Reviews

Review Details

• Review fromMichael C

  Date: 10/31/2023

  5 stars
  Was initially skeptical of getting a mortgage through an online company that I had never heard of. Other lenders were fabricating issues that people have had with Optimum First because they knew they couldn't beat their rates and customer service. They delivered on everything they promised. I got a rate 1% below average and closed early. Couldn't recommend them more highly.

• Review fromRobert B

  Date: 05/26/2023

  5 stars
  At first I was a bit skeptical about doing the mortgage process online, but ***** was very easy to work with and got that personal connection that I didnt miss having a person in front of me physically. If he didnt answer the phone as I called him (common people have personal life on the weekends), he always called me back within minutes! He got to know me, to better understand my situation, he got the answers to me in a timely manner and he stayed on top of me for all the paperwork that I had to sign. The listing agent called him directly and he promised her to close the loan faster than any other people interested in the house, which pushed ** over the edge for the seller selecting me as the buyer. Even with my somewhat complicated situation with divorce, we were able to easily close it on time and now I am (also thanks to *****) a happy new-home-owner. Last but definitely not least, the rates that he was able to offer me were highly competitive with the other lenders and one of the most important part was that he would monitor the rates every 5-6 months and get me in the lower rate for free if the rates drop (which I hope they will). Thank you ***** for going the extra mile for me!

• Review fromLilit G

  Date: 02/22/2023

  1 star

  Lilit G

  Date: 02/22/2023

  I fell for the bate and switch. BEWARE. I told ***** Im interested in the voe only program. ***** responded with of course we offer the voe only loan. He even quoted me an amazing interest rate. So I agreed to proceed based on that and after giving out my bank acct numbers, social, all of my personal info, (805 credit score) he switched up and said we cant do that kind of loan. Uhm hello? Why did you take my personal information and every little detail about my employment situation then after getting my bank info you tell me you dont do those type of loans. And if he found a loan it would be at a really high rate!!! wth. Why did you lie????? BATE AND SWITCH. Now Im afraid they may use my personal info without my authorization. I may file a police report to be on the safe side, he has my banking info. when I confronted him he didnt have much to say. Said I can look for another lender. I specifically told him that I get half cash, half check and wanted to do a voe only loan. He knew this in the beginning, he later turns around and says- nope just kidding. Whats even worse is I had accepted an offer was desperate for an answer but regardless of that he willingly wasted my time. I even asked for a quote and he wouldnt provide one when he promised, I had to give him a hard time so he could do as he promised. Says Ill have it in a few hours then he says oh yeah gonna make you wait ***** hours! Unbelievable. To whom it may concern: I need a guarantee that my personal information will not be used without my authorization. I will file a lawsuit.
  

  Optimum First Mortgage

  Date: 02/23/2023

  You initially applied with us to buy a home with 5% down under conventional loan guidelines. After you applied and we collected your information it was discovered that you dont make enough to qualify for the loan in which you applied. At that time you asked us if we did VOE only loans and we said yes because we do. Then we ran your scenario for these types of programs and you also didn't qualify due to loan to value and other factors. Not sure how thats a bait and switch? We unfortunately had to deny your application and at no time tried to switch you to anything else. We have informed you of the steps you would need to take be able to qualify for the homes you are looking at. We ensure that your application and documentation is safe and secure. We have over ****** past clients and over **** five star reviews online. We are the #1 Lender on Bankrate.com and we are licensed to lend in 15 states. As part of our licensing we are routinely reviewed and audited by each states governing authority. Again, we are sorry you didnt qualify and hope this information helps put your mind at ease. Please contact us at ******************************* with any other concerns.
  

  Optimum First Mortgage

  Date: 11/01/2023

  Customer initially applied with us to buy a home with 5% down under conventional loan guidelines. After he applied and we collected his information it was discovered that he didn't make enough to qualify for the loan in which he applied. At that time he asked us if we did VOE only loans and we said yes because we do. Then we ran his scenario for these types of programs and he didn't qualify for a VOE only loan due to loan to value and other factors. Not sure how that's a bait and switch? We unfortunately had to deny his application and at no time did we try to switch him. We have informed him of the steps he would need to take be able to qualify for the homes he is looking at. We ensure that all of our applications and received documentation is safe and secure. We have over ****** past clients and over **** five star reviews online. We are the #1 Lender on Bankrate.com and we are licensed to lend in 15 states. As part of our licensing we are routinely reviewed and audited by each states governing authority.

• Review fromDavid G

  Date: 09/27/2022

  5 stars
  Glad I chose ******* to help me get my refinance done. She's very knowledgeable and gave my all the information I needed to make the best decision for my needs. Hope I get work with her again next time

• Review fromKinshu G

  Date: 09/10/2022

  5 stars
  We had a very pleasant experience working with Optimum First Mortgage and with ****. **** was very prompt, easy to work with and organized throughout the process. He always took time to answer our questions and offered personalized options based on the situations. I would be glad to refer Optimum in my network and work with them again for our financing needs.

• Review fromKristina S

  Date: 08/11/2022

  5 stars
  My refi with Optimum First was easy. My loan officer was professional, great at explaining options, and responsive. He worked hard to accommodate us in a few special requests. Rates were competitive and the whole process was timely.

• Review fromStan L

  Date: 06/16/2022

  5 stars
  I attempted to refinance with two other brokerage companies before contacting Optimum First. These companies had an excellent web presence, but it was virtually impossible to reach someone to help. After failing to lock a couple of times and watching rates go up because of their unresponsiveness and unprofessionalism, I contacted Optimum First. Jarret Beach was an absolute pleasure to work with. He was easy to reach and quick to respond, whether by email, phone, or text. He was extremely knowledgeable and easily handled my specific case. He provided multiple options and surprised me with a consolidation option that I didn't know was possible. ******* remained a single point of contact throughout the entire process and ensured that I am fully informed and understood each step along the way. I cannot stress enough how easy and pleasant this experience was compared to other companies. Five stars all the way!

• Review fromWALTER S

  Date: 05/26/2022

  5 stars
  " *************************** IS THE BEST "Dear ******,From the bottom of my heart, thank you for all the arduous work you put in for me over these past few months. You made the home refinancing process a breeze, and we could not have done it without your expertise and guidance.The least I can do is write you a glowing review as a thank you. I am planning to refer you to my friends, family, and colleagues who would benefit from your phenomenal skills.Thank you again for your arduous work and expertise. You are a rock star! You are the best! and I will never forget it!Sincerely, *********************** **************************