he was more of a friend or uncle showing me what to do what to expect what to look for he was more of a loan officer he was a mentor he went beyond the call of duty including to come to my house to sign documents, he was able to work around my never ending crazy scheduled i can go on but i think i made my point, i would recommend Mr john Smith to any of my friends and or family members because i know they will be in good hands i managed to get a great APR rate and i owed that to the professional help of mr john smith i sincerely want to say thank you very much Mr John Smith

francisco marquez

It was a pleasure working with Thomas on this refinance. He is one of the most responsive and informative loan officer that I ever worked with.

Christopher Pratt, Sr.

He was honest and up front. Completed the refinance with minimal issues, and surprisingly fast.

Scott Ross

Best rate when looking for a loan and everything went really smooth. Woukd definitely recommend Optimum First to others

Corydon Schroder

Anthony was friendly, responsive, and made our loan process a breeze.

Nicole Sanchez

Thomas was extremely helpful, pleasant, and informative throughout the process. Because of his willingness to explain, research, and update my wife and I each step of the way, I will definitely recommend friends and family to Optimum First and to Thomas. Thank you Thomas for everything!

Aaron McCullough

Alfredo offered a few great options to re-finance my apartment. I am really happy with the option I selected and how OptimumFirst performed. Overall, great experience. I can see myself recommending OptimumFirst to other people.

Javier Batista

Alfredo offered a few great options to re-finance my apartment. I am really happy with the option I selected and how OptimumFirst performed. Overall, great experience. I can see myself recommending OptimumFirst to other people.

Javier Batista

Thomas was professional and helpful in answering my questions. Parts of the process were challenging and confusing, but he worked with me resolve issues along the way and finalize the loan in a timely manner. We are happy with our rate and the loan refinance process.


What a great participant in your organization. Mr Rivas was Thoughtful , hard working , knowledgeable, and fights hard for what’s in customers best interest. Grateful to have experienced this very stressful process with your organization and of course Alfredo

Kelly Gugliuzza

Excellent customer service and communication throughout the process. Danyelle delivered on exactly what I was looking for and I closed on the refi in only 13 days from first contact! Easily the best broker experience I’ve had in 20 years of owning real estate.

Tom Drake

Thomas was great to wrk qith..got back to me immediately with any questions I had and was so professional in every way..

Yvonne Stanley

Tiffani was great. Very responsive and easy to work with. My refi went very smoothly. Highly recommend her.

Jon Kanter

Cody was prompt, professional, and courteous. He was very patient answering all of my questions. He made me feel confident that I was working with a great guy who knew his product. He made the refinancing extremely easy for us. I would recommend Cody and OptimumFirst to friends and relatives.

Akhter Ali

kelly was so easy to work with, all help no presure , she 8made it happen . I really appreciate all the efforts and patience .

Cynthia j Mackay

Very happy with how easy my refi was. Impressed with Lee’s knowledge and precise information.

Anna Miller

I just wrapped up a rental property purchase working with Calvin Lee of Optimum First Mortgage. Calvin was a true professional from start to end. His response times to emails and texts were almost immediate. In additional to offering a very competitive rate, Calvin was able to fund the loan in about 3 1/2 weeks. I recommend working with Calvin Lee of Optimum First Mortgage without hesitation.


I am totally appreciative of Tiffani's professional approach. She is persistent, speaks with the truth all the time, never over-promises anything, and she communicates with her clients as needed, always letting you know where you are in the process. She accomplished what other banks/mortgage companies couldn't do. I knew all along I was qualified for a loan but never found a loan officer, like Tiffani, that would dig deep and make a case for my loan qualification. I was ready to give up refinancing my home mortgage, Tiffani came along, I decided to trust her and in less than two months my new loan was funded. Thank you so much Tiffani, you are the best!

Mario Gutierrez

Lee did a great job helping me with refinancing of my home . He did exactly what he said he would do in a timely manner. I would recommend Lee .

Dorman Austin

Alex was wonderful. My first home purchase and he couldn't have made it any easier. Explained things over and over again to help me understand. I could highly recommend him to anyone!

Eric Navarro

Alex was simply phenomenal throughout the whole process. He was always there to answer my questions and went all the way to support and take care of funding my loan.He even took time from his vacation oversee to go over the final HUD document.Highly recommended

Sarang Beley

Cody is the BEST!!!! This was my 1st home purchase and I was so stressed about the whole process. But Cody made everything so smooth and easy to understand. It was a pleasure working with him. He is so helpful and caring. Will recommend Cody for all my relatives and friends. Thank you Cody :)

Bilal Marini

Peter was wonderful at helping me through a first-time loan application experience. It was VERY confusing, but he was able to help me understand each step of the process, make recommendations and explain his reasoning. I had an unusual situation, and he helped me find all the extra bits of information that were needed. He was available - even on weekends, and made sure each of my questions was answered promptly and thoroughly. I appreciate his experience and commitment to his work.

Andrina E Lebeck

This was the first time I ever thought of refinancing my home. Erik board went way beyond anything I ever expected seems I had a old lein that was never signed off and I gave up trying to refinancing. But because wasn't on my credit score or at the placer county recorders office he talked to old lein people and they notarized it along with myself he took care of all the rest and I'm now with optimum first. I'm so thankful to Erik for everything he did to get this done for me. I feel he is a great access to your company. He never gave up even when I did. So thank you for having such a caring and nice employee.

Sherry ramos



Karl Locke and Optimum First were amazing. Karl was great at explaining everything which was important as this was my first refi experience. I initiated my refinance on a tight time schedule because I was leaving the country in under 3 weeks and Karl made the refinance happen very quickly and I was able to get a new lower rate. I'd recommend him and the company to anyone looking for a great home loan experience.

Rebecca Burke

I have to say we were pleasantly surprised with the level of service we received from start to finish. In a group of five loan offers we got online, Optimum's stood out as the lowest rate with the lowest fees. Seemed too good to be true, but our loan funded today and we are now saving money each month! Thank you, Peter, for your cheerful help and guidance throughout the process! We appreciate and highly recommend working with you.


Jonathan made our refinance super easy. He was quick to respond to all my questions. I hate doing anything mortgage and this one was painless. Thanks Jonathan!

Jennifer Hair

Dan was incredible. He was available at all times of the day and evening, even on weekends. There was no question to small to ask and he would patiently answer and explain. There was no sales pitch or agenda from the start, he just guided us through the whole process with professionalism and caring. I will be recommending Dan to all my friends and family. Truly an easy and smooth experience. Thanks!!


Lee was great to work with- he turned around whatever we needed very quickly to ensure our offer was accepted and escrow closed smoothly.

Lauren Sheafe

Can't say enough positive things about Cody. He gave us great advice on how to structure the loan and about the mortgage process. He made sure that we met all of our time constraints and stayed on top of our titling company to ensure that everything went smoothly. Highly recommended

Easy living in Leesburg

It was a pleasure working with Danyelle Drenk from start to finish on our new home mortgage. She was fantastic; extremely professional. She did everything she said she was going to do, when she said she was going to do it. Danyelle was extremely knowledgeable about her product offerings and about the industry in general. Because of her ability to get things done efficiently, we were able to get into our new home quickly. Thank you to both Danyelle and Robert for their hard work in helping us obtain our new mortgage. We would definitely recommend Optimum First Mortgage to our friends and family.

Dan and Cory H.

Words can’t express how grateful and thankful I am for Tiffani! Tiffani made my dream of homeownership come true. She was very pleasant through the process and promptly addressed all of my questions and concerns. She made the home buying process smooth. Thanks Tiffani! You’re the best! ????

La quisha Carson

Lee was fantastic to work with. He was prompt and very efficient every step of the way. As this was our first refi, Lee was also very patient in answering all of our many questions. I wouldn't hesitate to recommend Lee to friends and family.

Dave and Natalie L

Excellent customer service and care from Matt! I would highly recommend him to anyone looking for a great broker.

Jennifer Morgan

It was a wonderful experience working with Ms. Danyelle Drenk, I can not express how grateful I am. She is professional, reliable and extremely knowledgeable. Ms. Drenk walked me through the process step by step. She broke down every small detail so I could fully understand what I was signing up for. I am very pleased with Optimum First Mortgage. The entire refinance process has far exceeded my expectations. Thank you!

Elizabeth Gueits

It was a pleasure to work with Cody Deniz. When shopping for a loan officer, it was a real challenge to find one that did not make me feel incredibly uncomfortable by being aggressive and pushy, like a stereotypical used car salesman. Cody never came off as a stereotypical used car salesman. This was incredibly important to me as it was for the purchase of my first house. He was incredibly knowledgeable, forthright, and expedient. I always felt that he appreciated my business and my business was in competent and trustworthy hands. My loan was ready to close early and without any hiccups.

Yonatan McCarter-Ribakoff

Great communication and response throughout the entire loan process. Very easy to work with. Thank you.


Where do I start? From start to finish, this has been (by far) the best refinance experience we have ever had! Tim Williams walked us through this process from Day 1 and exceeded ALL of our expectations! Even the fact that we are in Virginia and Tim is in California, all communications were timely, detailed and we would have thought we were dealing with someone local. We felt that we had a true partner who wanted to help and did consistently. Competitive rate/term, great communications and a quick closing! The execution of the whole process was flawless and we highly recommend Optimum First Mortgage...Especially Tim Williams! Thanks again, Tim.

Craig Marsha

Calvin is the man. What else can i say? He's done a half dozen or more financings for me over the years and he's always been professional, hard working, honest, and ethical. I recommend him without reservation.

Byron Hing

James was realistic on what mortgage we would qualify for and I know it was not the easiest loan to fund and there was no bull---- with James. He was upfront and honest. I had talked to other loan agents and they exaggerated what they could do for us. He kept me updated during the process and we closed in a reasonable time. Pleasure working with James.

Michael Freeman

Dan was on top of my loan at all times. He kept me 110% informed concerning the loan process. I would definitely use Optimum First Mortgage again because of Dan!

Angela Kindzia

Absolutely wonderful experience. Thank you Alfredo.

Carol Deliz

He was wonderful. Everything I could ask for in a Loan Officer and in a Mortgage company. Thank you.

Carol Deliz

Jonathan worked very hard to ensure everything was done in a timely manner. This is our second house purchase and Jonathan was instrumental in making this experience so much better than the first. I could not think of a better loan officer to have on your side in the loan process. Everything he said he would do he did. Even though we were a whole country apart I felt at ease working with Jonathan and the Optimum first team!

Randy S Homesly

Excellent service

Sophia Eid

This is my third transaction with Alfredo. I love working with him.

Sergio Ramos

Matthew did a fantastic job for us .. definitely above and beyond our expectations. I would recommend him to anyone.

Greg C

Karl was a pleasure to work with. He made the process so easy and was extremely attentive and pleasant. Thank you Karl!

Nannette L Hopson

It was an absolute pleasure working with Tim. His knowledge of the process, communication skills, and hard work are by far the best I've ever encountered. I cannot thank him enough for making this huge life event as easy and simple as he did.

Michael Haidar

Had a great refinance experience, learned a lot of great information in the process.


Peter Di Ferdinand did a terrific job on my refinancing. He is very knowledgeable and was always extremely responsive. I would give five stars but I wasn’t thrilled with the escrow company.


Very helpful and responsive. Lee made everything simple and was fast to get everything done.

MeLis Barnes

Working with Karl Locke has been a true delight. He is very professional and he's diligent in getting back to clients. Any questions I may have he is always there to deliver. This was a drastic change from the previous lender with whom I was shopping around who just wanted me to sign ASAP and were very poor in communicating. Karl did an amazing job steering us through a difficult and complicated mortgage refinancing ! There is no question that I will be working with Karl Locke on any future lending I need. Highly recommended !!


Jason was very understanding with each step of the process. He took his time with us & we always felt he was ready to respond to our questions. The whole experience went very well.

Mark Davis

Jason was straight forward, completely transparent, friendly and easy to work with. If you find yourself wondering if you're getting a fair deal or if someone you're working with keeps changing their numbers, call Jason at Optimum First. He took all the mystery out of my refinance and I walked away knowing I got the best loan that was available to me.

David J Green

Cody was very proactive and walked through the process clearly and concisely. He knew when something needed to be brought to my attention but otherwise worked diligently to get our loan closed quickly. It was a pleasure working with Cody and I would highly recommend!

Chris Eads

I highly recommend Optimum First Mortgage as your first choice to help finance or refinance your home. Hands down best customer service I've experienced. Lee Glen was awesome!!! It was my first time refinancing my mortgage and Lee made the process easy. He explained the process to me and answered all my questions from the very beginning and throughout the application and underwriting process keeping me well-informed (via email and phone) through closing and was willing to work late hours when I signed loan document so he'd be able to answer any questions I had. He's trustworthy, hard working, highly knowledgeable and very professional. It was a pleasure working with you, Lee. Thanks again for all your hard work and guidance. I definitely give Lee Glen and Optimum First Mortgage --five stars and more and will recommend friends and family to you.

Gloria Taracena

Thomas is excellent to work with! He's unflappable under pressure, finds the answers to the most vexing questions, and very customer friendly. Thank you!

Victor Voloshin

Easy to work with and closed in less than three weeks!

Justin Mecklenborg

Great experience. Kenneth is professional and efficient. Trust me when I say, I can be a difficult customer, but Kenneth's knowledge and patience won me over. I compared and was working with a few other companies so congrats on getting my business. The process was smooth and quick. Thank you


I think Jonathan Cave must be an angel from heaven words can not express the gratitude that I have for him. He is the best loan officer and person he really went out of his way to help me and he worked so hard on my loan I would highly recommend him truly he is the best.????????????????????

Yvett Pintor-Koutnik

I think Jonathan Cave must be an angel from heaven words can not express the gratitude that I have for him. He is the best loan officer and person he really went out of his way to help me and he worked so hard on my loan I would highly recommend him truly he is the best.????????????????????

Yvett Pintor-Koutnik

Calvin is incredibly responsive. Any time I reached out, I could reliably hear back from him with the day— usually within the hour! We had a pretty complicated loan, but everything went through and Calvin explained it all in layman’s terms every step of the way in a friendly, easy way. I wouldn’t hesitate to use his services again. Thank you Calvin!

Julie Alonso

Thirty days start to finish! Could not be happier with Optimum and Karl. A home re-finance is a big deal, but this seemed easier that buying a car! No hassle, no pressure, just straight-forward info and assistance. I had my doubts at first (where's that inevitable catch)...but there weren't any.The whole process was handled professionally, and Karl offered several options to consider, guided me through the paperwork maze, set-up a home visit for the notary, and kept me up to date on the progress even over the weekends. No matter when I might call or e-mail him, he responded within the hour. All the while in a pleasant manner and understanding attitude. Would I recommend Optimum and Karl if you're looking for a loan or re-finance....absolutely!

Jim Rice

I liked Jonathan the first day I talked to him and was simply amazed as to how smoothly the refinancing of our home went. He was totally honest and forthcoming every step of the way. He left nothing to chance and took great care in explaining all of the costs and forms that we were asked to review and sign off on. He was great! I really liked the use of the internet to both provide and sign off on documents. At the end was particularly impressed that Optimum First sent a notary to our house at our convenience for the signing of the closing documents. I will highly recommend Jonathan to anyone wanting to refinance their home. Thank you Jonathan!

Dave Osborn

Great Company and Quick process! I was hesitant to refinance because I know how grueling the process can be. My loan officer was Danyelle Drenk who explained the process and indicated that we would close within a month. She was right! Everything went smoothly via email and a couple of calls. I highly recommend Optimum First.

Gloria L.

Erik went above and beyond. We have a lot of obsticles to overcome to get the loan done and Erik helped at ebery step.


Thomas is very professional, I'm extremely happy with his prompt concise responses. I will recommend Optimum First Mortgage to my friends/colleagues.

Daniel Watanabe

I worked with Erik to refi my multi family investment property. Erik is very professional and make the process very smooth. This is my first time using online mortgage broker. I was skeptical at first, but decided to give it try after talking to Erik on the phone. Erik assured and informed me of each step as the refi process continued until closed. Con: 1 or 2 third party’s fees were little more than quoted. Overall, I am very satisfied working Erik. Thanks Erik for your service. Kirk from Sacramento CA.

Kirk Tang

Peter was extremely helpful and friendly throughout our loan application and escrow process. He was on the ball in locking a very competitive rate, was timely and patient in explaining loan details, and was able to nimbly adjust to us inserting our trust into the loan package in mid-stream. His team provided rapid electronic signature options, which made the process less time-consuming, and he was able to keep loan process fees very competitive.


Alex was recommended by one of my co-workers and friend so I thought I will give him a try, I have worked with Wells Fargo directly for all my mortgages needs and Guild Mortgage but always doubt the high closing cost for refinancing. So I decided to try Optimum First this time. Great experience working with Alex Shik, from the beginning to the end great communication. He has a lot of experience in this field! I highly recommend him and his team of professionals. Avoid wasting your time with big lenders and save the trouble of going in an office for appointments really, nowadays anything can be done on-line and over the phone with good and secure technology this can be possible ! Fast closing and not hassle, they send a Notary to your own home to finalize the documents, all went super smooth! I will recommend Alex to all my family and friends! looking forward to keep doing business with them!

Alba Vargas

Danyelle's enthusiastic tenaciousness was compelling from the start. She carried the same passion all the way through to the finish line! Dealing with her was a real treat! I will highly recommend you to anyone and will be an invaluable resource in the future.

Bobby Root

Thomas stepped me thru the process and kept me informed and updated on a daily basis. He was available whenever I had questions. I was surprised how quickly the process went and how easy it was to work with Thomas electronically. A great rate for a happy customer. It was a pleasure working with him.

Gerald Benjamin

James was fantastic and really listened to what I said and the details about my situation. He proposed a solution that better fit my needs than the other lender I contacted. James also answered all my questions and took the time to ensure I understood the proposal, what it did and did not include, and what to expect.

Karen Lynch

I absolutely loved working with Danyelle! She made the process very easy!

Shanna Simmons

Lee was an awesome loan officer who went the distance for us. He created the very best scenario for our needs. He was kind, respectful, and made us feel that we were the most important people in his life. We felt valued and that we mattered in his busy,full life. We want to use him again either personally or s a strong referral.

Jerry Lynch

Anthony did a great job helping me through the refi process. He is attentive, helpful, and knowledgeable.

Mike Gilbert

It’s been a long journey for myself and Bill, the most excellent mortgage loan officer, as I had proved to be a very challenging mortgagee client. My financial history launched many hurdles that, Bill, in every instance was more than patient at each hurdle. In which, I believe, behind Bill was a most capable and skilled staff that supported and advised with the utmost care to the process. I appreciate both Bill and the staff for the result that is a great relief to me as a pensioner. My thanks to Optimum First Mortgage for funding my loan, for meeting my needs and for fostering a confidence that I will surely be a return customer. Best to all, and Mahalo Nui!

Edwyna N. Akana

I found Optimum First through Bank Rate.com and I'm very happy I choose to use them. With no lender's fees and a competitive interest rate, I saved a lot of money. I don't know why anyone would use a traditional Bank for a mortgage, ( W.F. offered me the same loan with .35 % higher APR and $2600 in lenders fees). My loan officer Karl Locke was friendly and professional the entire process, he communicated with me regularly via email, text and phone calls which I truly appreciated, due to my busy work demands. I am completely happy with his excellent customer service. Thank you

Linda Gomez

Jason was so helpful walked me through the loan. There is so much paper work in processing this loan he was understanding and patient.....????????

Angie Ewald

I know my loan wasn't easy, however, Mark made it possible and made me feel like he cared.

Irene Shin

Calm, humorous , knowledgeable. Was comfortable from the beginning.


Very efficient calls back immediately has answers with concerns tomely manner

Ana Maria Orlino

Overall I am very happy working with Karl for my refinance . He was very prompt in keep updating me during the process and honored all his promises without much followups. More over he explain clearly all the numbers in closing statement. I love recommending him to my friends whoever looking purchase/refinance. Looking forward to him for more business in the future.

Babu Chimmi

Anthony went out of his way to make this process so much easier than previous loans I have received. He explained issues very well throughout and never tried to oversell things. Recommended without reservation!

Steve Messner

Danielle was great to work with. I can't say the same about the refinance process, it's much worse than it needs to be and takes an incredible amount of time for someone who has great credit history, Danyelle did keep it on track and was very pleasant along the way. She communicates well.

Tom Heath

I do not know where to begin when it comes to Karl as our experience was absolutely outstanding. Buying a home can be quite a stressful and frustrating experience, and Karl went way above and beyond the call of duty to make this as easy as it could ever be and to make my wife's and my dreams become reality. This is my second home buying experience and the only thing I regret is that I didn't work with Karl the first time as I did not know him 14 years ago. 5 stars doesn't do him justice...he is on another scale. Give him an extra 2 stars at least. I would recommend him to anybody and everybody. You are lucky to have him as a member of your team.

Dan Toomey

Mark is efficient, professional and quick! We have refinanced with him twice with excellent results. Our first one was really tricky but with Mark's patience and persistence he got us a great deal. Second time was a breeze!

Wendy and Richard Ewan

Initial contact Feb 27th, funded Mar 28th. Great smooth process throughout. I did compare rate with 3 other lenders, Optimum came out a winner and with several great reviews, I went with it. Highly recommended.

Tommy Lin

Kelly was very helpful in getting the loan we needed. she walked us through the paperwork and helped us get insurance that was a lot more reasonable for our property. I would highly recommend her for anyone who needs to re-fi their loan.

Nancy Wennersten

Excellent experience, I appreciated the way karl explained everything and he answered the phone each time I had a question or update , We had an easy communication through phone and emails and did a great job . thank you karl for helping my family in this hard time we go through .

rewa kamel

Tim Williams is a professional and knowledgeable mortgage broker. We appreciate his efficiency in walking us through the process and clearly communicating all of our refinance options. It was a pleasure dealing with Tim, and we will certainly recommend him to all our friends and families.

Marie and Oliver Pizarro

Montee did a great job of explaining everything as we went through the process. He was extremely patient and considerate in answering all of my questions. I truly appreciated his willingness to accommodate my schedule and meet me at the office on a Sunday afternoon to ensure we a quick and clean closing. I couldn't have been more please!

Lynn Huizenga

Karl is extremely knowledgeable, professional and forthright. He is an excellent loan officer and I would recommend him to anyone seeking competitive financing.


Lee was great from the start. It took him less than 5 min to contact me after I made the request. He always responded quickly and with great detail.

Mark Wetzel

Refinancing is a cumbersome process and can be very overwhelming, but Lee really walked us through every step of the way and made the process a very positive experience. I appreciated his patience and wealth of knowledge.

Angie Baltierra

Great person to deal with. He was very helpful and made us feel very special.

Julius Joves

James was straight forward no excuses. James delivered on what we agreed upon on time and no hassles. I would recommend James to my family and friends.

Jose Espinoza

Jonathan was fantastic from start to finish. I had quotes fro a couple other companies and optimum was able to beat them all with no costs. Very quick and easy process as long as you qualify and are organized. I will recommend Optimum an Jonathan to friends.

Mike Bartusick

Dan is very professional and easy to work with. He made the whole loan process very simple for me. The whole process took less than two weeks. I’m very impressed.

D Kaur

Jason helped us to refinance our home. We are very pleased with the service he provided. he is super fast in responding to questions and get you the answers and info needed.

thanh nguyen

AMAZING! While in Escrow, I had TWO other lenders come up with various new conditions that put my purchase in jeopardy. I quickly called Karl at Optimum and he stepped up to the plate, saved the deal (and my marriage probably) and we just closed on our new house. There were no surprises, full transparency, and way above-the-call-of-duty communications and accessibility, not to mention all around quality human beings. Thank you Karl! Really appreciate you and your team.


Good communicator. Helpful. Good people skills.

Miguel Torres

From beginning to end Sean was pleasure to work with. Knowledgeable, understanding, and responsive to my needs. Refinance in less than 30 days. Would definitely recommend him in the future.

Judy Busch

Jacob Benavides was outstanding!! He made everything he could, go as seamless as possible for us, and he really "earned" our Trust. We highly recommend Jacob to anyone looking to get a lower-interest-rate Mortgage Loan. Jacob is a very kind, patient, and thorough person; which are all good qualities of an overall "professional." When he said he would do something for us, he always followed through! We never had to chase him for answers to any question we proposed, because he was always there for us. I'm quite sure we were not Jacob's only clientele at the time; but he sure made us feel like we were (his 1st priority), which we greatly appreciated. Having this kind of ACCESS was phenomenal; especially because we were contending with a short timeline and Jacob brought it all together. :) Thank you Jacob again; and thank you Optimum One Mortgage for making our experience with Jacob, so wonderful!!!

Dean & Maria

Pete kept me informed through all of the steps in the process. He was punctual and his manner was conversational.


Alex was a great help, and walked me through the process from beginning to end.

David Christensen

Jonathan is an amazing agent to work with. He made the whole process so easy and smooth. very honest and fantastic followups. The entire process was quick and almost painless. Jonathan kept me posted every step of the way and the most important was that he educated me as the process was going on. I had plenty of questions, and he patiently answered all y questions or concerns. thank you for having such a great agent working with you :) I have already recommended him to my friends and family.


Peter continues to be a pleasure to work with and provides a professional attitude at all times. He is patient when I dont understand things and clearly explains open items. He helped me close on a second home and the process could not have went any smoother!

Anthony Gonzales

Our refinance process started on December 8, 2017 and it funded today January 18, 2018. Throughout the process Mike Timoschuk was there to help out and explain each and every step of the way. Not once did we feel overwhelmed or pressured in any way. On the contrary, it was a truly pleasurable experience. We will definitely return to Mike and Optimum First for any future needs and we will also be referring them to friends and family when needed. Thanks again Mike and thanks again Optimum First.

Tino Romagnoli

Alfredo Rivas contacted me first by email on November 4, in responds to my internet search for refinancing my mortgage and getting me a lower interest rate. I provided him with a few details and within a fewer days he was able to provided me with a few options for a possible refinance offer that was everything I was looking for. Dealing with Alfredo was a great experience. Thank you Alfredo

Axel Ehmann

Phil did an outstanding job. As a FTHB, he made the process smooth and worry free. He was quick to respond and thoroughly answered any questions that I had. I would recommend Phil in a heartbeat.

Paul Pasamonik

Jason is a stud and he understands how important communication is. I went to Jason and even paid a little higher interest rate with him just because he knows how to communicate, stay on task, and always keep us updated on whats next. Compared to the first loan agent I tried to work with at a different highly rated loan house, Jason is a true professional and I would definitely recommend using him to any of my close friends.

Aaron Reid

It is always great working with Karl.


This is my second refinance with Lee. In both cases, he was able to lower my interest rate, was incredibly responsive, and always kept me abreast of where we were in the process. I chose Lee based on a recommendation from a friend, and will recommend him to anybody that needs a new mortgage or is refinancing.

William Cullum

Karl was great! Very friendly and knowledgeable and didn't try to sell me any b.s. Communication is most important to me and he always kept me up-to-date and got back to me if I had any questions. I will definitely work with him again.

Matthew Todd

You never know who you may or may not work with from someone on the phone or through the internet. The first conversation I had with James was very pleasant. I felt he was someone I could trust and easily talk with. Almost all our contacts were email or text. Every time I had a question, James answered it in seconds. Yes seconds. Clear and concise responses. James is someone I trusted and when you are opening all your personal financial information, trust is number one. The whole process took a couple of weeks. With James’ help, their was no hiccups, no surprises. No changes in the numbers after we locked in. No additional this or that. No games. No committee hoops. Thank you James Kott

James Barksdale

Excellent personal service, fulfilled every promise throughout the loan process!

Izzy isaac

Thomas was a pleasure to work with, he keep it simple and clear.

Kevin Haley

Thomas was a pleasure to work with, he keep it simple and clear.

Kevin Haley

Brian McLeod, my loan officer, was amazing from start to finish! A++++++ He has outstanding followup, process, and he gets the job done! My loan was a little complicated with KYHCA and challenging credit he stayed the course and worked so hard on my loan and paperwork to make this happen. I have tried to refinance for 5 years and feared with the reset of my current loan, I would lose my home. With Brian's expertise and diligence and all his efforts and the staff at Optimum, he and they helped make my hope a reality and refinanced my home in under 30 days! - what a wonderful Christmas present for me and my daughter. One other item to mention, the fees and rates were fair and he stood to his word that no cost was no cost. I highly recommend Brian and the team at Optimum! You will be very satisfied as I am and will continue to be a customer for life and plan to tell any friend looking to refi to check out Brian and the team at Optimum. Thank you!!!!!!

Gina Charest

I had a very pleasant experience working with John and the rest of the team at Optimum First. This is the first time I applied with an out of area lender (I am in Northern California), and that too with someone I had never worked with. Plus the rates John was offering were lower than the market. So I was skeptical going in and wondered if I will get an unpleasant surprise with bait-n-switch. However, I got exactly the rates that John quoted me going in. John was very clear upfront telling me the documents I will need going in. He kept me in the loop throughout the process, and even took care of things that normally belong to other folks. The loan closed on time smoothly. I will not hesitate to work with John again.


We have done our loans with Peter. He has provided us with excellent service and everything went well. He is very professional and very helpful. We are very happy with Peter and will do business again with him in the future. We are definitely going to refer him to our family and friends.

Ben Phan

Tara is very knowledgeable, diligent and tenacious. Her desire to bring an excellent result and her respect and concern for her client is evident in how she makes herself available to the client. For me personally, Tara made a stressful situation much more tolerable

Susan Vargas

Bill Clark is the greatest. He got me the cash-out refinance loan that I needed when I needed it! He and his company, OptimumFirst do such great and reasonable things for people. Mine is a long story with a very very happy ending, thanks to Bill Clark, the escrow company the used (Eminence Escrow- high -5's to Tina), and the other fine support staff at OptimumFirst. The long story part is that I was initially working with Kinecta Credit Union, whom I had loans with for over 20 years- Kinecta made so very many mistakes (including the final one-getting the property taxes wrong, promising to fix it, and then not doing it), that I had to stop that loan process, and look for another lender. Maybe it was fate, but nevertheless, "OH Happy Day" when I found Bill Clark and OptimumFirst! (I can hear the music now!) They had a much lower rate than Kinecta (saving me $$$ money), and were able to use the appraisal that I had paid for from Kinecta (Kinecta had to release it to them). Bill Clark was able to shorten OptimumFirst's loan time for me so that I could meet a financial deadline, with time to spare! OptimumFirst is a flexible company with outstanding understanding, compassionate people who want to help you! Bill Clark kept me informed of loan progress every step of the way. When he needed something from me, he told me, and I turned it around and got him the information as quickly as I could. We worked together to reach my loan goals. The icing on the cake is that they offered me a lifetime "no-cost" refinance if rates ever got lower and I chose to refinance again. They let me know they wanted to earn my business- in the process, not only did they earn my business, but they far exceeded my expectations. I'm telling all my friends to go to OptimumFirst first for their loans. I hear music every time I see their name- indeed a happy day for me! I hope everyone's experience is at least as good as mine.

Leonard Hicks

Lee was instrumental, I was approved for loan before Christmas! He was deligent with required paperwork to ensure loan would be funded. Thank you Lee!! Great Christmas present

rhonda hornack

James offered me a better rate than Bank of America, who I've been with for the last 15 years. Also, his communication was very timely, with B of A I kept being bounced between loan officers and having to wait a day or more to hear back. Everything about his service beat out B of A and I'm very happy that we had him do our loan.


Erik was an awesome loan officer! I found him to be thorough, highly knowledable, honest, and forthright. Our loan process was painless and we closed fast. He promised to be available during our weekend signing and was to answer questions, that put us at ease, I will be recommending him to friends and family!

Brandon Hansard

Hello everyone, working with Karl was great, he’s very knowledgeable in the loan processes and was able to get me locked in at a great rate timely. I was very pleased with Karl’s professionalism and customer service. He was easy to communicate with and was able to walk me through the entire loan process and made this journey pleasant and easy for me. I will definitely go with Karl as my loan officer for my next real estate mortgage. I highly recommend him if you are looking for a loan.

Anjlin Chand

Great experience, no hassle. Will recommend to fam and friends.

catherine lewis

Mark makes this process seamless and so easy. From start to finish it took 3 weeks and my loan closed. He's readily available to respond no matter what day of the week it is or what time it is. He's very responsive to any and all questions. I always feel like some of my questions are stupid or I should know the answer, but he never makes me feel that way - he is happy to make something clear to you so you understand the paperwork. I highly recommend him!!

Peggy Wilkins

Hello, To whom this pertains to, I just wanted to commend Tiffany as my loan officer. She was truly professional, extremely smart, handled all the paper work in speedy time frame. I am totally impressed with her execution of my refi, that she took care of in the fastest time frame I've ever seen. She is a top star in my estimation. Thank you all for your assistance. Truly appreciate your help. Thank you again. Della Frorenza

Della Frorenza

Jacob Benavides was extremely helpful in helping me get a loan. He delivered on every promise and He walked me through everything. Not only was he was very prompt he looked out for me at every step. I would not hesitate to recommend Jacob to anyone that needs a loan or refinance.

Yoann Debonnaire

We have refinanced our house approximately 5 times since purchasing our home 23 years ago and our experience with Jacob and Optimum Mortgage was the absolute best to date. Jacob was honest, attentive, very easy to talk to. He was very professional through out the process. He even called me one day after picking up his kids from school to answer a question. We closed the loan in record time with minor but expected adjustments.

Manuel Gonzalez

Really pleased with work being done


This was a great Service from A to Z! All worked out great and every promise made was honored in record time. I will refer Alex Sarkeshik to my friend and family. Quite professional and knowledgeable. Much appreciate it. Homayoon

Homayoon Tajalli

We did refinance twice with Erik and he is the best!!! He gave us better rate than others and transaction was smooth and fast. We recommend him and Optinam First mortgage to everyone. Thank you for helping us Erik! Hope to do business again!


I was referred to Alex from a family member. He was described as attentive, knowledgeable and quite professional in every sense. I am glas that I started with one house and ended up Refinancing both my houses. He definitely exceeded my expectations and educated me on so many levels. Transactions took place on timely manners and based on my schedule. I highly recommend Mr. Alex Keshik to friends and family.

Amir Homayoon Tajalli

Working with Peter was easy. He was always available to answer questions and I always received a call back if I left a message. Great experience


Very happy with his quality services

Buu Duong

Tim was diligent during the approval and loan process and very professional to the end of funding. I would work with him again, he was very timely in all correspondences and answered all of our concerns and questions.

James Wall

Montee was a gentleman all the way. After dozens of calls from internet responders (not called by me)< Montee put it together in a way that was the best for my needs. He was very patient with me, while he was trying to show me why his plan was best for me. At my age, the internet is not really my friend, but Montee gently sold me on the right path. Thank you, Montee

Ira Lehn

From the getgo Lee was nothing short of outstanding in his customer service, knowledge and efficiency! I? will most certainly be recommending Lee to all of my friends!

Joyce Cooper

Tim has been really professional and efficient. I'm extremely satisfied with his service and his competence. I strongly suggest to use his services.

Fabio Alessio Marino

Tim was a straight forward guy, told me from day one what to expect and nothing changed after. Had a positive refi.

Jorge Sahagun

Excellent service. Very patient and willing to help. I will come back and refer her more customers.

Haoran Ling

This guy is amazing. I have taken out several mortgages in my life and it can be complicated business. There are a lot of tricks and some of the cost are hidden and hard to figure out. Mike is a consumate profession with huge expertise in the field. He could easily clarify and explain everything to me. He is very fast and he also beat the cost of the other mortgage companies I was getting quotes from. He made things much simpler for me and was alway easy to reach and quick to get back to me. He's the best and you will not find a better broker. Save time and money. Call Mike.

Quentin A Wood

Peter was very helpful in the loan process worked well for me and my family

Tony Olsen

Fastest and easiest loan process I've ever been through! Jonathan is easy to communicate with as he answers every phone call, & responds to emails & texts rapidly. On top of that, he knows his loan programs well! Grateful for the exceptional service & rate I received.

Kim Owens

Working with Montee was great. He was very available and responsive throughout the process and he took the time to answer my questions thoroughly. I enjoyed learning in greater detail about the intricacies and complex areas of mortgages.

kaleo kaluhiwa

Montee was great, he explain every detail I needed to know and what I needed to bring. We finished in great time and was very pleased! Thanks again Mr. Skorich

Jim Bakken

Our business experience with Alex has far exceeded our expectations, having had gone through several loan processes in the past, he went over and beyond to make this new loan with Optimum seamless! He made himself accessible any time we had any questions or concerns and was able to provide information with a prompt response. He gave us the utmost confidence in the outcome and explained thoroughly each step of the loan process; we feel like we've made a friend for life - thank you Alex!!

John and Rosa Molner

Great experience! This is the second time in the past few years that I have worked with Jonathan Cave and optimum first on a refinance and I have nothing but good things to say. Jonathan is knowledgeable, responsive to my questions and I appreciate his efforts in assessing what my current goals are and getting me the best loan to accomplish the goal. Thanks again! I will be back as a customer.

Terrance Brown

Great service- thanks Jason

Stephen Robinson

Sean answered all of my questions in a timely manner and even summed up the whole process in a way anyone could understand. I will recommend him to all of my friends and coworkers.

Dan Gamba

Cody was awesome! He kept us informed throughout the whole process and made it seem so easy!

Angela Prestia

I had the absolute pleasure of working with Karl Locke, who in my humble opinion is a "True Seasoned Professional". He understands the industry so well that he is sensitive to ups and downs of rates. With his experience and keen forethought he instructed me wait (which was the case when headline news about Tax Reform drove the interest rates up) and when we should lock the rate in for my overall benefit that saved me money in closing costs and monthly mortgage payment. Woo Hoo!! By Karl staying on top of all aspects of communications and co-ordination for internal and external parties through follow-up calls, & emails, he made the whole process flow so smoothly and expeditiously. I would and will recommend Karl to anyone interested in buying and refinancing as he truly cares about his customer and not just closing a loan.

E Lopez

Lee always gives us a great rate, easy to work with

Nancy Costello

I'm a very happy customer. Lee helped me in everything, explained everything, gave me enough time to clear my doubts and answer all my questions, even when I repeated the same questions later on. Always very professional, calm, straightforward and honest which is super important on this type of decisions. He is a customer oriented person. He knows what he is talking about and works even after hours or during weekends to provide you an excellent service. I totally recommend him. Thank you, Lee! keep the great work, my friend.

Arturo Ventura

I’m from the Bay Area and I’ve refinance my home with Optimumfirstmortgage company, found this company while I was searching online, read the reviews about them. Got in touch with Jonathan Cave, one of their loan officer, ask him a lot about Refi process and he patiently explain how it works. He’s very helpful throughout the process, answers all questions that I don’t understand thru emails and text/call. I would highly recommend Jonathan Cave and Optimumfirstmortgage to my friends and relatives. Thanks a lot and more power!

R. Medrano

This is the second time Jonathan has handled a loan for us, and he was equally awesome this time around! He patiently took the extra time necessary to explain our options in a clear and thorough manner, and guided us through the loan process seamlessly. With his help, we started our loan on the 9th and closed by the end of the month. He was an excellent communicator and stayed on top of things to make sure our loan was handled in an expeditious manner. Jonathan was always readily available, and worked diligently to keep our costs as low as possible. Mr. Cave is definitely an asset to your company.

Doug Mathews

Cody did an outstanding job from start to finish; prompt, courteous and detailed. I will definitely recommend Optimum First to others.

Jeff Morris

Very knowledgeable people specially Thomas. And they closed on my loan fast!

Dave Garcia

I am very happy with Jacob. He notified me that interest rates had gone down and I could refinance and save $50k over the life of the loan. He made it pain free. Jacob did a great job and if any of my friends are in the market for a mortgage or refinancing their mortgage, I will highly recommend Jacob.

Jill Schall

Peter was very helpful in keeping us up to date on how our loan process was going. He told us what documents we had to provide and kept us informed on what other documents were needed. If I had any questions and was available to answer them.

Karen Markle

I found Peter via Bankrate and I could not be happier. He made the process smooth and painless. He was always responsive to all my questions. And you can't beat getting a good rate.


Excellent, Job well done.I always rely on Karl Sasaki form Optimum First Mortgage.Whenever i needed the help about my mortgage loan Karl Sasaki made it happen.Karl Sasaki is a very much knowledgeable about the loan produces and so much of helpful to accomplice the Job. I recommend Karl Sasaki to any one seeking for mortgage loan products .Obviously,Optimum First mortgage and all the team members are fantastic.


Quick and painless way to refinance. Process was made easy by Mr. Soldati who answered questions quickly. Even heard from him after hours. Great customer service and the rate quoted and received was a plus. Thanks!

Claudia Herrera

He kept things moving. Clear communication.

Jeff Gatten

We cannot say enough good things about Tara. She exceeds all levels of customer service and goes beyond to make sure you know exactly what is going on.

Debbie Monroe

We've worked with Kelly on 3 refinances and she has been great every time. She is very knowledgable and helpful. She answers all of our questions and makes the process painless. Thank you Kelly for all of your help!

Kelli Reese

It was a pleasure working with Karl. Even with all the extra documents required by the lend, Karl made sure the process was as painless as possible.


Great person to work with and always there when need help or clarification. See you Alex on the next mortgage.

Milton E Villegas

It's hard to express how amazing this process has been! Jacob has been extremely efficient, considerate and knowledgable. We were stunned at how difficult our original mortgage was, and it was expensive. This ReFi was the smoothest, most professional and actually enjoyable process I have ever experienced! I will absolutely recommend OptimumFirst. And now I feel like I have "my" Mortgage Broker! Thank You Jacob and everyone involved! Sincerely, Rich Goodreau

richard goodreau

Very professional responding to all issues very quick ,all papers and the process finished within a week great job Sean chase my pleasure to have business with you

Amer addassi

Mr. Tim Williams is very articulate, accurate and accommodating. The patience and knowledge is outstanding and the service is without exception as witnessed throughout in my entire life where I have bought over six homes, many real estate properties and and re-finances too numerous to mention! He leaves no stone left unturned. I am personally recommending him to my friends, family and businesses. Bravo Zule for a job well done!

Myles & Evelyn Esmele

He is the best. He made the transaction very good and smooth for us.

Raj Makadia

Jacob was wonderful to work with by promptly replying to questions and providing complete information every step of the way.

Rosalind Black

Montee's customer service was excellent. I had a complicated refinancing situation and Montee was able to help and guide me through the process, even though there were some requirements that were a bit different in my case. The rest of Optimum's staff was very diligent and helpful too. I will recommend Optimum to friends and relatives.

Laura Sánchez

Peter was soooo responsive and caring.

Alia Zayat Chehadeh

I'd like to just say that Tim Williams has absolutely exceeded my expectations as far as his level of service. His communication has always been top notch and his attention to detail is second to none. Tim informed me that I qualified for a refinance at a better rate only 7 months after my first refinance. This was available at no cost to me and will save me approximately $30,000 through the life of my loan. All out of the clear blue sky. I never called inquiring....HE CALLED ME! This guy...THE FREAKING BEST. As a manager of a retail business I can honestly say Tim is a golden asset for Optimum First and truly cares about his customers and the exceptional level of service he provides them. Thank you Tim!

Alex Campagna

Kelly was a pleasure to work with. I had refinanced with her in February, and when the rates decreased end of summer, she called to see if I would be interested in refinancing without charge, which had been stated in the original refi. Kelly was efficient, professional, accommodating and personable, and made the process painless. If you wish to refinance, or get your first mortgage, I highly recommend Optimum First and Kelly Schaar.

Constance Clatk

The finest loan officer I have ever dealt with. A perfect gentleman to work with. He was efficient and moved things along very swiftly and precise. I recommend him very highly.

Kenneth C. Dees

Outstanding process, quick close. Karl Locke did an excellent job getting this done.

Roy Berelowitz

Having just completed what turned out to be an extremely efficient refinance of my condo, I wanted to take a moment to acknowledge Jason Soldati at Optimum First. From my very first phone call, he was prompt to reply to all my messages and answer my (many) questions. Through it all, his manner was always "friendly" and never was I made to feel like I was a bother, no matter the day, time or how often I contacted him. I received a great rate with great service and would definitely recommend Jason and Optimum First, they will be my first choice should there be a "next time".

Carleen Price

Cody is a great person and a real pleasure to do business with. Cody explained the complete loan process in great detail so I understood each day what was going on. He is a Great asset to your company!!

James Falbisaner

Peter was a pleasure to work with. Always got back to me in a timely fashion. I got a great rate and the process was smooth. I will not hesitate to work with him again in the future.

George Frangides

Peter was always very informative and professional and kept us updated on the entire process. He always was prompt to return our calls and I was very happy with the entire process. I highly recommend him and Optimum mortgage. Thank you so much!!

Wendy Shepherd

James did a wonderful job getting our home purchase loan handled. He worked with our Realtor, Insurance Agents, and Appraiser to get things done. He was incredibly responsive and followed up continually which helped make a relatively cumbersome process go smoothly. I would recommend James Kott and Optimum First Mortgage to anyone. A++


Mr. Karl Sasaki is awesome! We got his contact information as he was referred to us by a friend. It's the first time we tried to refinance our house and we weren't sure on how to proceed with it but Karl was very patient with us & explained everything to us in detail in a language we can understand! He persevered and didn't give up when initially we thought we're unable to refinance. He listened to our concerns and gave us helpful advise when needed. He's also easy to speak with & easily reached via cellphone or email! We definitely will partner again with him when we decide to refinance again! :)

Wil Duchesne

Made everything so easy to get accomplished. Great job

Edward whippie

Great service Mr. Cave was always very helpful, and he explain and answered all my questions making the refinancing process very easy and fast, thank you.

Robert Maldonado

I loved working with Jacob. He kept me informed at all times about what was needed and what was going on. I had other companies that could offer a little lower interest but I chose your company because I really liked Jacob.

Terry Trimble

Jonathan was very responsive and easy to deal with. I feel that he had my best interest at heart and I appreciate his help with my refinance!

Lorie U.

Excellent service throughout the process. Strongly recommend. Thank you!

Krasimir Vasilev

Jason Soldati once again did an outstanding job for us in refinancing our loan. This was the second time he helped us do a refi, and both times he made the whole process relatively painless! He was very clear from the start about what he needed from us, and didn't waste any time whatsoever. He was very responsive to our questions, and extremely pleasant, professional, and competent. He did such a great job the first time that we knew we could trust him again. I will be recommending Jason and OptimumFirst to anyone I know needing a home loan. Thanks, Jason!

Joan Bellino

I have refinanced several times in the last 10 years and I have to say work with Jason Soldati ranked up near or at the top. He took the time to answer all my questions and I never felt rushed when speaking with him. He was very professional and also easy to chat with. I will highly recommend him and your company to my friends and family. Thank you!

David Sanchez

This is my second time re-financing with Optimum First Mortgage and interacting with Calvin Lee my loan officer. At first I was skeptical since the communication was thru the phone and online due to being used to face to face interaction, but going thru the processes and the attention that was provided in order to receive the best rate possible made me very satisfied with the overall process.

Alex Ochoa

Lee Glen was great to work with. He made the whole process of our refi easy!!

Julie Lenihan

Peter was amazing. I did a lot of research on lenders and can honestly say the research paid off! From start to finish Peter guided me through the process and took the extra time needed for this first time home buyer. I will recommend Peter and Optimum First to everyone I know. Thanks again Peter!

Brittany Hammond

Ben was so awesome through this whole process and we can't thank him enough for how well he handled everything! His prompt communication on all the details large and small was absolutely spot on through it all. We will definitely be recommending him to our family and friends!! Thanks again!

Kyle Rose

I am pleased that Montee Skorich was my contact through the entire refinancing process. The last refinance I did involved so many different folks in various parts of the United States that the left hand didn't know what the right hand was doing. So much confusion and the application period had to be extended. So basically this refinance was a piece of cake. However, I now have a higher interest rate than before but did not have any closing fees and I really liked not having to have an appraiser come while my a/c was out and the annual house repairs were going on at the same time, it was a blessing not to worry about photos etc. Here it was 100-108 degrees and my air conditioner was out and my sweet disposition went out with the a/c. However Montee was patient with me even though I did not know how to scan documents. He tried to walk me through it but, you know the ole saying you can't treat an old dog new tricks? So running to Staples was not my favorite thing, but, we did it and it is done and I am happy, now the a/c is working. I don't have to hose off my German Shepard every couple of hours and fight with the cat to cool him down, so the money I receive from the refinance cures a lot of these issues. I would highly recommend Montee Skorich and Optimumfirstto anyone who is in need of a smooth refinance process. Sincerely, Nancy Pedrodalasol

nancy pedrodalasol

Awesome! Very helpful through every step of the process.

Ana Moreland

Ben was amazing to work with. The whole process took half the time and half the headache I had anticipated. Kudos for a job well done!

Gerald Speyer

Amazing process and service provided, Lee went above and beyond. Guided me every step of the way and refinance was done within days

Arnulfo Gomez

Alfredo Rivas was great! He communicated with me and ready to answer any questions. Buying a home is quite stressful, Alfredo help provided a great home buying experience!

Xa Her

We've worked with Montee for several years now; he's helped fund two homes and refinance twice. We couldn't have hoped for a better person to work with. He's kind, considerate, answered all of our questions, helped us through the difficult path of funding a home, and much much more. Thank you, Montee, for all you've done for us.

Jarred Caldwell

Smoothest, easiest, fastest refi ever, thanks so much.

Mike Kilgore

Tiffani was outstanding, But as the closing of the loan was getting close, you guys were asking for documents, that should have been included when the notary came to my house and we signed all the documents to close the loan. I know it was not tiffani"s fault because she is very professional and she has great human relations and communication skills, and attention to detail, your personnel that is responsible for the forms to be signed at the closing of the loan need to realize that these transaction are peoples homes and money, they need to pay attention, I spent $30-$40 dollars on copies and faxing fees on issues that pop up during the closing of the loan

Randy madewell

Mike was awesome to work with! He did a great job walking us through the loan process. I'm really glad he was able to help us through the home buying process.

Michele Manarino

Mike is amazing!!! I would highly recommed Mike and Optimum first to get the job done and done right. I cannot thank Mike enough for all the hours he put in and made sure that this happened for me the way i wanted it too! I am ever so grateful to him

Cynthia pelland

Had excellent service and results with refinancing my mortgage. I would recommend Tim Williams to everyone as he is the greatest. Explains everything about the process, keeps in frequent contact and updates each step of the way. Very knowledgeable and makes tje process easy. I have nothing but the best to say about my refinance.

Karen Menacker

Montee was the most professional, patient, and knowledgeable loan officer I spoke to during my 2-month home refinancing search. I spoke to 3 other companies, whose agents turned me off due to their lack of follow-up with phone calls and, overall, unprofessional demeanor. After much frustration talking to these agents, who happened to be closer to me geographically in No. California, I received a friendly unexpected email from Montee. It arrived at the optimum time, right around when I was about to give up searching for a suitable agent. So I responded to Montee, and we went from there. He was easy to work with as he carefully assessed my refinancing situation, sought out all my options, informed me of a couple of glitches (on my part financially), and then presented me with the best loan option. My refinance closed within a couple of weeks or so - very fast anyway. I highly recommend that you contact him to discuss your refinance. Once you give him the information needed to assess your situation, he will do the legwork. Aside from signing documents online, I did not have to take time off work. The notary even came to my house, and I signed documents there. If I have any suggestions for Optimum's improvement, it would be not with Montee, but with the notary. Though friendly, she was a bit disorganized and seemed a little rushed to get to her next appointment. I took my time, however, and fortunately had organized my paperwork (tabbed labels included) prior to her visit - to ensure we had identical documents. Other than that minor annoyance with the notary, the refinance process was smooth sailing. After the loan was approved, and the paperwork was processed, I was physically and mentally relieved. Throughout the transaction, I felt like I was in good hands with Montee. I highly recommend his services when refinancing your property.

Sue Cosio

Bill was extremely helpful and efficient. Recent interactions with loan officers for other companies were not good. There was too much talk about being client friendly and full service and not enough actual service. Bill didn't mince words and cut right to the chase. I would and will use him again whenever the opportunity arises to get or improve a home loan.

James Haworth

John found a solution that permitted refinancing the mortgage on a second home, a problem that had baffled mortgage specialists at one of the nation's largest banks. In achieving the refinance John successfully found solutions to a sequence of apparently insurmountable problems.

Donald E. Schreiber

I refinanced with Optimum First Mortgage in December 2016 with a "rate protection guarantee" after having been turned down by numerous other lenders. On May 27, 2017 I received an email from the original loan officer Kelly Schaar asking, "Would you like us to check rates for you to see if you are eligible to refinance at a lower rate for no closing costs?". I sent her a response email on June 22, 2017 requesting that she check to see if I could get a lower rate. She responded by email the same day and then called me on June 23, 2017. The loan funded on July 13, 2017, only twenty-one days after I had first contacted her! America would surely be great again if everyone were as efficient, conscientious and amiable as Kelly. I am truly in awe!

Lance Klausner

This was our second transaction with Jonathan. In a new purchase, with a million moving parts, he was always the go-to guy who either had the answers or found them. He was always responsive and patient with our million questions. We would highly recommend him.

Greg & Linda Dunn

There aren't enough stars to describe the service I got from Karl. My loan was complicated due to a lot of old clutter on my title. Karl was able to clear my title-we closed in roughly 30 days. I can't thank him enough and I wouldn't do business with anyone else.

Bonnie Lawrence

Excellent experience! Superb customer service! In the last 12 months I have been involved in 4 home transactions as either a buyer or seller utilizing 4 different loan providers. On the first phone call with Mr. Rhomberg, he promised me he would be my point of contact throughout the transaction and be available at anytime to answer my questions/concerns. He kept that promise. I was not handed off to any other team members after the initial rate agreement or at anytime during the extended closing process. Dan was responsive and expertly capable to work through the intricacies of my home purchase. We happened to sign our closing documents on a Saturday and Dan answered my call and provided sage guidance (sorry about that Dan).

Marc Stockbauer

I was so happy with the service we got from Peter Di Ferdinand. He is so professional and made my refinance very easy . He always took an extra step to make sure I completely understood. I've Refinanced with other companies but never had a pleasant experience , like the one I have now. Thank you Peter, we will keep In touch with you and will definitely refer you to our friends.

Marta Lostaunau

Cody Deniz was a very good mortgage loan originator. He answered my questions in a fashion I could understand. He was easy to get a hold of and returned my message quickly. I would recommend him to my friends for any loans they may need.

Barbara Loomis

Karl made our experience with refinancing our home such a great experience. I can not thank him enough for all he has done for our family.

Kelly Vieira

Cody handled our loan very well. He was always there to answer our questions. Smoothest loan I've ever done. I will definitely use Optimum and Cody in the future!

Jill Nassraway

Karl did an outstanding job with the Re-Fi - everything went smoothly and according to the schedule he provided when we started. This is my third time refinancing with Optimum and the second time with Karl and both the organization and Karl are top-notch and pleasure to work with.

Loofie Gutterman

Very thorough. Helping and guiding me every step. Give me different mortgage options. Excellent service.

William Au

His great customer service has exceeded our expectations. We had an easy communication through phone and emails and did a great job explaining the pros and cons of the different options he presented for our refinancing. We would definitely recommend him to our friends and relatives.

Jennifer Payabyab

We had such a great experience with Brandon at Optimum First. We even decided to refinance a different property through them that we hadn't planned on refinancing. We would highly recommend to anyone looking for competitive rates!

Elizabeth Abel

Tara is very experienced and professional. This was my second time workingwith her. She has been doing a phenomenal job as always. She always provides the professional recommedation for your need with quick turn around time. I will definitely work with her again!

Venus Fung

I had a great experience with Optimum First. I did everything through them and have no complaints. Being in Escrow can be very stressful but everyone at Optimum First was easy to work with and answered any questions I had about the process. Thom was very helpful and constantly kept me in the loop. He went out of his way over and over to fight for me - not to mention driving 6 hours round trip multiple times so we can look at houses. I will recommend this company and especially Thom to all my friends!

Patrick Popescu

Tim Williams was by far the best mortgage professional I have ever worked with. He made our refi process seamless while providing top notch/first in class customer service! Thanks Tim!

Ryan Cloney

Lee was FANTASTIC!! This was my first home purchase and Lee walked me through the process patiently and professionally. He explained each component of the application and worked with me to establish a payment plan that would work with my family budget. In addition, he worked hard to get me the best interest rate possible. Lee's expertise was critical in helping me understand the process for qualifying for a home loan and his ability to explain the home loan jargon made me feel at ease every step of the way. Mr. Glen was great at communicating and checking in to ensure I understood the process and the documentation needed. He sent regular e-mails and reminders in a professional and non-intrusive manner. I was very pleased with Lee's knowledge and support for my home purchase. Thank you Lee!!

Angie Baltierra

I initially contacted Lee several years ago to do a refinance based on a recommendation from a friend. I had credit issues from a previous loan modification, and after review, Lee advised me to wait a while, build credit, and contact him later. He checked in occasionally to see how I was doing, and waited until my situation was ideal for refinance. After recently running the numbers, Lee advised I secure a refinance, and I got it, for a lower rate than I was paying previously, with cash out to pay off my second mortgage. Throughout the process, Lee responded quickly to any questions I had, let me know if I had any action items, and kept me informed, from getting my credit score to scheduling the notary for closing. Throughout the process, I could see he was looking out for my best interests; he got credits for some costs; something I haven't experienced when refinancing. I could see why my friend recommended Lee, and will in turn recommend him to anyone asking.

Will Cullum

We have just completed a refinance with Tim Williams and could not be happier with the results. Tim is a true professional who was always available to answer our questions making a normally complicated process extremely easy. In fact, this is the simplest home loan we have ever done and through Tim’s efforts it even closed two weeks early! If you are looking to refinance your home and would like to work with someone with the highest level of both experience and integrity I would highly recommend Tim Williams at Optimum First Mortgage. It will be a decision that you will not regret. Thank You Tim!

Shirley Vendley

Lee Glen was nice to work with. Always professional and he made sure to keep me updated on my loan. Great job Lee and staff. I would recommend Optimum First and Lee Glen to everyone. Thank you!

Charlotte Gillentine

Jonathan made the whole refinance process a dream. His responsiveness, communication skills, knowledge and efficiency are second to none. We will definitely recommend him and Optimum to anyone we know in the market for a purchase or refinance.

Greg & Linda Dunn

Dan was great and clearly explained everything and every step of the process. There was no pressure to proceed with the loan, he just laid the options out on the table and allowed me to decide. Once I decided to proceed, the process went very quickly and smoothly and Dan was always available to answer any questions I had. I would definitely use them again for a future loan.

Ryan Gauss

Peter was a great help through the entire loan process. He contacted me moments after I requested a quote online and answered every question I had, while respecting my desire to get additional quotes from competitors. Optimum First offered the best deal and the whole process from application to closing was very quick and efficient. I would definitely recommend Peter and Optimum First to anyone looking for the best deal on a mortgage!

Blaine Hanson

Erik did a great job. Made everything very easy and quick. He did everything he promised he would and this turned to be a very smooth process. We are both very pleased.

Jeanne Hardin

nice and efficient

gang wu

I would highly recommend Rick to anybody who wants to have an honest, dependable, upfront person to help you thru the loan process. This loan was one of the easiest EVER! Rick walked me thru every step of the way and was in communication daily thru the process. I can only give a 5 star rating here but would give Rick a 10 star rating!!!! Everybody please use Rick!!! I will be returning soon!

John Nicolai

There for the homeowner - going beyond to make sure it gets done.

Nicole Moore

Lee Glen is amazing. He got my loan done with no hassle at all. He's very professional and eased all my worries. I would definitely work with him again.

Lisa Bartholomew

Jonathan is not only responsible, diligent on his work, he is also very easy to work with. We had a very short closing date and Jonathan was always there when we need to talk to him. Because of his hard work, our loan went through so smoothly and closed before the due date! Thank you, Jonathan! You are the best!!

stephan and Wendy sway

James said and did what he told me. We were very happy with refinance experience with James Kott. Thank you James

Victoria and Earl Wright

Tiffani was very professional, friendly and responsive. Excellent customer service. Looking forward to working with her in the future.

Micheal & Cheryl Van Meter

Tim was extremely helpful with completing my refi. He was able to anticipate what the underwriters would want to see so we had them ready. Very helpful and highly recommended!

Thomas Stamatio

Erik was professional and the process was fast but thorough. We found the best rate for our loan for minimal cost. I would recommend him and Optimum First Mortgage company again.


Jason made the home buying process seamless. anytime I needed something from him he was always there for me, and returned phone calls in minutes of boy seconds. Thanks for everything Jason!

Alexander Gledhill

This is the second time my husband and I worked with Peter Di Ferdinand. He was great and professional and made refinancing our home an easy process. He answered all my questions, and made us feel comfortable about refinancing our home loan. Thanks again Peter for all your help. :)

Anthony and Christina Wyrick

Rick, work for refinancing my condo. Its been a smooth ride from the start and If you're the type of guy who always want things right away, then Rick is your MAN!


Karl was on top of it yet not pushy. Great to work with!

Ellie Altshuler

Montee was by far the best find during my home-buying process! I was on the other side of the country and was looking for a very unique home to relocate around Beale AirForce Base which was very tough as I planned to keep my condo in Massachusetts and could not qualify for a VA loan and my debt-income was tough to work with. He did a phenomenal job setting me up for a 7-1 ARM for a very unique home I desperately wanted. The appraisal came under the asking price and he had to work so many different angles to make this work, but I just moved in and could not be happier. I would recommend no one other than Montee to anyone looking for a loan in this area of California!

Michael Conrad

Very professional and easy to work with. Made the whole process very quick and painless while remaining patient and understanding through out the whole time. We appreicate her hard work and look forward to working with her again.

Alexander Lopez

What a great experience. Jason was the best as he kept me informed on what was going on the entire time. He was always available while going through the process when I had questions. I highly recommend not only him, but Optimum First.

Dalon Hankins

My experience with Optimum First is simply one word; FANTASTIC. Alfredo Rivas answered all of our questions, immediatley returned phone calls and responded the same day to emails, and provided the highest level of professional service. I would highly recommend you contact Mr. Rivas if you are looking to refinance.

Larry Hudson

Optimum First was a highly professional company. Everyone with whom I had contact was very helpful. Karl Sasaki made the refi process surprisingly pleasant. Karl was personable and an excellent communicator. He was proactive, and always provided quick responses. I can't imagine how anyone could do a better job.

Diane Wright

Very professional. Went the extra mile to get loan quickly approved. Thank you

Steve Robinson

Sean was available whenever we had questions and went above and beyond to make sure we were comfortable with the direction we were going. We always received a prompt response to all communication. We hit a few bumps in the road and he successfully guided us through each one.

Janet Thomas

I liked his professionalism. Very helpful and will answer any questions. i found him a very honest loan officer.

Antonio Dizon

Jason provided excellent service from beginning to end - he always did his best to make it work for me and I also appreciate that he was in constant communication. Thank you Jason!


Tiffani was absolutely outstanding with processing our refinance loan. She exceeded our expectations, went above and beyond what we were expecting. Even though we had less than desirable credit history with a bankruptcy, she was able to find the right loan that put us on the right path to recovery. She took a strategic approach to helping us with our cash flow, allowing us to improve our credit for our next refinance in about 6 months. Tiffani, never gave-up on us, when others have.Tiffani's efforts has given us some badly needed "breathing room," we can now take a deep breath. Thank you Tiffani!

Juan Negrete

Ben was really fast and responsive to all my emails. He answered all my questions regarding my loan process. Great job Ben!

Anton L.

There are many choices you available to chose from to obtain a loan-whether a new loan or refinance . After doing my due diligence, I chose Optimum First as my lender and could not have made a better choice. I was fortunate to have Tim Williams as my loan officer. I've had prior experience with loan officers. Tim stands head and shoulders above all the rest I've used in the past. Tim delivers on all promises, is responsive, professional, intelligent, and ethical, You will not find a loan officer that is harder working, diligent, and provides superior service to his client . I would grade Tim with an A+++ as a loan officer. If you read this review and chose Optimum, and more importantly, use Tim Williams as your loan officer, it will be be best decision you make.


I have been working with Jonathan for many years. He has done loans and refinances for me, my family, and clients. No one can beat his rates, service, or his professionalism. He is truly one in a million. I will look forward to having him do many more loans for me in the future. Thank you for all your hard work Jonathan!!

Doug Canaris

Jonathan was very helpful through out the whole refinance process and was always available to answer any questions I had, thanks for all your help Jonathan.

Gerry Gutierrez

Rick Watson is awesome! He helped me throughout the process and made it painless. He cared about me and kept me informed through each step of the loan. Thank you Rick for your excellent service and attention to details! Much appreciated.

Carl Paneno

It was a quick and smooth process. Cody was always in touch and ready to answer to any question. He explained all the deal details in our first conversation, and we closed exactly as was discussed.

Igor Zavoychinskiy

Tim Williams exceeded my expectations, knowledgeable, professional, and easy to work with. I will definitely recommend him.

Marianne Valenti

Went above and beyond to get our loan closed. Thank you.

Liz s

I received very good service from Erik. He was prompt in answering any questions I had and kept me informed each step of the way as to how my loan application was progressing. I would not hesitate to recommend him to any of my friends for assistance with a home mortgage or refinance application. Thank you very much for your assistance. I am very grateful for the service I received.

Jan Hollenbach

This is my second time using Montee to refi my house. Everything on his end always goes extremely smooth. Great communication!

Nicholass Snyder

This was my second loan with Optimum. Dan was a great resource, and made himself available night and day to move the loan forward. He even drove home early from his Mom's Birthday party to help resolve an issue in a timely manner. We has several issues with the sellers, and he help me steer through the challenges and closed on time. I highly recommend him and Optimum.

Rick White

I am amazed at the level of service I received during my refinance process. The process and level of service Brian McLeod provided has totally exceeded my expectations. I have had refinances that have taken months and have strung the entire process out to the point where they had to talk me into not giving up. Brian explained the entire process and told me exactly what to expect each step of the way. I look forward to working with Optimum First and Brian in the future! Thank you again Brian for making this a smooth & positive experience!

Sandra Schulte

Tim has been an extremely responsive and trustworthy loan officer, a top-notch mortgage professional, indeed. He stayed with us over a few months until we got our house in order before we initiated our refinance application. During this time his reminders were gentle and personalized, rather than boiler plate messages. At each step of the way, Tim was on top of the process clearly communicating what lay ahead. He introduced the other team members who collaborated with him to finalize the application. He secured the mortgage refinancing within the time frame and the budget allocation he had committed to. I would highly recommend Tim Williams to others who plan to work with Optimum First to meet their mortgage financing requirements.

Tevfik Suha Ulgen

Thom Doney was great to work with. He promptly answered any questions I had, and kept me informed of progress every step of the way.

Nick Mansur

Jason did an awesome job from start to finish! He was always there to answer our questions, got back to us promptly and treated us like we were his only customers. The entire process took less time then we thought it would and we would not hesitate to recommend Jason and Optimum First Mortgage for anyone looking for a first mortgage or refinance.

Kirk and Christine Purdy

Jason did an awesome job from start to finish! He was always there to answer our questions, got back to us promptly and treated us like we were his only customers. The entire process took less time then we thought it would and we would not hesitate to recommend Jason and Optimum First Mortgage for anyone looking for a first mortgage or refinance.

Kirk and Christine Purdy

Professional and helpful

Ron Weaver

This is our 2nd time to use Optimum First in refinancing our home. It wad a great and pleasant experience working with Karl. He is very hands on and detailed explaining the process. He is there in the entire process and we are very happy.

Mike Gomez

Working with Karl is always a pleasure. He is always on top of things, making the process a breeze and stress free!

Timmy Hoang

Montee was outstanding. He made the loan process as easy as possible, always staying on top of things and keeping us informed. Our house didn't sell quickly, and when we encountered a few snags along the way, Montee was resourceful, keeping things moving forward with solutions that worked for everyone. When we called with questions, Montee always responded quickly and professionally. Eventually, escrow closed on time with a competitive rate, and we are really happy in our new home. We are grateful we found Montee and Optimum First!

Nancy Dunlap

Nobody referred PhiIip Cutchshaw of Optimum First Mortgage to me and I do not remember how I got to know him. But after closing the deal, where he worked out the refinance of my home it feels I know him from a long time and it was a pleasure working with him. For me, he is the mortgage company as I never talked to anyone else and never had to wait for even the smallest things. He addressed all my concerns promptly in a very professional and polite manner helping me build up the confidence which is important for such business. I will strongly recommend Optimum First Mortgage and Philip Cutchshaw for all your home financing needs !

Sandeep Gulati

Jason provided great service, was prompt in his responses and I feel that he steered me the right direction when I didn't know what I was talking about. I would definitely recommend Jason and the team at Optimum First Mortgage.


Wonderful easy no pressure experience. Tim was super reasonable, responsive and easy to work with. Highly recommend!!!!

Zeida Garcia

I have worked with Jennifer Sasaki, a couple of times and she is an outstanding loan officer. she is very helpful I give her a 10+ Jennifer, thank you so much for everything.

sylvia godoy

Tim made the experience as easy as possible.

Carlie McDowell

Cody made me feel comfortable about the whole process. Cody was very knowledgeable and kept me informed throughout the whole process. I would recommend Cody to anyone looking for a refinance. Thanks for all your help and professionalism. Rick

Richard Clark

After getting screwed over by Wyndham Capital Mortgage & losing out on a once in a lifetime interest rate. I got a call from Ben with Optimum First Mortgage. He came through for me and helped me with my refi and got me what I needed with NO gimmicks or false promises. His customer service and level of professionalism is awesome. Thanks again for all your help in getting this through. I will DEFINITELY recommend Optimum First Mortgage to my friends & family as well as consider them again in the future.

Helene Le

Working with Mike was easy and amazingly efficient. Mike walked us through each step so we had a clear understanding and helped us turn the loan around surprisingly quick. Highly recommended!!


I enjoyed working with Kelly Schaar at Optimum First. She was very professional, congenial, and quick to respond to any of my questions. The entire refinancing process went without a hitch. I would recommend Optimum to anybody desiring a smooth, painless mortgage refi process!

Constance Clark

This was my first time buying a home and Alfredo Rivas made the process smooth and seamless. He was knowledgeable and prompt, and was able to resolve an issue that helped me obtain my dream home. I would personally recommend Alfredo to my family and friends. Thank you!

Quoc Tran

Best loan experience I have ever had. Jacob stayed in touch throughout the process which made things simple and fast. I would highly recommend Optimum First for your loan needs.

Bruce Raymond

Karl Locke and Optimum First Mortgage have again been able to make my Refi as simple and easy at possible. Karl always keeps me up to date and informed during the process and I'm never left in the dark about whats going on. They are the best!

John Frost

I typically dread the whole refi mortgage process, but Karl Locke and OptimumFirst team made it as painless as possible. He also had a great demeanor (not pushy) and was willing to work with me as I deliberated on the timing of our lock. He clearly communicates on the options available, the steps needed to keep the whole effort on track, and followed up as I expected. I only communicated with him, which was preferred as the process was seamless. Trust me, I have worked with other brokers in the past, and Karl Locke is one of best. Lock your loan with Locke!

Ben T.

My refinance loan for my home just completed. The whole experience was great. The Loan Agent, Karl Locke was very professional.and informative. He was a pleasure to work with. I would recommend him and Optimum as first rate to do business with.

Dennis 'Westfall

Great job as always. James Kott and everyone involved at Optimum First are very helpful and knowledgeable. This is the 3rd time I've used them and they do a great job every time.

Max Gomez

Philip was amazing and really did a great job making the home buying experience a breeze!!! Robert Drenk is amazing thank you for all the help as well we appreciate you guys

Casey Collins

From the very beginning, Karl Locke provided clear and accurate information in a way that practically anyone could understand. He took the time to make sure that we completely understood each step of the way and answered all questions and concerns. I would definitely recommend Karl and Optimum First Mortage to anyone interested in saving money the painless way.

Daren and Dayna Dickison

Our refinancing experience was excellent. Bill Clark did a great job in leading us through the process. With his help, we were able to lock in a low interest rate just before the Fed increased their rate. The next day, the rate went up but we were protected. Bill kept us apprised at all times & made the process as painless as possible. I will absolutely recommend Optimum First Mortgage. I give them a 5 star rating.

Charles Garcia

Cody went out of his way to make the process easy and to ensure we dealt with any problems as they arose. I've done many refi's over the years and this was an exceptionally easy one, thanks to Optimum and Cody.

Jill Hurst

Karl was a pleasure to work with and very good at explaining things that were a bit foreign to me. I really do appreciate Karl's excellent customer service and look forward to working with him on any future requests.

Paul Villacarlos

Great service by Tara

Anthony Pecoraro

I just completed a refinance with Optimum First and I am thoroughly impressed with all that they did to make it happen. It was a very complicated loan with a lot of paperwork, but they diligently and patiently worked with me to completion. I am especially pleased with my loan agent, John Smith, who was a model of professionalism, kindness, and the willingness to keep going the extra mile. I strongly encourage you to use Optimum First and especially John Smith.

Paul Brown

Karl Locke was a pleasure to work with. He was prompt in all communications with me and always took the time to answer all my questions and explain everything thoroughly during the entire refinance process.

Bernadette Reyes

Karl was the consummate professional. He closed the loan weeks earlier than stated and was able to get a better rate at the end. He was quick to respond to all e-mails and phone calls, and always courteous and upbeat. I highly recommend Karl Sasaki and will refer all of my friends to him.

Sue Coupland

I just recently refinanced my current loan with Karl Sasaki at Optimum First. The online process was easy and Karl's excellent service and communication helped me get a lower interest rate in a short period of time. I can't say enough about how impressed I am with the service I received from Optimum First and will definitely recommend Karl and his team to anyone looking to refinance their current loan. The A+ rating from the Better Business Bureau speaks for itself! Thank you again, Karl!

Gayle Reisinger

This was our second time refinancing through optimum first. Kelly was a great help all the way to the end. If I had a question she would return my calls in a timely manor. Great experience

Alex Gonzales

Jacob Benavides was our Senior Loan Officer and he was attentive, friendly and professional. The entire refinancing process (which I was not looking forward to) went incredibly smoothly and I truly felt that he cared about making the experience a positive one for me and my husband. I would highly recommend Optimum First Mortgage and Jacob Benavides.

Leah C. Gould

Mike is excellent in helping me in the whole process.

Jeff Chang

I can't express how professional and responsive Alfredo Rivas and the team at Optimum First Mortgage were. I'd been unable to refinance in recent years, due to a construction defect litigation matter in my building. The minute that lawsuit settled, I was on the phone with Optimum. Of course, interest rates were rising as I began this process. Thanks to Alfredo and Optimum, I was able to lock in before rates went up too much more. And, the experience was very pleasant and seamless. I can't say enough about this organization and its people.


I first contacted Optimum First Mortgage on December 5, 2016 for a cash out refinance and the loan funded only twenty-five days later. I will definitely use them again in the future should the need arise. Thanks Kelly for all the good work!

Lance Dana Klausner

Jason Soldati was on top of this cycle throughout. Effective communication got right to the data needed in a warm and friendly way. Got all my questions answered in a timely manner. In fact, always got back to me quickly. And got the product as fast as could be done. Thanks, and have a prosperous new year.

Terry Turner

Alex Shik is the best mortgage broker there is. He is always so helpful and patient and I know he has my best interest at heart!

Sharon Bock-Dixon

This is the second time we have worked with Kelly and we'll continue to go back to her. The service she provides is outstanding. She's patient in explaining things, easy to contact, and is proficient at what she does. We recommended her to friends and they were just as impressed. Thank you, Kelly, for your support and dedication.

Kelli Reese

Jenny Sasaki who was our loan officer was very helpful. Our personal plans required us to be out of the country by a specific date and Jenny went out of her way to make sure everything was in place to close our refi before our departure. Thanks Jenny!!

Dave Price

Great service and prompt response! Would recommend Jason to people I know!


Cody gave us full attention all the way through the process, answered all our questions and was so available to any emails I sent, that I scolded him for checking work emails at night during family time. We would recommend him and optimum first without hesitation.

Robert Anderson

Phil did a great job all the way around. Fast, low rate, low costs and very helpful.

Andrew Glendening

Dan Rhomberg has been very detailed, pleasant, patient, and helpful during the whole refinancing experience. I have dealt with him before and it always been a very smooth and great experience. I will recommend him to friends and relatives and will contact him again for my future needs. Tanya George

Tanya George

This is by far the easiest refinance we have ever done. Phil helped us and everything was done very quickly and easily. We signed all documents electronically (except final documents with notary) and our rate was locked in as promised. I highly recommend this company if you want a smooth experience!


Thanks for the smooth process.


Jason was such a great loan officer who helped me through the entire process and no matter the day or time he was always there for me and to anewer any questions or concerns.

Lilia Campos

Sean Chase has been there all the way with me during my refinancing needs with Optimum First Mortgage . He is very professional and always provide me with any information that I need. Even though I haven't spoken to him in the phone I knew that he would response back to me as soon as possible. That means after hours or even on weekend. He is very understanding and very accommodating to my schedule since I told him that I work night shift. I must say that this is the first time that I refinanced my home that my mortgage specialist handled my mortgage needs in a very flawless fashion. Sean has demonstrated to me that he has my best interest and has worked with me until I can get the best rate that I want. I should have done my due diligence when I locked my initial rate but I'm happy because I still get the best rate possible. From now on any mortgage needs that my friends or relatives will need I will for sure refer them to Optimum First Mortgage, and of course with Sean Chase. Thank you Optimum First Mortgage and Thank you Sean Chase, for a job well done which is an A+, you have exceeded my expectation.

Rita Francisco Arevalo

Alex was awesome. He was very responsive yet patient until I made a decision. He even provided advise that was much more my personal fiduciary to build a life-long client rather than closing one transaction. As other posts say, he stood behind his promises, even after closing.

Andy Prouty

My experience with Optimum First and Ben Payne was outstanding. From the very beginning I knew that I was dealing with a first class company and representative - someone who genuinely cared about the customer and who took great pride in what he was doing. Straight talk in language that was designed for the uninitiated to comprehend. Ben was able to determine our needs and help design a loan arrangement that was perfect for our situation. An excellent communicator both verbally and in writing, Ben was always prompt in returning messages and quick to get back to me if the answer wasn't readily available. Given how laborious the process can be from a paperwork standpoint, Ben helped alleviate the agony where possible and always stayed focused on our goals and what we were trying to accomplish. An experience that I was originally dreading made about as painless as possible by a true professional. Certainly someone that I would highly recommend to anyone looking for a reputable, highly competent loan representative. Thank you Ben Payne and OptimumFirst for an excellent job and for your very good care.

Jonathan N. Fabio

I took advantage of the Rate Protection Guarantee offered by Optimum to refinance for a second time this year. I was once again pleased and impressed with the service I received from Kelly Schaar and the team at Optimum. I always felt they were working in my best interests, and my questions and concerns along the way were all addressed quickly and professionally. I doubt I'm going to get a better rate in the future, but, should that change, I would not hesitate to use Optimum First again as my mortgage broker.

Suzanne Schrag

Karl Locke and Optimum First was a pleasure doing business with. Karl was available and willing to help us and answer all our questions without hesitation. Gave us advice not necessarily pertaining to the refinance which was very generous and helpful. Loan went quickly without any significant hassles. Locked in a great rate and closed on time. We will recommend Karl to anyone we know looking for a new home loan without any reservations.Very happy we did business with him and Optimum First!!!

Gary Stephens and Stuart Saffrin

I loved working with Phillip. Phillip was very nice and patient and took the time to explain and answer any questions I had. He helped us find the best load for us and we are very happy with it. I absolutely enjoyed working with him and will be recommending him to friends and Family.

Rocio De La Cruz

Philip Cutchshaw, backed up by Lori Sharon and the Optimum First team, have helped me with both a refinance and a new home purchase. They are highly responsive and kept me up to date throughout the process so I never felt I was in the dark. Anyone who has purchased a home knows there are bumps along the road outside everyone's control. Anyone can handle business as usual and where Optimum First truly sets themselves apart is in their dedication and ability to overcome those bumps, ensuring a successful purchase or re-finance. Thank you guys for helping me get into my new home!

Armen Ayvazian

I worked with Karl, he was very patient with me. I think it took me 2 months to plunge in for a refinance. He was extremely helpful, answered all my questions and was prompt both on the phone or via email. Great Experience for me and my family Thank you again Josh


This is the second time I have worked with Philip Cutchshaw. He is very professional and knowledgeable. He represents your company exceedingly well.

Richard Anderson

Mr Peter is a great person to deal with, very professional and his level of service exceeded my expectations. I would recommend it to anyone that needs to refinance or to get a new loan. Thank you Peter, thank you for everything. Leon Vartanian

Leon Vartanian

Alfredo Rivas was hard working and closed our "difficult to close" refinance loan with efficiency and constant communication. We appreciated his work ethic and professionalism throughout the entire process. His honesty and straightforward approach were much appreciated. OptimumFirst had some of the best rates we could find. Our goal is to pay off our mortgage and only OptimumFirst was willing to fund a 20-year fixed rate mortgage with excellent rates. We would use them again and we highly recommend working with Alfredo. I only wish they were licensed out of state to be able to refinance our out of state rentals.

Ann Casentini

Philip Cutchshaw did a terrific job communicating and responding to my many inquiries. I would recommend Philip and Optimum First to my friends in advance of any other lenders I've worked with.

Steve Hoe

The best Co. and the best broker very very good.

Silvio Martinez

I have done several mortgage refinances over the past 15 years, and Optimum has by far been the most painless. Jason Soldati did an excellent job with specifying clearly what was needed with seamless communication on the process. He was also able to resolve some last minute problems at escrow signing and saved me hours of extra time.

Ray Stephens

John was great to deal with on our refi. Our experience was smooth and stress less. Any thing we had a question on John answerd the same day knowledgeably. Can't thank him enough.


Tara Schuster helped me re-finance my mortgage down to a lower rate and she was awesome. Tara always promptly answered the many questions I sent her way, and took time to explain the entire process. I will, without hesitation recommend Optimum First, and Tara in particular, to anyone looking to re-fi.


Karl Locke was a great help to us for now the second time. He made the process quick and easy, and was always there to answer any questions. Glad to have someone I can trust!

Justin Borska

Jason Soldati with Optimum First Mortgage provided excellent service while processing our 15 Year Home Loan Refinance. Jason was on top of everything and communicated effectively each step of the way. The process was so easy and our loan funded in 21 days. We are very pleased with our experience and highly recommend contacting Jason Soldati to be your Loan Officer. Thank you Jason for everything you truly demonstrated superior service!

Richard and Stephanie Meadows

I worked with Brandon throughout most of my refi process and he was spectacular. It was quick and easy.


Karl Sasaki has been great to work with from start to finish. My wife and I had a planned vacation abroad during the midst of the refinancing process and Karl was able to accommodate us and worked with us via email and docusign. The notary he schedule for the signing of the loan document was fabulous. She met with us one time at our home and completed all the paperwork in less than 40 minutes. Overall, the experience was great.

Harvey Woo

My husband and I worked with Phil Cutchshaw. He was professional and easy to work with and everything went smoothly throughout the entire transaction. I definitely recommend both Phil and Optimum First if you are looking to refinance your mortgage.

Alexandra Irons

Benjamin was great, the process was so streamlined and electronic, it was effortless. I would definitely recommend Optimum and Benjamin to my friends and family.

Alonzo Medina

Mike Timoschuk, has done multiple refinances for me on various properties and done an excellent job. He has been great to work with very quick and provides great advice and options. I would recommend Mike Timoschuk to everyone, very professional and easy to get a hold of with any questions during the process.

Mike Bains

Jason was terrific to work with. He was always available and knowledgeable. It was a seamless process.

Lisa Matulich

Kelly was incredible. Knows her stuff, advised what we needed up front, was prompt on every email interaction and was extremely patient with us. She is fantastic to deal with.

Jeff Alexander

Dan Rhomberg was my loan officer. He had done an amazing job with my loan refi. Although I had done with this process a few times with other companies prior to working with Dan. I just like to thanks and shout down for Dan one more time with his excellent customer service, expertise, and courteous. He did made my mortgage loan refi without any stress. Take care and best of luck with your career. Tho

Tho Nguyen

This was probably the best refi experience I have ever had. James Kott exceeded expectations, did an excellent job thru the entire process. I will be recommending his services to others.

David Spain

I worked with Philip on a refinance. We hit a couple of bumps and Philip really thought outside the box and found creative solutions to get it through. In the end we closed, saved some money and had a relatively painless experience. Thank you very much for a great experience!

Sarah Gulotta

Finding Rick with Optimum First was a godsend. I’ve gone through 5 mortgage processes in the past, and this was by far the easiest and best experience I’ve had. Rick emailed me his offer, unlike the other companies I contacted that jumbled figures around on the phone. He was very transparent about their offer up front without the need to run a credit report. The offer Rick provided was the best I found by far. I found him to be very experienced and honest, and he was proactive about nailing down any potential issues that the lender might have. Each step of the way he laid out my options, along with pros and cons, and what to expect and when. I am thoroughly impressed with the morals and ethics of Rick and Optimum First. I’ve already told 5 people about the great experience I had, and will likely do business with them again in the future. Thank you so much!

Dean Rosengren

This is my third refinance with Optimum after purchasing my home through them in early 2014. I have always received great service and it only gets better. This last event was the fastest and easiest and the rate was fantastic. If rates go down further, I'll work with Optimum again. Also, Karl Locke is the best! I highly recommend him.

Bill Etherton

To good to be true..their service is super. It seems unreal sometimes...


Overall Rating 10+ I had a very positive experience refinancing my home loan through Optimum First Mortgage. I worked with Sean Chase and he was very professional, honest, patient and explained the process and answered all my questions every step of the way. Sean also went the extra mile making some last minute changes to my refi which really brought me tremendous peace of mind. Sean is the Best and I wouldn't hesitate to recommend him and your company to Friends and Family. Thank you very much! Monica Armendariz

Monica Armendariz

Mark Alderton is excellent, have really enjoyed working with him.

Michael James Kent

Peter Di Ferdinand is always friendly and very helpful. Quickly answers my questions and my phone calls. He and I have done several refinances over the years and Peter comes up with the right product to fit my needs. Thank you E. M. Baxter

Eugene Baxter

Montee Skorich was amazing to work with. He was on top of everything and we were able to accomplish everything electronically in short order. So...from the 1st phone call until signing escrow papers only took 14 days! I was so surprised everything moved so quickly, especially, since I am self-employed. I had been talking to 4 other mortgage companies and Optimum offered me the best deal. I highly recommend Optimum First, as I had a great experience.

Peggy T.

Alex Shik has been a pleasure to work with and the refinance was extremely smooth.

Dmitry Khvatsky

I was originally trying to refinance with Quick In Loans. They were rude and pushy and not willing to work with me. So I went online and requested a quote to Refinance. Cody contacted me and from the first conversation to the last he was nice, pleasant to work with, not pushy! He gave us a better rate, low closing costs and I am so happy that I checked into refinancing with him. There were no hidden costs and no changes to add extra fees. I would recommend him to my friends and family. I really appreciate his patience and realization that people work and cant drop everything like the other company expected. If I ever need a mortgage and refinance again I will give Cody a call.

Carol Scholte

Karl was amazing to work with. He's got such a great ability to bring you along through the process and explain complicated details around refinancing. I looked forward to talking with him at every step, and he went out of his way to make things as simple as possible and really make us feel like we were in control and well informed. I would absolutely work with Karl again and wish him great success - anyone would be lucky to have him as part of their team.

Phil and Maggie Goddard

Great service and they worked hard to get me a good deal.

Joshua Root

This is the second time I conduct business with Optimim First Mortgage and I have received great customer service both times. It's been a pleasure working with them once again. Thank you Ms. Buck for your professionalism and your timeliness.

Hilda Zambrana

I want to thank Karl Sasaki, and congratulate his manager…he was very friendly and helpful, and a true pleasure to work with. I have already recommended to several friends that if they are looking into refinancing, they would do well to work with Karl.

Allyson Etherington

I seldom write reviews but my experience with Optimum First was outstanding and worth writing about. My loan officer was Tim Williams and he was extremely knowledgeable, professional and responsive. He provided detailed answers to all my questions and was on top of every detail about my loan. When there were forms to sign, he highlighted everything so I knew exactly where I needed to sign. He kept me appraised on the progress of my loan throughout the process and we closed in just over a month, plenty of breathing room on the 45-day lock that Optimum provided. I would not hesitate to recommend Optimum First and specifically, Tim Williams.

Robin Goldstone

It was such a pleasure working with Doris Fedolak again! I had done other mortgages with Doris, and took a chance that she still had the same cell number - and I was in luck!!! She is very professional and thorough - and she gets everything done in a timely manner. She worked for us and with us - it was a great experience. I will definitely work with her again!

Karen Sharp

Alfredo has been help me a lot. and very kind. Thank you so much Alfredo!

Masako Takahashi

Karl Sasaki delivered on what he promised. I was very pleased with the entire loan process and Karl was very easy to work with. I will certainly send referrals his way.

Raymond Ponce

Peter Di Ferdinand did an excellent job! He was on top of things throughout the process. I will use Pete and Optimum again when the time comes.

Greg Conk

I am very pleased with Optimum First Mortgage for providing me excellent customer service. Brandon Castaneda and Spencer Champaneri made my refi experience very easy and completed the whole process within the targeted date. They both are very informative, responsive, and communicated with me consistently during the whole process via email and as well phone calls. They are both very professional yet friendly, and I recommend them to anyone who needs a new loan or a refi.

Mulu Afework

We are repeat customer of Optimum First, and once again had a very good experience. Karl Sasaki provided us with excellent service and helped to make our refinance smooth, efficient, and successful. Thank you Karl!

Julie Woo

Optimum and Tim Williams did a great job on my recent refinance. Tim answered all questions quickly and clearly. I have used Optimum and Tim on a couple occasions and have been very happy. I have also referred friends to Optimum and Tim with their feedback and experience being very positive.

Skipp Harvey

Philip Cutchshaw was very helpful with the whole refinancing process , he is a very knowledgeable person and made it very easy for me to get all documents needed to him, Philip thank you for all your help . Ricardo Cervantes

Ricardo Cervantes

Optimum First was great! They worked with me and kept me updated every step of the way. Thank you so much Tara!

Natalie Hernandez

I was very impressed by my loan officer, Jenny Sasaki, my loan was not an easy one to close but we got through it. Her professionalism is exceptional and I would recommend her services to my family and friends in a heart beat.

Rosemary Leon

I had the incredible fortune of working with Sean Chase at Optimum First for my refinance. I could not recommend someone more strongly. Dealing with this amount of money and this important of a transaction is a terrifying thing- especially for someone like me who is still a relatively new homeowner and this was my first refinance. Through Sean's unbelievable level of dedication, communication, and integrity he inspired more trust in me than virtually any other professional I've ever worked with. He responded to my e-mails immediately and thoroughly. He answered- promptly and clearly- all of my never-ending, probably very basic questions. He secured for me what I am absolutely convinced is the lowest rate that was humanly possible at the time of my refinance. And he did all of this with kindness, enthusiasm, and warmth. I left this experience not only being overwhelmingly satisfied with how my refinance proceeded- flawlessly- but feeling like I met someone whom I will be thrilled to recommend to others for years to come. Thank you, Sean!!!

Kevin Lewis

I want to compliment Alfredo Rivas on getting my refinance mortgage loan completed in record time. I know he had to spend extra time to pull things together after some of the data was modified by me but he did it without complaint. I sincerely appreciate his outstanding work in getting this loan started right. He did not pull " sale talk " , he was honest. I feel comfortable dealing with him and trust his integrity. I will refer all my family and friends to him. Thank you again.

napaporn j nishikubo

I wouldn't refi 3 times if you weren't the best!!

Carol Baer

Mr. Philip Cutchshaw had tremendously provided us outstanding service from the beginning to the end of our refinancing process.

Faafou T Teleai

I would like to recognize Tim Williams from Optimum First Mortgage for his professionalism and relentless pursuit in making sure his clients had a wonderful experience. He was always available and very detailed in his communication. He listened to concerns and looked for ways to resolve issues, even when they were not within his control. I would recommend Optimum First Mortgage and Tim Williams to anyone who needs a loan or looking to refinance. Tim's knowledge in the field of home mortgages is "top notch", no one better.

Brian Betti

James did a great job on our refi. He made the process quick and easy. James is very professional and very proficient at what he does. Thank you so much. Frank and Chris Marangi.

Fran Marangi

I had a great experience getting my home refinanced through optimum first. I'm self employed so the precess was more complex for me than an individual with a w2. Phil at optimum was able to get me through the process and save me a lot of money. I'll be using them again the next time I need financing services.

Ben Allen

Closed loan quickly with only appraisal fee

San Loi

I refinanced my house to a 20-year mortgage and I was very satisfied with Optimum First. In particular, Rick Watson is an outstanding lending officer. From the initial contact via email, Rick has been very responsive through every step of the refinancing maze. I definitely recommend Rick Watson and Optimum First.

Gil Granados

Refinancing was extremely easy thanks to Mike.

Maureen Delmonico

Outstanding, efficient and professional

Janet Davis

Excellent Service from Benjamin!!!

Gabriela Vix

Cody got it done in an easy and fast process. Thanks Cody!!!

Ron Woodruff

Karl Locke and the Optimum First team are amazing to work with. This is the third time I've looked to them to help me refinance. They are helpful, they explain everything, and work hard on your behalf. I trust them a great deal and can't recommend them enough!

Shawn Stewart

Karl was extremely professional and truly a pleasure to work with. I would recommend him to friends and family.

Corie Scott

Montee was great and did a wonderful job.

Fred Heene

If you're thinking about refinancing your home, there's only one place to go, Optimum First! It took me only 10 days to refinance my home and save over $200 a month with no costs. Loan Officer Karl Locke did an outstanding job, and if I ever buy or refinance another home I'm going back to Karl!


Erik was fantastic to work with and went the extra mile! I would highly recommend him to everyone!

Aaron Castleton

Jenny Sasaki has been a pleasure to work with. Jenny was referred to us by another happy client and we are glad that we decided to work with Jenny and her team. I have already recommended Jenny to others and will have repeat business with her as well.

Dan Peck

Jenny Sasaki is amazing! Will refer friends and look forward to working with her again.

Guillaume McIntyre

Jason was great to work with. If we need to do this again, we will call him. He's professional, efficient, very knowledgeable and kind.

Priscilla Sotelo & Jose Rios

Cole David was wonderful. He was kind, courteous, and very on top of everything. He was great about communication, letting me know exactly what was going on and what to expect. If I had any questions, he would respond immediately. Five stars isn't enough! Cole represents everything that is good about customer service.

Kristin Tosello

Doris fedolak was great. Worked as fast as ever, and explained everything. I recommended her to 4 other parties already

Adam Powell

Excellent service, the best. Very professional, ethic and transparent like no other before.

Dr Joel Louis-Herrera

Cody went above and beyond to put this deal together. With rate changes, appraisal challenges and the ever moving travel schedule of my wife and myself, he stayed on course and made it happen. I would, and have, recommended him to friends and associates.

Vernon Blom

Alex was professional and patient when I became frustrated with the requirements to secure a registered. He deserves a gold star!!

Claudia Davis

Timely and seemed to have our best interest in mind throughout the process.

Paul Lauesen

Mike Timoschuk was a true professional. He was quick to respond to any questions we had. Mike and his team made the process flow so smoothly, we have very few questions. We always knew what the next steps were in the process and what to expect. I have already recommended him to friends looking into refi's.

Steve Caron

Would use again, very helpful and supportive through the whole process.

Ron Hoefs

I started my loan application with Karl Sasaki on June 24th and it got funded on July 29th. This is the quickest loan approval I've experienced. Thank you very much for the fast service Karl and the way you handled everything was very professional. I give you 5 stars.

Thelma Fajardo

Very professional, honest and will explain every step and every signature as to why it is needed. I will definitely use them again!

Grace Canovas

Kelly Schaar was very professional and helpful


Mark and his team were first rate. This is my second opportunity to work with Mark. Both times were exemplary. A++ all the way.

Ralph Boyd

I worked with Alex to refinance my home for the first time. Alex was able to compete and beat out all the other competition. Alex went above and beyond with his services. In the month of refinancing I was getting married, as stressful as that was Alex was able to make the refinance process very smooth. I cannot wait to work with Alex again on my next refinance.

Richard Ballare

great services and always followed through on her promises

terry miller

Tiffani Buck was awesome to work with. She was very responsive and kept us up to date throughout the process. Everything went smoothly and quickly with our refi.

Mel & Michele Warren

I will highly recommend Cody and his team, late into our Refinance we found that we had an issue with our Title. Cody and his team provided us with the information needed to work with the companies who were incorrectly listed on our Title and hung through the lengthy process of getting the Title Cleared, once that was done the Team at Optimum First jumped on our loan and got us taken care of. Highly recommend working with Cody and the rest of his team.

Alan Armstrong

This is my 2nd refi with Karl Locke and Optimum First. In both cases, the process ran smoothly, and Karl was proactive throughout. I highly recommend Karl and his team at Optimum First for your mortgage refi needs.

Charles Asman

My wife and I have now financed/refinanced with Karl Locke at Optimum First three times in the last two years. Karl has been nothing short of spectacular in getting our loans done quickly and professionally. To top it off, I rest easy knowing that Karl continues to look at current mortgage rates and how they compare to ours and always gives us a call when the opportunity to refinance arises. I highly recommend Karl to everyone, whether they need a new mortgage, to refinance, or just to learn more about mortgages in general, as he always has time for his clients. Thanks Karl!

JJ Figlin

Lee Glen did a great job of keeping us informed through the entire process. He closed our loan quick and was a pleasure to work with. He is now my personal mortgage consultant.

Sharon Naake

I worked with Alfredo during my refinance process. He was very informative through-out the process. He helped me understand various options so I can make the best decision for my situation.

Jigar Chudgar

Our loan process was fully completed within 3 weeks and each step was clearly presented, overseen by responsive staff, and questions were quickly answered by our representative, Karl Sasaki. He and his staff did everything he represented they would do. We do recommend them if you are considering a home loan.

Arlene and Heinz Hercher

Karl Sasaki did a fantastic job for us. My wife and I cannot be any happier with the service that Karl provided. He was upfront about the cost and rate and delivered on the promised rate and loan costs at closing. He kept educating us during the whole process and was extremely prompt to reply to any queries we had. We were a bit nervous in the beginning with dealing with an out of town lender but the first phone discussion with Karl took care of all the worries we had. I got estimates on rates and closing costs from 4-5 different lenders in Bakersfield but nothing came close to what Optimum First offered. The Life Time Rate Protection program offered is absolutely amazing and unmatchable. I will certainly recommend Karl Sasaki and Optimum to anyone for their loan needs. I give them 10 out of 10.

Faisal Latif

I had talked to 4 other companies to do my refi before I was referred to Alex with Optimum First Mortgage. I walked away from one guy who I didn't trust, 2 others because they were condescending to me because I'm a woman, and the fourth just couldn't help us. I'm so happy that we found Alex. Alex provided the best and most courteous service. He got us through it and helped get our loan approved. I would definitely use him again and recommend him to all my friends and family.

Sara Lari

Easiest mortgage I've ever transacted! When I first contacted Peter Di Ferdinand I could tell he was competent and transparent. I felt very comfortable doing business with him. Would definitely do business with this company again.

Brent Reid

James Kott just got me through a refinance with very little effort on my part. Thank you!

Uri Frodis

A big thank you to Tim Williams. Not only did he help us with 1 refinance but 2. Tim was honest, he answered all the questions we had from beginning to end. He walked us thru step by step. He made the process very easy and very comfortable with refinancing our home for a 2 second time. All thanks to Tim we are no longer paying for Morgtage Insurance. I 100% recommend Tim Willians with Optimum First Mortgage.

Wendy S

Optimum First has been top notch from start to finish. Mike Timoschuk helped me every step of the way with all my questions and concerns, while aiding me in understanding the process and also getting us the best rate possible. Couldn't be more satisfied, thanks Mike!

Michael Scales

Literally made my first home loan experience amazing, I always felt informed and guided through the process. Jason helped me be familiar with any unknowns and felt like a friend more than a loan officer, will never go anywhere else for any home loan needs!! A+ top notch

Jason Helms and Jillian Nolan

Montee was fantastic. He was knowledgeable, helpful, and very friendly.

Chris Wright


Tyann Dechambeau

Great experience with my refinance. Mark and his team were very responsive and made the process easy and stress free. They knew what they needed from me and there was no hassle back and forth during the process.


Working with Phil is always a pleasure. He's professional and prompt with his service. I will definitely recommend him to anyone I know looking to refinance their mortgage!

Jessica Seri

I did my refinance with Optimum First company. My loan officer, Kelly Schaar, provided an excellent customer service and my loan closed and funded in a timely manner. If I need to refinance again in the future, I will use this company and definitely I will ask Kelly to take care of my business. I highly recommended this company for any loan service.

Zahra Azadbadi

I had a great experience with optimum first and the services that I have received from "Alex Shik" are simply outstanding!!!, absolutely no surprises at all. He executed on what he told and exceeded my expectations! I wholeheartedly recommend him as the first person to reach out for any of your future mortgage needs. He is not only knowledgeable but the way he handled my application was incredible! I did refinancing and my application was unique in many cases and he dealt with all of the issues without hesitating to reach out to whomever it is by keeping me informed and guiding me through the entire process. I had experience with other lender agents in the past where they simply left me in bizarre without any guidance or initiative from their side, in dealing with the similar issues. I am confident that he would help you in every way he could no matter whatever issue that may arise during the process and guide you to the entire process until the loan closes. He delivers on what he promises and his services are exceptional and I am sure you will be pleased and his services will exceed your expectations. I would highly recommend " Alex Shik" and "Optimum First" as the first place to go if you ever wanted to deal with your mortgage needs. I was so impressed with their service and any I would go with Alex for any of my future needs, it was a great pleasure to work with you Alex!

Naresh Veeragoni

Brandon Castaneda is excellent at what he does. He was timely, responsive and got me a great home loan.

Chris Stehman

James made a difficult process easy and seamless. He always answered my questions and kept me informed of where I was in the refinance process. A very pleasant overall experience!

Cheryl Reinman

Peter was great to work with; he made the process seamless. Answered all my questions and kept me at ease during the process.

Honesto Breiz

Great customer service and unbeatable rates. Phil was great in answering all our questions and providing timely support. Would definitely recommend!

Joseph Giliberto

Jason is highly knowledgeable about the loan product and process. He streamlines the process and is a great communicator. Will definitely work with him again!

Dianna Jaynes

My wife and I worked with Dan Rhomberg for our refinance. Dan was very polite and extremely professional during this entire process. Dan took his time to reply to and explain / answer any and all of the questions that we had, and there were quite a few! A few times for a second or a third time until we could understand a particular piece of the refinance puzzle! My wife was so appreciative as to how Dan kept us informed on each step of the process and went the extra mile when we were both traveling, thus getting the process completed. Very positive experience and we will definitely seek Dan out in the future should the need arise.

Mark Pyatt

Lee is all you could hope for in a loan specialist: knowledgable, communicative, repsonsive and prompt.

T. Fontaine

Working with John Smith over the years has certainly been rewarding. He has done an outstanding job, always to the point and his follow thru has been outstanding..Optimum First Mortgage has to be happy to have such a high caliber person on their team.

manny padia

Montee Skorich ROCKS!! He communicated with me throughout the whole process and reassured me the whole way. we closed before end of month and saved me a ton of money. Thanks again Montee,

Guy Z.

Optimum First did a fantastic job helping us refinance our home. From start to finish, they were on top of it. The paperwork went smoothly and the communication from James Kott was excellent. Anytime I had a question and contacted James, he responded within 10 minutes. Now that's customer service! Thanks James and Optimum First for making this experience a positive one.

David Revere

Alex did a wonderful job at keeping me informed of my different options all the way through the loan process. He is extremely prompt with his responses and was able to fast track our loan to close in under 30 days! I will be referring all of my colleges and friends to utilize Optimum First Mortgage!

Edward Pattee

It's not my first refinance, I had experience with many other lenders. Optimum first mortgage, especially Karl Locke, are doing the best ever. Best rate, minimum charge, fast to close! Thanks Karl and Optimum First Mortgage.


I believe this is our third or fourth loan with Peter and as usual things went perfectly. We would never use anyone else.


The loan process went very smoothly and your loan officer Erik Board took very good care of us, keeping us informed of every detail of our refinance. We appreciate the help he provided and would recommend him to anyone looking to refinance or get a home loan.

Derrick Patterson

Karl Sasaki is a dedicated loan officer. He was amazing through the whole process. Couldn't be more pleased with the efficiency of how he does business.

Teresa Geyer

The people that work with us in refinancing our home were very knowledgeable, Alfredo guided us through every step of the way. Alfredo is very respectable and kind, we were blessed to have worked with him.

Mario Moreno

I've refinanced a few times ( 1st & 2nds ). This was the best experience by far. What he told me and what happened was no difference. I truly mean it! I've been told some BS in the past but this guy won me over with his truth & reality from the start. I hate to deal with winy chiselers, red tape & paperwork! Erik Board is the greatest!

R ichard Watts

I had the pleasure of working with Karl Sasaki. He was very knowledgeable about current market conditions and trends, and kept me up to date and answered all my questions promptly through the the entire process. He helped me to refinance my home, get a lower interest rate, no more mortgage insurance and thus a much lower monthly payment. Even with my somewhat unique work situation and history. I truly appreciate all he did. Thanks again Karl!

John Murphy

Excellent, very personnel service. would highly recommend.

J J Costello Jr

I worked with Jason Soldati to refinance my home. He was always available to take my calls, patient with my many questions, and his rate was the best I could find. He kept in touch from start to finish and was my sole point of contact, which is a huge time saver. The process went as smoothly as he promised and I've been thrilled with the results.

Scott C

I received excellent professional and friendly service from Mark and his team!! I have already recommended him to one of my colleagues. Many thanks Ken

Kenneth R Moore

Montee is a very knowledgeable person and very efficient, He always find the best rate with efficiency. Montee is te right person to achieve results.

Abramo Giampedroni

I worked with Alex Shik and it was a pleasure working with him. He was available even on holidays to answer any questions for smooth processing.

Jai T

We are so happy to have made the decision to re-finance with Optimum First Mortgage. Not only did they get us the best rate possible, but the customer service provided by our Loan Officer Bill Clark and his team was second to none. He worked with us from start to close of the loan, helping explain the process and answering our questions every step of the way.

Scott Ohlendorf

Karl is the best! Just did my third refi with him - he calls me every time he can get me a better loan. My new loan is saving me 80 bucks a month with no increase in the loan balance. Nice!

Herb Kimpel

I highly recommend Optimum First Mortgage. The FHA streamline refinance process offered by Optimum First Mortgage couldn't have been easier. Even though we locked in at a certain rate early in the process, I found out near closing that they were able to drop the rate even lower due to great interest rate market conditions. My loan officer was Alex Shik who is an outstanding communicator. He responded to my email and phone calls in a timely fashion and answered all my questions. I won't hesitate to go back to Optimum First Mortgage the next time I'm in the market for another mortgage refinance loan.

Oscar Rodriguez

I have used an online mortgage broker in the past and can say Bill was far superior in his service. He was very patient with all my questions and very quick to respond. I felt he was very transparent, which is important in such a big commitment like purchasing or refinancing a house. I would definitely recommend him.

Laura Graziano

Optimum First Mortgage was a great company to work with... they followed through with what they promised they would do, which is rare in this day and age. Thank you Kelly Schaar for helping us through the process, you were the best!

David & Susan Burkett

Cole David was most helpful to me in my quest for getting a loan. He was prompt, professional and most kind. I would recommend him to anyone who is looking into a loan. He is the BEST. Lisa Pedersen

Lisa Pedersen

My wife and I haod a great experience with Mark Alderton and Optimum...Very efficient, answered all our questions, very professional. I would highly recommend their services.

Chuck Garcia

Calvin Lee took very good care of me. He was very professional and honest. He did not give me the run around but rather told me what and what not to expect. I have dealt with other lending institutions and I must say that Calvin's help made this financing an easy transaction.

Theresita de Jesus

Once again, awesome service by Dan Rhomberg! He's actually completed three refinances for me for all sorts of reasons: removing mortgage insurance, lowering interest rates, cash-out refi...and every time it's been a superb experience. I think the entire process took about three weeks and Dan kept to his word and got me the rate I wanted and I was able to cash out some equity to do some home improvements. Optimum First Mortgage offered way better rates than any of the large banks that I spoke with and I would use them again without hesitation.


Just completed my 15 year fixed rate refi with Optimum First and I am one very satisfied client. Mark Alderton IS the man! Together with his assistant Maria, they got the job done in a timely manner. Mark is very knowledgeable and was either always available or got back to you if you had any concerns. Thanks again, Mark for making the refi possible. Best of luck to you, Maria and Optimum!

Rose Marie Roca-Duncan

Karl was a pleasure to work with. Very thorough, honest and a straight shooter. There were absolutely no surprises and we appreciated his dedication to getting our loan refinanced.

Karen Chin

Our agent Lee Glen was helpful and informative. This was a second time refinancing our loan. The service was quick and easy, and I would recommend Optimum First to friends and family.

Elizabeth Castro

Alfred Rivas provided excellent service. I'd repeat business with him any time.

Michael Feroz

Wow. I am so Impressed. I was scared to do the Re-finance thing, thinking it will be a headache. Tara took care of everything. I was worried for no reason. She did all the work. Five star. Will Recommend you guys to my neighbors too. Thanks Again. Ras

Ras Guru

Kelly was awesome to work with. She was very helpful and patient. She made the process feel painless and went out of her way to make us feel comfortable and valued.

Kelli Reese

Kelly Schaar was outstanding and I am LUCKY she got ahold of me !!! I was going to refi with my old Rocket Refi Company when on a whim i decided to shop around , with that said i was given some pretty good qoutes and even was in the process of going with another lender had the appraisal done and was about to sign when Kelly cotacted me and was able to get me an increadible deal and I am indebted to Kelly for all the hard work she put in on my Refi.

Jaime I Alvarado

The service provided was excellent. Knowledgable staff, considerate, hassle free experience. Alex S. was a pleasure to work with.

Renita Romero

Very responsive, informative and direct.

Fred Magno

2nd time working with Karl Locke and all i can say is "WOW" - his level of partnership to move things along quickly is second to none. Would highly recommend working with Karl and team. From the first call to the signing we were kept informed all the way along the process to funding.

Michael Anas

Erik Board expedited the entire process of refinancing our house. Everything was carefully explained and went smoothly. The whole process was relatively painless.

John Avila

I want to elaborate on the excellent customer service Montee gave to me along with the compassion he had for my parents, especially my dad. We had a tender "title" situation and Montee went way above the call of duty to help. He made phone calls that he didn't have to make, scheduled notaries more than one time, and when push came to shove-he went to management to plead understanding to my unique case and WON! Its very seldom you experience people who care about people, and not the bottom line. You will find this in Montee and the way I can pay this forward is to recommend him and Optimum to everyone I have the chance to share my experience with. Thank you to the Montee and the team at Optimum!

Lisa Glendinning

Thoughtful, efficient, helpful. I have used Montee twice and highly recommend him for a refi. Would contact him first for any loans I consider in the future.

Jan Curry

Peter Di Ferdinand is the best! Always available, attentive and above the boards. And it helps that no one can beat his rates.

Eugene Bolotin, Ph.D.

Kelly Schaar is the best, she is very responsive and goes above and beyond to make your transaction hassle-free. I highly recommend her for all your lending needs!

Elizabeth Abbinante

This is my third refinance with Lee Glen at Optimum First Mortgage, and I have recommended him to several friends and colleagues who were also very please with his service. Lee is responsive, informed, polite, helpful, and honest.

Christine Bourdon

Great work, efficient, fast service and reliable.

Karla Aguilar

We are very impressed with Opimum First service. I was unsure, since this is an online/phone/long distance processes but you have convinced me that this is a definite great, viable source of refinancing. Jason exceeded our expectations. We would highly recommend you to anyone in need of refinancing.

Rosa I. Jones

Our agent, Tara, at Optimum First was friendly, knowledgeable and professional, and I would happily refer her to friends or family. Our home refinance was quick and easy. Thanks!

Justin Bridges

Friendly, fast, thurough, patient, honest, reliable, professional, and very knowledgeable. Montee was my point person. He was great!

Adrian Padilla

Dan Rhomberg is always very easy to work with - he responds quickly and professionally to all questions, and inquiries, and takes the time necessary to explain his answers. Our refi process was completed in a very timely manner. I appreciate the great service we receive from Dan at Optimum First Mortgage!

Caroline Corralejo

Calvin Lee was my Loan Officer and he was amazing! He answered all of my questions and concerns and kept me sane whenever things got a little crazy. His level of customer care was awesome! I would highly recommend Optimum First Mortgage to anyone.

nancy mcdaniel

Really glad my path crossed with Alex Shik, Alex is honest and sincere making for a happy and smooth refinance. I'll turn to Alex again and will not hesitate to refer him to relatives and friends. Glad I used Optimum First Mortgage!

Ken Ross

I am glad to admit that Optimum First Mortgage is one of a kind. Obviously, Karl Sasaki is a true professional who helped me refinance my house. I various mortgage companies for the last few months but non of them had enough time to discuss my refinance goal. Ultimately I found Optimum First from Bank rate.com and decided to call them.The person who responded was Karl Sasaki, very professional,detail oriented, tremendously attentive and responsive. After discussing with Karl Sasaki initially i got the feeling that he can help me to accomplish my goal. Yes,from the start to the close of my loan Karl did everything so efficiently that i do not have to worry about anything at all. My loan closed in projected time. I will recommend Karl Sasaki to all my friends and family and anyone that needs any kind of home financing for the future. Karl Sasaki is a true asset for Optimum Finance Mortgage.


Cole David provided outstanding service! He explained clearly everything that was needed and made the process extremely easy. He was receptive of my needs and wishes and basically made himself available 24/7. Our first refi experience with Cole was great and this one was even better. I will use him again if the need arises and will recommend him to everyone I know.

Henry Esparza

This was our second experience with Optimum First. We decided to pull some money out while the interest rates are still low for remodeling. Lee was our Loan Specialist and his service exceeded your expectations. Our loan was processed so smoothly and amazingly fast! From application to signing it only took a month.

Chrissy Urinsco

Brandon is very professional in dealing with us. He is trustworthy even though we are only communicating via phone calls and emails. He always does the extra mile in serving his clients. Wherever Brandon goes, we will go with him for real estate financing needs.


This was a smooth sailing refinancing! Peter was helpful. Thanks.

Jay & Cathee Giron

Montee and the optimum first team has been a huge help again. They have assisted me through one initial mortgage and 6 refinances (condo and house) and every time has been a great experience. Highly recommend Montee and the group!

Nick auffrey

This is the second time I have refinanced with Mike Timoshuk at Optimum First. It was a fast and painless process. Mike and his team are organized, thorough, and professional.

Maureen M.

I recently completed a refinance with Optimum, and have been very happy with the level of service I received. Kelly Schaar was my loan officer. I found her to be knowledgeable, easy to reach and very responsive to all of my questions and concerns. My re-fi was a bit complicated, but she handled all the bumps in the road and was able to regroup or try something new when one avenue didn't work. I always felt confident that she had my interests in mind and was working to get the best deal and to get things to go through. Optimum also definitely lived up to their promise about the rate and no costs except the appraisal fee. I would definitely recommend Kelly and Optimum to others.

Suzanne Schrag

I had very pleasant and seamless refinancing experience with Optimum First Mortgage. My mortgage consultant Cody Deniz was very helpful and honest. Thank You.

Gennadiy Babayan

amazing service - talk about the EZ button! - clear and helpful guidance through the entire process - on a scale of 1 to 10 Jonathan Cave deserves an 11!

Gary Le Vine

Great customer service it truly exceeded my expectations. Ms. Buck made this transaction a smooth one. I definitely look forward to working with you again in the near future. Again, thank you for all your hard work

Hilda Zambrana

Pete was terrific to work with. He was responsive, helpful, professional and very knowledgable. He made the refinancing process painless. Highly recommend!

Adam Reynolds

This is my second experience with Optimum First Mortgage, particularly with Peter DiFerdinand. It has been a pleasure working with him in both instances. First to refinance, and then a complete mortgage. He was always quick to let me know what was going on and never kept me waiting. Both of my loans refunded in a timely manner, and he presented any obstacle that may arise ahead of time and took care of it. I would definitely recommend using Peter again.

Jill Arons

Karl has been so helpful throughout the entire process! He is great about keeping me updated with what's going on and provides me with a lot of helpful information during the process. Great service and rates!


Optimum First Mortgage did a great job, the representative Tiffani Buck, she is a great communicator, followed through and kept me updated in the process. Thank you Tiffani for doing a good job.

Ehsan Argand


Yanlin xiong

Dan Rhomberg was amazing to work with! He was very thorough in his explanations, communicated well, and was easy to get ahold of either through phone/email. My re-fi went through seamlessly because of his professionalism and experience. I would recommend Dan in a heartbeat! Thanks Dan! :)

Jacqueline Erlanson

Very fast, easy process. Thanks!

Rich Gould

Lee Glen was great. We had used him before. He called us out of the blue this time to let us know we could refi for a lower rate than before. Went quicker than time before. Will recommend him to whoever i can. Thanks again

Alex Bland

Mike Timoschuk of Optimum First Mortgage is true professional as a mortgage broker. I contacted Mike a couple of days before my wife showed up for a four day house hunting trip. Mike had a pre-approval letter in my hand before we started looking at the 40+ house we were interested in. We ended up making an offer on day 4 of our trip with a 21 day closing. By day 7 Mike had all the paperwork ready to go! We could have closed in 13 days, but had one hiccup with out PO Box and physical address on the IRS document. Even with the hiccup we still closed in under 30 days. I would (& will) be recommending Mike Timoschuk of Optimum First Mortgage to anyone looking to buy or refinance a property.

John C. Nicholson

Lee did a great job

Steve Harris

I will like to recommend Philip Cutchshaw, he was very supportive and helpful in getting my refinance approved.

Yolanda Mariscal


Aaron M. Volen

Great service from Lee! Will definitely go refinance with him again

Albert Lau

So professional and can depend on..

Karolyn Son

This is the third time that I have worked with Optimum First and with Karl Locke and I have to say, they are doing it right. Otherwise, I would not be a repeat customer. I highly recommend both Optimum First and Karl and would definitely work with them again.

Bill Etherton

With my second refinance Kelly did another great job. She is a great communicator and trustworthy. Even though we have never met face to face, I highly recommended her and Optimum.


Peter was awesome regarding his diligence in getting this refinance accomplished. Always returned my calls and/or emails in a timely manner, and always had answers to my questions. To say the least, I am very happy with his professionalism and would highly recommend Peter for you loan needs.


This is my second refinance with Optimum First, and the process was very smooth and easy. It took just under a month from first email to loan being funded, and with no loan cost and a lower interest rate, what is not to like? I will definitely use Optimum First again in the future.

Colin S.


Yolanda Acedo

Great communication and the loan closed sooner than expected!

Scott Jones

This is the second time I have worked with Optimum First for a home mortgage re-fi. Probably the most painless experiences when I think back on the number of times I have needed a mortgage or a re-fi. Great working with James Kott as he knows what he is doing, simplifies the process, and tries to not make the process a hassle for the homeowner. Another great experience! Thank you!

Ray and Stephanie

Philip Cutchshaw and team at Optimum First Mortgage hit a home run with my refinance loan! They were very professional throughout every step of the refinance process and they secured the LOWEST rate I could find! I would highly recommend using Optimum First Mortgage if your in the market for a new loan. They are helping me save over $350 a month on our new loan! Thank you Optimum First and Philip for making the loan process so seamless from start to finish!!


Mike Timoschuk was great. The process was fast and easy. He always return our calls and answered any questions we had. Would use Mike again.

Gary smith

Good job!

Melvin Shaver

This was the second time I have utilized Optimum First Mortgage for refinancing my homes. Rick Watson did such an outstanding job the first time that I did not think twice to allow Optimum First Mortgage to do my refinancing again. This time I had Rick do both my houses. I have refinanced my houses numerous times and no other firm has been as fast and efficient as Optimum First Mortgage. Rick is one of the best I have worked with and I have recommended several friends to him because I know he will help them accomplish what they want. Keep up the good work Rick and Optimum First.

Ignacio H Lopez

Kelly Schaar at Optimum First is a true professional. She works hard to get the best possible deal. Very good experience!

Julie Lang

Optimum was awesome. Easily the best mortgage company we have worked with. Got the whole refinance done in about a week. A+

Scott Sommer

Jacob was very responsive to my needs. He always answered my questions in a timely manner. He made sure I got the best loan for my needs.

Sam Vargas

Had a great experience, Thank you Cody Deniz for all your help and the quick return.

Lori Norman

Mike was excellent in efficiency, communication, and professionalism. He clearly communicated with us every step of the way. We couldn't be happier with this experience! The bottom line (the percentage rate) beat every other mortgage company we contacted. Thank you!

Emily Sommer

Mike T was very clear and informative throughout the entire transaction. He always gave me a sense of how things were coming together. This was the first time I have used a centralized company like Optimum First and I was very pleased with the rate and service he provided. This was the best mortgage transaction I have experienced yet. I would recommend Optimum First and Mike highly.

Mark Thompson

Excellent, James Knott was courteous expediant and knew his stuff....... Great hire! Thank you optimum first.

Mike and Sylvia

Mike Timoschuk impressed me from the first phone call (when I called for information on obtaining a refinance) to the final call (when he told me my loan was approved). He kept me informed on the loan's progress throughout the process which I very much appreciated. Mike was always available to talk to me and answer questions. I was very pleased with the whole loan process and would recommend Optimum First to anyone looking for a mortgage loan.

Dennis Finley

Mike Timichuck a Senior Loan Officer at Optimum First Mortgage did a great job on my loan/refinance even though we were against challenges with today's loan process he found a way to get the job done, I would highly recommend Mike and It's always a pleasure to work with him. Thank You!

Marco Cortez

I worked with Lee Glen at Optimum First Mortgage on refinancing my condo. Lee was great to work with, making it easy, fast and offering the best rates and options for my personal benefit. Lee and his colleagues did not waste anytime in processing my refinance. This was my second time working with Lee. He is very responsive and always got back to me immediately whenever I had questions or issues. Both experiences was superior service.


My wife and I have been thinking about refinancing our house for along time. We wanted to lower our interest rate and use some of the equity for a pool and spa. However our case was complicated with a history of 2 short sales. We called around and we were turned down. I did a online enquiry. The first response was from Mike Timoschuk. I explained our situation and goals to Mike. He said he could help us. So we proceeded to work with Mike at Optimum First. Mike was extremely helpful through the entire process. As I stated before our case was complicated. With the hard work and patience. Mike was able to get our loan approved. He was also able to get the money we needed to build our pool and spa. Without Mike our dream backyard would not be possible because the other companies did not give us the time or day. My family highly recommends Mike Timoschuk at Optimum First Mortgage. They are a top notch team. Do not hesitate any longer and call Mike today. Thank you Mike for helping make our dream come true.

Bill Hinds

My refinance service was taken care of by Jason Soldati: A++++++

Jimmy Pham

Phil Cutchshaw was awesome to work with! Made the whole process extremely easy and quick. Would definitely recommend him and Optimum First to anyone!


The refinance went smoothly.

Vickie Lincoln

Very smooth process with the result I had in mind when I started. Definitely recommend Rick!


Refinancing is never easy, but this is a close as it gets. Like the company name implies, you will get the best offer first. No haggling. I would use this mortgage group again and I would recommend them to friends and family.

Jay Fenske

Mark Alderton and his staff with Optimum First were absolutely amazing to work with. This is my second loan with Mark and not only did I receive the best Loan rates in the market but the cost of the loan was the lowest I could find. My Brother-in-law is a loan broker and was my first person to go to but he could not come close to matching Optimum First Mortgage rates and fees. I highly recommend Mark (Optimum First) to the fortunate individual(s) who elect to secure his services..

John M. Ambici

Optimund 1st Mortgage is just the very best mortgage company we have dealt with, and we have used a few. Their representative Peter DiFerdinand was terrific, experienced, knowledgeable and responsive in every way needed. The whole loan process was accomplished with ease and speed under Peter's guidance and advice. We highly recommend Peter and Optimund 1st to everyone, you will not find any better mortgage company anywhere.

Linda and Bill Rose

Karl Locke was very professional, helpful, courteous & one of the finest people I have ever delt with. He was very patient and kept me up-to-minute with every process I went through with this loan! I would highly recommend him and your company has a very excellent employee! I have total satisfaction in his customer service skills , and explained everything with total professionalism!

Carolyn Hopkins

Mike Timoshuck performed outstandingly. His customer service was far and beyond our experience with the initial lender we started our process with. He was articulate, knowledgeable, confident, available and super-responsive. I felt secure with his reassurance and guidance. My son and his wife are successful real-estate agents in San Francisco and I will encourage them to send business Mike's way because of the excellent service we experienced.

Clement Binnings, Jr.

Tiffani Buck did an outstanding job with our refinance. We had been turned down by other lenders due to an issue with a recently settled HELOC, but when we explained our situation to Tiffani, she was able to find a willing lender at a very competitive rate. The whole process was extremely smooth, especially under the circumstances and Tiffani was extremely courteous and kept us in the loop the entire time. Even with the holidays, the loan was funded in just over a month from first applying. She has also promised to keep an eye on rates and if they happen to drop in the future she will let us know. THANK YOU TIFFANI!!

Mark and Liz

Maria Esparza has done an exceptional job in assisting us with our refinance. She is always available both days and nights and always courteous to answer our questions. This is our second refinance and Maria has definitely made this experience very pleasant and speedy. I would highly recommend her and this Optimum First Mortgage.

Ivan Huang

Very impressed. Lee said my refi would close by the end of the year (30 days) and it did! He was prompt and professional. And he answered all of my questions with patience. Thanks!

John Wynne

Everything went smoothly. I am completely satisfied. Would definitely recommend Optimum First Mortgage

patty alan

Mike Timoschuk made a typically cumbersome process simple, easy to navigate through, and painless. It was all done electronically (online) until the end when he needed actual "wet" signatures. Mike foresaw potential speed bumps and even kept in constant contact with us along the way, even during his personal vacation time!

J. Fuller

I appreciate Phillip's professionalism through this process. He did a great job of following up and keeping me informed along the way.

Jessica Seri

Philip Cutchshaw helped me to refinance my condo. I sincerely thank him for great help and his support during the whole process. I am completely satisfied with his work and I will definitely refer him to my friends and family. Thanks, Ehsan

Ehsan Najafzadeh

Jenifer was most pleasant, helpful, cheerful and a general delight to work with this second time around! i will gladly recommend her to friends!

Toni Van Winkle

Jenifer was most pleasant, helpful, cheerful and a general delight to work with this second time around! i will gladly recommend her to friends!

Toni Van Winkle

Phil did a great job in help us to get the loan approval in a timely manner. He is very professional and pays attention to the details. Also, he had always been responsible for our request either through either email or phone communication.

Tammy and MQ

My experience with Optimum First has been fantastic! Not only was Karl incredibly knowledgeable, I felt that I could completely trust his judgement and suggestions regarding the refinance options. Thank you Optimum for helping my family save money!

Max del Hierro

We just finished a refinance with your company under the careful eye of James Kott. This re-fi marks our 8th transaction with Optimum in the last 5 years including; owner occupied and non-owner occupied properties. James skillfully handled all of these transactions (from start to finish) making himself available during the whole process. He is a master at returning calls promptly, advising us as to the progress of the loan and handling any problems arise. Subsequently, we have recommended James and Optimum to two family members and other friends for their refinancing needs.

William H. Tennis

Matt Dohman is #1


I just completed the refinance on my mortgage with Optimum First Mortgage. It was a great experience. Karl Sasaki was very professional, with great attention to every detail. I will recommend your company to others.

Ellyn McIntosh

I had a great experience in my recent refinance. Cody was very helpful, talking through all the loan products available. Once I decided to move forward, the experience was very smooth!! I highly recommend Cody as a mortgage consultant!

Larry Cassidy

Montee at Optimum first was fast and professional. Great experience. Highly recommend.

Ted winiger

Dan and team were more than awesome. So far beyond expectations, cant put it to words.

Jeffrey M

As first time home buyers, my fiance and I were completely clueless. Over the course of pre-approval, making offers and going into escrow, Karl Locke at Optimum First Mortgage went above and beyond his job to make sure we understood everything that was happening on both the loan side and the property side. In speaking with Karl, he made it seem like we were his only clients and he had all the time in the world. Additionally, he brought us comfort in knowing that he had our best interest at heart. Without Karl, this process would have been unbearable.

JJ Figlin
Los Angeles, CA

Optimum First Mortgage and Karl Locke were highly recommended and rightly so. I was impressed and highly satisfied with the way Karl handled my loan from start to finish. He was very proactive, knew his product, and was highly personable. I was quickly prequalified and made an offer with a 30 day escrow. Thanks to Karl, we closed in 28 days. It probably would have been sooner if the 28th day wasn't a Sunday. I have already recommended Karl and Optimum First to someone else.

Bill Etherton
Fresno, CA

We decided to re-finance our Mortgage but were worried about the bankruptcy and low credit score we had riding on our backs. As nervous as we were about our credit standing we were even more worried about finding a company, let alone a loan officer that would be honest and really help us. With all that has gone wrong in the Mortgage field and has basically scared people into not trusting anyone, Karl was our man. Karl won our trust in the way he handled the whole process and even when we thought we might not be able to achieve the re-finance, he found a way. All we can say is that in our eyes he is a 10 plus *star* employee and worth well over his weight in gold. He made it easy for us and has made a good name for Optimum First Mortgage. I will highly recommend your Company to all I know and am looking forward to doing this all over again in about a years time. Karl, thank you so much for your honesty, trust and hard work but most of all for going above and beyond your call of duty. You are the kind of person that the Mortgage industry needs to build trust in what you are meant to do. We thank you very much for all your help and may you receive many blessings in your life, as you have blessed us.

Michael & Patricia Nunley
Whittier, CA

I was in the process of making a very important decision and had done my homework, but still not sure what direction to take. I was very leery about refinancing especially over the phone generated by an online inquiry - until I found Karl Locke. Karl made the experience pleasant, painless and informative. He listened and answered all my questions. He was extremely responsive. He brainstormed with me to find the best solution. In addition, the loan went through in record time. I couldn't have asked for a better experience in taking this very important step. I will highly recommend Karl.

Elberta Bedoar
Concord, CA

At first, my realtor and I were a little hesitant to go with the loan agent that we found online via Zillow. Now, 22 days after Karl Locke first contacted us with the initial GFE, the escrow was closed and we got the keys! The whole process has been smooth and the e-mail communication and response were super quick, which was quite a pleasant surprise to my realtor and me. I will definitely recommend him to anyone that I know. Thank you again for all the pleasant experience!

Kiyoung Yang
San Diego, CA

Our refinance was amazingly pleasant - smooth, quick and painless!! Karl was recommended to us by our son who had a great experience refinancing with him. The entire process was a month to the day from when our son emailed his phone number to me and our loan was complete! Last time we refinanced (with the company our prior loan was with) the process took THREE months! My husband and I are so happy with the job Karl did, thanks!!! We would highly recommend Karl to anyone considering refinancing!

Pam & Michael Parker
Bonita, CA

Karl Locke's assistance in our recent refinance was outstanding. He was flexible, timely and willing to explain all the details and options in clear, concise, easy-to-understand terminology - not to mention he got a us a great rate! He was very easy to work with and I would absolutely recommend his service to friends and family.

Jacob & Melissa Rannels
San Francisco, CA

We were working with another well known no-cost lender on a refinance. When they seemed to have trouble delivering on the rate they had advertised and quoted, I decided to make another couple of phone calls. I called Optimum First because of the five star rating on Zillow and the very large number of 5 star reviews. I am fortunate to have reached Karl Locke when I called. He informed me that he could immediately lock in a rate lower rate than that which I had been quoted with the other lender. I locked the rate, pulled the loan from the other place, and the loan funded 22 days later. I HIGHLY RECOMMEND Karl Locke and Optimum First Mortgage

Rich Hougey
Concord, CA

We contacted Optimum First Mortgage after talking to over 6 other mortgage companies and we were very fortunate to be connected to our loan officer, Karl Locke. I was extremely impressed with his professionalism and honesty through the entire loan process. Karl was able to get us a great loan at no cost that closed in less than three weeks. My sincere thanks to the entire team at Optimum First Mortgage and especially to our loan officer, Karl Locke.

John & Toni McCrosky
Brea, CA

Karl Locke at Optimum First Mortgage was highly recommended to me by a colleague at work. This positive recommendation was definitely warranted. Karl gave me clear instructions (both by phone and email) for what documentation he required and what actions I needed to take for my mortgage application to proceed smoothly. At the end, my loan funded after only 20 days, I got a fantastic new mortgage (with a significantly lower rate, a shorter term, and a lower monthly payment!) with absolutely no drama at any point along the way. Like my colleague at work, I highly recommend Karl Locke at Optimum First Mortgage, whether you are looking for a new mortgage or a refi on your existing mortgage.

Charlie Asman
Long Beach, CA

We would like to say thank you to our loan officer, Karl Locke from Optimum First Mortgage and all those who were involved in getting our loan funded. We really appreciated the professionalism that we received from Karl Locke during our loan process. We felt that this was a company that we could trust and do business with. Other companies, especially banks, seemed to make the loan process seem very long and were more expensive. We were very impressed with how smoothly and the short amount of time it took to process our loan. We would definitely recommend Optimum First Mortgage and our loan officer, Karl Locke, to all of our family and friends who are in the market to refinance or buy. Thank you again, Karl for making our loan process so successful during a time when we really needed someone to help us reach our financial goals.

Duane & Angela Cooper
San Diego, CA

I did both a first mortgage and a re-fi with Optimum and had a great experience both time. Karl Locke was fantastic, fast, efficient, and always thoroughly answered all of my questions. He was always readily available by both phone and email. Karl is a class act. It also helped that Optimum gave me some of the lowest interest rates around.

Neil Gupta
Daly City, CA

Hey everyone, My agent was Karl Locke. I told him I was in a hurry and I would work fast in providing all requested information. He understood that I needed and expected the same from him. We locked in a rate in about two days. Karl was a pleasure to work with and I believe we closed the loan within about two weeks or so. No, I am not related to Karl, I believe people who do a good job deserve props on occasion when the service is this good. Ask for Mr. Locke and you won't be disappointed.

LJ Odum
Laguna Niguel, CA

Our agent, Karl Locke showed remarkable patience and was extremely helpful throughout our entire refinancing process. He was able to explain in precise terms the reasoning behind the entire process and he was always available if we had question. Karl Locke managed our refinance effectively and efficiently. He was on top of all the required issues. I would highly recommend Karl Locke to my friends and colleagues.

Vickie Liu
Garden Grove, CA

Optimum First and our broker, Karl Locke delivered way above our expectations. Karl is really professional, honest, and conscientious -- always looked out for the best deal for us and worked hard and expertly to secure it. We were very happy with our initial loan. Then a few months later Karl called us and got us a replacement loan at an even lower rate -- all without ANY cost to us. When we encountered bumps in the road, Karl overcame them like a pro. A genuine delight to work with! 5+ stars for sure

Warren & Nancy Martin
Los Angeles, CA

Tim Williams of Optimum First Mortgage worked as my loan officer for a successful new home purchase loan. Tim knows the loan business inside and out and sets a new bar for clear and effective communication. Tim\'s exceptional attention to detail ensured timely delivery of all required documents and funds. I was referred to Tim by a family member and heartily recommend him in kind as a loan officer to anyone seeking a painless real estate transaction.

Omid Karkouti

My experience was very pleasant and painless. Tim Williams did an excellent job of keeping me advised on options and all information pertaining to the transaction. From start to finish, the entire process took less than 30 days. It took BofA that long to figure out I'd been a customer for 25 years! I will recommend Optimum First and Tim to any of my friends or family interested in a refinance.

Richard Harvey

My refinancing experience with Tim Williams was excellent. Out of several refinancing brokers and direct lenders that contacted me Tim had this voice of confidence. After our initial conversation I decided to work with Tim. It turned out to be a good decision. Throughout the process Tim was very professional, responsive, and informative. As his voice indicated, he was on top of everything. As a result, the refinancing process went very smoothly and the loan was approved and closed within 30 days.

Heakyung Kim

Cody exceeded our expectation. He is very professional and knowledgeable at his job. He follows up and responds quickly to all my questions and inquiries. He closed our 15yr Fixed Refi in less than 3 weeks. Cody is a great asset to the company and I would absolutely recommend him to my friends and family.

Emily Harrington

Cody was amazing at getting us refinanced! He was fast and explained everything that we didn't understand. He beat the rates that our own bank was giving us. Before we found Cody we were going with another company and the broker was charging $9,000 to refinance!!! With Cody we didn't have to pay anything but our appraisal and in the end we got a refund so we didn't really pay anything. I would highly recommend him to anyone!

Ernesto and Gigi

I can't say enough about the professionalism, speed and accuracy of Cody Deniz and Optimum First Mtg. Cody was able to offer the best rates for my home refinance than anyone else who contacted me and the whole process took less than 14days from start to finish. Thank you Cody

Frank B

Hello, Bill has assisted us many times in the past years with our mortgage finances. He has always been courteous and timely with the details and follow up. I would definitely use him again when it is time to refinance and any other money matters. Thank you, Ken Fujimoto

Ken Fujimoto
Torrance, CA

Thank you very much for a fast and smooth transaction. From your first call till the closing day, I felt that I was in good hands. You had always promptly returned my calls and were very honest about the progress status. "A" class service! I will definitely recommend Optimum to my friends and family.

Zoya Y

I was apprehensive about refinancing over the internet. In the past I had used a local broker but I found I was not getting the best rates. A check of the better business bureau and the real estate board convinced me that Optimum First Mortgage was an honest company with an excellent record. I would not hesitate to recommend the people (in fact, I recommended them to a friend who is refinancing his home as well through Optimum).

John A

It was a pleasure to work with Optimum First. Everything was disclosed upfront and no last minute surprises. Closing was seamless, easy and on time. They provided very prompt service all the way through the process.

Albert M

Optimum First Mortgage did exactly what they said they would do in processing our loan. During the process, they discovered an error on our recorded deed and took care of it promptly. We would not have known if they had not discovered and corrected it. This was really a lot easier than it was the last time we changed our loan and lender. It was nice to work with competent people.

Dale and Pam R

We are very pleased with the process of refinancing our home with Optimum First. I was especially impressed with the quick response that I would get form my loan officer. Every time I would call with a question, he answered his phone or called back right away. You just don't get that anymore.

Karry D

I did my first refinance back in 2008 with Optimum First and other lenders were telling me there was no way they were giving me that rate but they delivered. I was told about their "Rate Protection Guarantee" and how I would benefit from it, sure enough, that is exactly what happened. In 2009 my loan officer called me and rolled my rate down.

Cheryl R

I have been a Realtor for 10+ years. During that time I have helped countless clients buy and sell homes. I have also bought and sold multiple homes for myself and have come across many lenders. The Optimum First team was exceptional and met my extremely high expectations with ease. We not only closed this loan early but it was done without all the typical back and forth you see in todays lending world. Couldn't be happier. We will absolutely use them for our next purchase and will be recommending them to my future clients.

Colby C

Optimum First did for me what the OVER PRICED real estate people in my city COULDN'T! Something in my gut told me to trust them and because I did my rate dropped 1% and my PMI is gone. My mortgage payment dropped over a $100, my new car that still had over $20,000 balance, got paid off. That had a monthly payment of almost $500 so ultimately they saved me $600 a month. I know what your thinking... what kind of loan is this? Well its a 30 YEAR FIXED RATE! You heard me right so don't hesitate and give them a call. It's free to talk to them and tell them what you want to accomplished out of refinancing. Don't let being in another city scare you away from doing business with them. I was scared too but look at me now.

Nina C

We have done several refinances of properties with other companies. Optimum First is the best by far. They were easy to work with, attentive to detail and communicated with us frequently. We would not hesitate to recommend or use again.

Stan G

After working over a month with Bank of America on a refi and after them adding cost after cost to the loan, I decided to try another lender. I started working with Optimum First and after 2 weeks the loan was complete. They are easy to work with and didn't require document after document like Bank of America.

Nanette L

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