George went from licensed agent to advisor and then to friend in one phone call. I am a first time…read morehome buyer. I initially went online to get a second opinion and ended up finding the specialist who helped me into my first home. George helped me iron out a few wrinkles from the first lender I spoke with. He then helped me secure my pre-approval that connected me with the house we wanted. Through the underwriting process he ensured I understood what the loan processors needed and then made sure everything was aligned for a smooth close. George was always responsive to my questions and was great. I know that in the future, if I have any questions, he will be able to assist.

Lauren was an absolute nightmare to deal with. She spoke with total confidence while giving…read moreinformation that was either misleading, flat-out wrong, or clearly designed to corner me into a worse refinance deal. She acted like bad terms like paying points were unavoidable, insisted this was "just how the market works,"when later, another loan officer gave me better terms with no points. Every question I asked was met with more sales pressure instead of honest guidance. It felt less like working with a loan officer and more like being trapped in a conversation with someone who had already decided her commission mattered more than my finances.

Pamela Herrera 1 review * 1 photo…read morestarstarstarstarstar 7 weeks ago As a first-time homebuyer, the process can feel overwhelming and even intimidating--but working with Carlos Medina at Vision One Mortgage made all the difference. From the very beginning, Carlos was patient, professional, and genuinely supportive. His warm personality made me feel completely comfortable asking any questions I had along the way, no matter how big or small. Carlos was always more than happy to explain everything in detail and guide me through each step of the process. He made sure I felt informed and confident throughout the entire experience. I truly appreciate his dedication, responsiveness, and the care he showed during such an important time in my life. I'm incredibly thankful for Carlos and the service he provided. I highly recommend him to anyone looking for a trustworthy, knowledgeable, and kind mortgage professional. Adolfo Aguirre (Adolfo Realtor) 6 reviews * 0 photos starstarstarstarstar 8 weeks ago Carlos Medina is an outstanding lender and a true professional. He guides you through the entire loan and mortgage... View full review Emmanuel Alatorre 1 review * 0 photos starstarstarstarstar 10 weeks ago Working with Carlos M. was such a blessing! He answered all of our questions no matter how small and really went the... re- view

Exceptional service, I'm a very busy person they got everything done for me! Hit me into my new…read morehome within 30days! Thank you hector and vision one!

Helen and her team go above and beyond. Helen is very responsive and honest. She was patient,…read moresupportive and understanding of our unique situation. We met about 13 years ago, she helped us get our house for the 1st time. We reconnect just last month and fortunate and happy we did. We are happy with the outcome and will continue to do business with her. Thank Helen! Blessings!

I couldn't be happier with my experience. The team is attentive, persistent, and fully invested in…read morehelping you succeed. They fight for what you need and take the time to walk you through every available option so you can make the best choice. Exceptional service all around.

Huge thanks to Mina for being so patient and keeping me updated every step of the way. She made a…read morecomplex process run incredibly smoothly!

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.

Always great working with this company. They are definitely strait shooters.. everything was…read moreexplained well and the whole process was nice and easy.. Closed 1 day early..

Reached out based on a mailer to get a rate/fee quote. Worked with Ashlee Kinney. Quoted a rate…read morebut would not quote a fee. After a week of back and forth, she runs my credit without my authorization and then quotes me an origination fee of almost 3%. When I questioned her, she claims it was an error. When asked why she ran my credit without my approval, she stated I should have known when I asked for an initial disclosure, even though she ran my credit three days before I asked about the initial disclosure. Now I get 70+ calls a day because the credit bureau sold my information. Highly do not recommend.

The whole team was very helpful in making our first time home buying experience very smoothly with…read moretheir knowledge

Santiago Financial Services is Fabulous! Cindi and her team are professional, helpful,…read moreknowledgeable, and great to work with.

I had several prior lenders that wasn't as interested has me to purchased a home, so after working…read morewith Barry Taylor for several years from a different county, he gave me a lender that would listen to my financial goals to be able to manage an affordable home, he made it happen from westcapitallending.com named Eric Freiboth, he is great at his job and has wonderful manners to his clients and it would be a honor to give him a 10 star not 5 because he truly is good at want he does along with Mari Ungos from West Capital Lending. If you want great service, day and night, go to them. they know their stuff. Thank you both for a wonderful experience knowing I was in good hands Thank you, Victor & Davalyn Garcia

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.

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.

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.

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.

​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.