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

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

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

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

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

Great service- thanks Jason

Stephen Robinson

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

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

Raj Makadia

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

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

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

This was the quickest most efficient loan I've ever done. Jason was on top of every step of the process. I appreciated the way he explained everything and actually answered the phone each and every time I had a question or update. Thank you Jason Soldati!

Dana & Jackie Finn

Jason was very Professional with me and did everything he said he would do for me. He responded to my emails timely and was very pleasant to work with. Thank You

Charlie Bradaric

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