As first time homebuyers, we knew nothing about the loan process. Mina was recommended to us by our…read morereal estate agent and many of our friends used her when purchasing their homes. Working with Mina was a dream! She explained everything simply for us and showed us different options to financing our loan that could help us save money up front. Mina is quick and responsive. She turned around our preapproval within 24 hours! I highly recommend working with Mina and her team fo your mortgage needs! We will be referring her to our friends and family.

Mina was absolutely amazing to work with. We were referred to her by our agent, which turned out to…read morebe one of the best decisions we made. From our very first call, we were extremely impressed with her knowledge and professionalism. She took the time to truly get to know us and understand our homebuying goals. As first-time homebuyers, the process was entirely new and, at times, overwhelming. However, Mina has a calming and reassuring presence that helped alleviate many of our concerns. She was able to help us close on a very tight timeline, which made our offer stand out. She also turned around mortgage scenarios quickly for multiple properties we were interested in, with varying financing options--sometimes even multiple times in a single day. Every time we spoke with her, she was transparent about the process and clearly communicated next steps. Thanks to her diligence, she was able to lock in our rate just before they increased significantly, which we are very grateful for. She was always available when we needed her, and we truly could not have asked for a better lending partner. We look forward to maintaining our relationship in the years ahead as we settle into our new home.

Top rate lending bank. Although I have really a really good credit score. I would recommend asking…read morefor loan officer Ryan Smith. He'll get your loan to the finish line. And he'll be on top of everything. Including communication. He's a great asset to West Capital.

Honestly, this was a much smoother process than I expected. Nicholas Falini and Mari Ungos were…read moreboth great to work with and made everything feel pretty straightforward. Nicholas was super quick with everything and didn't waste time going back and forth. He explained things clearly, got right to what mattered, and that made it really easy for me to make decisions without second guessing. Mari stayed on top of everything behind the scenes and kept things moving. Anytime something came up, she was already on it, which took a lot of stress off my plate. Overall just a really solid experience. If you're going through a loan and want people who are responsive and actually make things easier, I'd definitely recommend them.

I recently purchased a home and used OC Mortgage Solutions services. As a first time home owner,…read morePam worked with me and provided amazing service and high quality of work. She was able to answer every question I had and helped make the most of my money. Even a month after closing, she still answered any other questions or concerns I had. 10/10 would recommend

I was referred to Pam at OC Mortgage Solutions by a friend to help my daughter and I get into her…read morefirst house. Pam was very professional and and genuinely a very nice woman. From the first time we spoke she was very thorough and professional . Even though this is not my first experience with a lender, she was by far the best. Communicated every day on interest rates so we would know the best time to lock the rate. Quickly responds to questions and made this seamless for us. I appreciate her help and will use her again when it's time to refinance.

Mai Thank you so very much for all your help always!…read moreI am recommending her to everyone she is always helpful,nice, on time and very friendly and professional!

I had the best experience going through the process of buying my first home. 10/10 recommend Mai Tairead more

My husband and I recently purchased a home with the help of Byron, Jinny, Derek and Russell. I…read morecould list a hundred reasons why I love this group so much, but a few that stood out are: 1. From day 1, they've been very honest and transparent and there was never any surprises that could push back our escrow. If they thought that we would have possible issues, they told us upfront and so we were always prepared for anything. 2. If it's your first time purchasing a house, terms and numbers are confusing. But they've explained everything to us so well. And if we found a house that we liked, all we need to do is send Byron the address and he would email us with the numbers which really prepared us for anything! 3. They're all easy to reach. I could email now and get a response in less than an hour, and if it's important, I could get a call back in minutes. 4. Customer service skills is unparalleled. 5. They give you cookies from Cravory cookies (which is to die for). And once Russell found out that we loved the cookies, they sent us another box! So if I could give them 10 stars, I would. We've had such a great experience with this team, and would highly recommend them to our friends and family.

Came here on a Monday evening to discuss and start to understand the (first time) home buying…read moreprocess. I had been receiving detailed instructions and assistance from Byron Watson and his team on how to find the place - and they're located across from the Irvine Spectrum, on the 7th floor of the Smile Brands building in Irvine! As I was ushered into the office, I quickly saw that they were ready for my visit. I was greeted pleasantly by the staff and noticed a welcome board with my name on it - wow, impressed already. After some pleasantries, we got some water and got to work. Byron was extremely helpful and patient when explaining every detail of the home buying process that we could get to in our two (2) hour time frame. This meeting definitely increased my confidence and willingness to buy a home, and I'm glad Byron and team were there to show me the first step! Will remain in contact with Fairway and Byron throughout the purchase and financing process. A very professional and informative experience that is really valuable - definitely recommend to anyone that's new to this stuff as well :)

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Alonzo Lerma, our Loan Officer at Moern Lending was awesome to work with in getting our loan…read morepackaged and approved. He explained everything with simplicity from beginning to end. He stayed in close contact and guided us in every step of the process, making the entire process less complicated. He is knowledgeable, professional, kind, respectful and considerate. Alonzo continues to work closely with us, answering any continuing questions or concerns that we may have, and will be also, assisting us with a refinance. I highly recommend working with him for all your loan needs, rather it be initial loans or Refinancing. Thank you Alonzo, for all your support, patience and hard work in getting us funded for our Loan.

I am pleased to recommend Modern Mortgage Lending Inc. DBA's Modern Lending & Modern Lending Team,…read moreThe team worked hard for nearly two months to get us qualified and approved for the purchase of our new home. Michael Burkey (Realtor) helped us align all properties we were interested in viewing, Michael listened to our likes and concerns about the house we were looking for, What impressed me most was not just his passion towards his work, but the discipline behind it. Alonso Lerma , Mónica Paez, Cara Pico, Lola Hansen they communicated clearly, met deadlines, and showed us what was working and what needed to change. I would confidently recommend Modern Mortgage Lending Inc. DBA's Modern Lending & Modern Lending Team to anyone looking to purchase a house.

Julie Aragon and her team are simply exceptional. I've had the opportunity to work with Julie on…read moremultiple transactions, and every single time I walk away impressed, not just by the results, but by how she gets there. Her professionalism is top-tier, but what really sets her apart is the way she builds relationships. Julie brings a rare mix of creativity, energy, and genuine care to her clients. People don't just feel "handled"...they feel understood, supported, and confidently guided through what can be a very complex process. She's honest, communicative, and relentlessly hardworking. You always know where things stand, and you always feel like you have a true advocate in your corner. If you're a first-time buyer, especially, Julie is a no-brainer. She has the ability to simplify the process, remove the stress, and actually make it an enjoyable experience.

Third time we've used Aragon. Closed in record time. Her team is always always on top of…read moreeverything. I'll be back for a fourth time.

Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

First off, I did close on my home (a day late) and the rate I received and what I was offered was…read morerelatively good. Also I acknowledge that there are parts of the process that are out of the control of the loan officers. These are not the reasons for the poor review. I worked with Angel Chavez and Marc Dorado and my process couldn't have been more frustrating. I was working on a tight timeline and was ensured that the process would be expedited. For over two weeks I waited for the appraisal. I understand that the appraisal is done by a third party company but what bothered me was the miscommunication and straight up lies from Angel and later Marc (his manager). After the appraisal was done, I asked Angel when would the report come in. He said tomorrow. Then I check tomorrow, he says end of day. I message him end of day, he says it should come after the weekend. I check in after the weekend, still nothing but he says it should be there today. Next day, same thing. He couldn't be honest and just say he didn't know. I requested expedited service and asked Angel I paid for it. He says yes, I paid for expedited. I call him later that day, he says there is no record that I paid and that this job wasn't available to be expedited. I ask him why he lied to me. He can't respond. For whatever reason he could never give me a straight answer and instead would always give me false hope. I would have much rather he just said he didn't know and would update me. Enter his manager, Marc. Same schtick, makes promises that the report will come in and that he will update me. In our first conversation he even said, the report will come in the next day. I said I didn't believe him and when the report still didn't come in the next day, I didn't even get a courtesy update. I hear nothing till I contact him. At one point, I'm extremely upset and Marc tries to calm me down by ensuring that even though the appraisal is taking a long time, closing is still far away and I shouldn't be so upset. It was truly insulting to try and use that logic on me since I had other contingency deadlines to meet and even though we did close, it still ended up closing a day later than expected. So yes, it all worked out in the end. I closed on my home and am living there now, but the experience working with Optimum was unacceptable. It must be in their training to keep making promises since they both did it. I couldn't believe it kept happening and the whole process was extremely frustrating. Again, I understand that a lot of what happened was out of their control. The appraisal company is the one who really dropped the ball. Still, the reason I got frustrated is because Angel and Marc never just said that they "didn't know" or "hopefully the appraisal will come in but it might not" or something to that effect. Instead they overpromised and then underdelivered and then neither would give me the courtesy of an update until I asked. I don't think they misled me on purpose but rather gave assurances they couldn't keep. Every time it happened, I got more and more flustered and that's why I had such a frustrating experience.

My wife and I are first time home buyers and we had a great time consulting with Steven! From the…read morestart, he was very responsive, professional, and courteous. He also took all the time to answer our questions and explain any loan concepts that we were confused about. Working with him really does feel just like working with a friend who has your best interests in mind. We did end up proceeding with a lending branch in our hometown of Irvine, but we want to say that Steven offered us the best rates and service out of any loan officer we spoke to and we would highly recommend his services!

Steven was great and easy to talk to when I had questions. He made me feel comfortable on my…read moredecision and was informative every step of the way. I highly recommend this guy!