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.

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.

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.

John and Lily were the best people I've every worked with on a home mortgage! The communication,…read morecare and concern were Above and Beyond! Lily has the word HONEST under her email signature. She and John were ALL of this and more! Hardworking Obsessed with the client experience No loan left behind Excellence in Execution Servant Heart Teamwork

Outstanding Mortgage Advisor and team - Truly the Best in the Business!…read more Working with John Farrell and Lily Pena was one of the best decisions we made during our home-buying journey. From the very first conversation, it was clear that I was in expert hands. Their response time was nothing short of amazing--no matter the time of day or the complexity of the question, we always received a clear and timely reply. It made a potentially stressful process feel incredibly smooth and manageable. One of the things we appreciated most was how well they educated us throughout the entire process. They took the time to explain every detail in plain language, ensuring we felt informed and empowered to make the right decisions. We never once felt rushed or brushed off--just genuine support and expertise at every step. Their availability was also remarkable. Whether it was after hours or over the weekend, John and/ or Lily consistently went above and beyond to be accessible and responsive. It truly felt like we had dedicated partners who cared about our goals as much as we did. And last but certainly not least--their personalities! Friendly, professional, approachable, and calm under pressure. They brought a personal touch to the experience that made a huge difference. We always felt heard, respected, and confident that we were being looked after by people who genuinely care. We can't recommend John Farrell and Lily Pena highly enough. If you're looking for a mortgage advisor and team who are knowledgeable, responsive, reliable, and a joy to work with, look no further. These are the people you want on your team! Clients for life.

We are so grateful to Adriel for the work he did to get us into our new home! We had a very…read morecomplicated situation going into this purchase and had already tried working with 2-3 other lenders unsuccessfully before we were referred to Adriel. Adriel faced the challenge head on, gave us the facts at each step, and never promised more than he knew he could deliver. In the end his plan worked out exactly as he laid out to us and we closed on our new home with a great interest rate. We couldn't be more thankful or happy to refer him to anyone no matter their situation. Thank you Adriel!

Adriel has been handling all of my financial needs since the year 2000. From doing my taxes to…read morehelping me get my very first home loan to refinancing my home to getting a HELOC, he has done it all and done it well. He is reliable, honest, devoted, committed to helping you, and tries his best to get you the best solution for your financial needs and concerns. He will continue being my go to man for all my financial needs for the years to come

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

This company seems desperate. Makes me wonder if they are about to go out of business. They are a…read morepest. I've been getting regular spam emails from them and 3 phone calls just this week with VERY PUSHY people on the phone. They start out asking for me without first introducing who is calling. I ask who is calling and they say Sovereign and that they are calling because I expressed interest in a loan. NO, that was 3 years ago, and your information is very old. But quickly they say there are changes in the market and do I still live at xxxxxxxx. I tell them.... Look, I didn't use you 3 years ago because you were terrible during the initial phase, so I used someone else, so I don't need a loan and there is no possible way you can beat my interest rate since rates are now triple what I have. So leave me alone. They then say, but we like to give you a "free" review. I have to say again, take me off your spam list and stop calling. You are too pushy and rude and not listening to what I am saying, so I will never use you in the future. I hang up. Next day another idiot from their company calls. I have to block their calls. I suggest not using them. This desperation is a big red flag to me. They were terrible 3 years ago and still are today. Also agree with other reviewers that they are clearly very disorganized.

This place is horrible! THEY DO NOT PROTECT YOUR PERSONAL INFO!…read more I receive a packet in mail with someone else's loan docs!!!! When I called them, being concerned that someone has all of my personal info, they told me that they told me not worry since they never intended to mail any documents to me. REALLY???? Why did you have an envelope addressed to me in the first place. I spoke with some manager and demanded that they do an internal investigation and get back to me by end of week; it's been 3 weeks now and no follow up. DO NOT ENGAGE WITH THESE PEOPLE!!!

We just closed our first transaction with Scott and ended up closing early. Scott is very…read moreresponsive and is unique in the sense he processes his own loans which means you will have immediate updates and if something is at a halt Scott is able to correct the issue quickly. As a real estate professional we work with multiple lenders and Scott is by far at the top.

Scott is smart, reliable and efficient. He's a numbers guy, but an excellent communicator, and…read moresuper accessible. I've done two mortgages with him and each time the process was seamless. It went exactly as he predicted, and he saved me $700/month on my recent refi. Highly recommend!!

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!

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.