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Optimum First Mortgage Reviews

Rated 4.8 based on 581 Reviews

7755 Center Ave 9th Floor, Huntington Beach, CA 92647, United States

Mortgage Broker Huntington Beach

Published on
July 10, 2025
Last updated
July 10, 2025

Reviews Summary

Based on customer reviews, Optimum First Mortgage enjoys an overwhelmingly positive reputation for its mortgage and lending services. Reviewers consistently note attentive, honest, and responsive team members by name, including Vanessa, Jonathan, Erik, Kelly, Jorden, Lindsay, Jesse, Raven, Cody, and Billy Clark. Optimum First is praised not only for its professionalism and effective communication but also for perseverance and advocacy during complex loan processes. Criticisms or negative themes are notably absent among the sampled feedback.

Common feedback includes team members' punctuality, their transparency when explaining process details, and a dedication to ensuring timely closings or favorable loan terms. Customers frequently mention competitive rates, thorough guidance during stressful situations, and exceptional support, often pointing out that the staff worked evenings or weekends to meet evolving needs. Reliability and an efficient workflow are seen across various stages, from appraisal scheduling to underwriter approval.

Overall, Optimum First Mortgage is regarded as a dependable and highly regarded mortgage lender. Their reputation is defined by trustworthy, diligent staff and a seamless, results-oriented approach. Reviewers directly attribute successful home closings and stress reduction to Optimum First's process, reinforcing its standing as a mortgage service leader. Such consistency suggests a strong, reliable choice for borrowers seeking mortgage solutions.
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What Customers Are Saying About Optimum First Mortgage?

very responsive and good at communicating

professional, responsive, and incredibly knowledgeable

a great experience

unmatched patience and professionalism

goes above and beyond

exceptional from beginning to end

exceptional professionalism, deep industry knowledge

competitive interest rate and seamless loan process

a consistent and consummate professional

excellent. He is professional, dependable

Trustguide extracts key phrases from reviews about Optimum First Mortgage and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 100% of Optimum First Mortgage's customers had a positive experience.

Positive
100%
Neutral
0%
Negative
0%

Optimum First Mortgage Ratings

5

As of Based on 581 revies as of Jul 10, 2025

Optimum First Mortgage Score

100%

As of Based on 581 revies as of Jul 10, 2025

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Customer Reviews

As of Jul 10, 2025, 581 customers have reviewed this business and rated it 4.8 Star out of 5. Trustguide conducted an in-depth analysis of Optimum First Mortgage's publicly available reviews View source

Johnnyolchap rated Optimum First Mortgage 5 stars
a week ago
Vanessa at Optimum First is very responsive and good at communicating the details and protocols of the lending process. She is an honest, hardworking loan officer, who worked into the evening and occasionally on weekends to make sure we got the best service. She was able to secure us a great rate for our loan during a hectic political week that saw rates going up. She advocated for me and my family to receive a rate that another lender I spoke with laughed at and thought we "must have got the best rate in America" for that day because there was such a significant upward swing that day and yet Vanessa and Optimum honored a fantastic rate before I even officially locked it in. She could have backed out and charged us more at that point, but she didnt. Without Vanessa, we wouldn't have been able to afford the monthly payments on our house and it would have gone to someone else. We're literally indebted to her kindness. Thank you Vanessa.
ifeoluwa rated Optimum First Mortgage 5 stars
2 weeks ago
I recently closed on my home, and I’m incredibly thankful to have had Jonathan as my loan officer throughout the process. From the very beginning, Jonathan was professional, responsive, and incredibly knowledgeable. He made what could have been a stressful experience feel smooth and manageable. Jonathan took the time to explain every detail clearly, answered all my questions promptly, and ensured everything stayed on schedule for closing. I highly recommend Jonathan Cave to anyone in need of a dependable and trustworthy loan officer. He went above and beyond, and I couldn’t be happier with the service he provided. Thank you, Jonathan!
Vini Pranckevicius rated Optimum First Mortgage 5 stars
2 weeks ago
Getting a mortgage with Optimum with the help of Jon Cave was a great experience! He was very patient and thorough whenever there were questions. Had a few hiccups with the builder and negotiations, and Jon was there to explain to us the options with full transparency. Going to miss the long calls with him on the phone - and the cherry on top: Optimum offers great rates! Would not think twice before using them again.

Frequently Asked Questions About Optimum First Mortgage

How responsive and available are Optimum First Mortgage staff during the loan process?

Reviews note that staff are highly responsive, often taking calls, answering questions promptly, and providing updates outside standard work hours. This proactive communication is highlighted as a key reason for smooth transactions.

What kind of loan rates does Optimum First Mortgage offer?

Customers often mention securing competitive or favorable rates from Optimum First Mortgage, with some even reporting rates better than those found elsewhere, especially during periods of market volatility.

Will Optimum First help ensure the loan closes on time?

Reviewers describe the company as dedicated to meeting closing timelines, with staff scheduling appraisals quickly and keeping the process on track. Customers credit the team with accommodating tight deadlines and ensuring timely closings.

About Optimum First Mortgage

Mortgage Broker
Optimum First Mortgage is a company that specializes in residential mortgage lending. Its primary business involves offering mortgage loans and refinancing solutions, facilitating home purchases and refinancing transactions for clients through in-person and remote service channels.

The company operates by employing loan officers, processors, and support staff who guide applicants through the loan approval, appraisal, and closing processes. Optimum First Mortgage applies structured workflows for communication, underwriting, and tracking critical documentation, aiming for efficient loan approvals and timely closings.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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