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 ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices.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.

Peter was the most accurate, efficient, and responsive professional I worked with throughout my…read moremortgage process. After going through multiple agents and even changing mortgage officers twice, I was under significant stress and time pressure--but thanks to him, everything moved forward smoothly without any issues. I truly appreciate all of his help and professionalism, and I would absolutely recommend him to my friends and anyone going through the home buying process. Thank you so much!

Peter honestly swooped in and saved the day when we thought all hope was lost. We had some major…read moreissues with our initial lender which didn't follow through. But then we got in touch with Peter, and what a difference. He picked up our case and got everything sorted out for us incredibly fast. Thanks to his hard work, my husband and I are now officially homeowners. As first-time buyers, the whole process felt a very daunting, but Peter made it so incredibly seamless and easy to understand. He's super efficient and gets things done. We're so incredibly thankful for everything he did to help us close on our new place. We will for sure reach out to him for any future needs.

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!

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!

Thank you so much for all your help throughout the loan process. You made everything easy to…read moreunderstand and were always quick to respond and answer questions. Your support and guidance really helped make the experience smooth and stress-free. It was a pleasure working with you, and I truly appreciate everything you did to get us to the finish line.

Honestly, don't rush to give someone credit before real problems happen. She might seem extremely…read moreattentive while you're still in the process of working with her. This was my first time buying a house, and I was introduced to her through someone I know. At the beginning, she called nonstop, saying all the right things and promising the best. But once everything was done and I still had questions and issues that needed to be fixed--my God, trying to reach her was nearly impossible. I am truly disappointed that I trusted and worked with someone this irresponsible. Every time I call, it goes straight to voicemail, and even after leaving messages, she takes one or two days--or longer--to respond, if she responds at all. I still have unresolved issues, and nothing has been properly addressed. I strongly urge everyone to think twice before choosing a loan officer like this.

We first met Linh on 01/31/2026, the same day we walked into the open house of the home we totally…read more"love at first sight". That day, we already knew we were going to submit an offer. Things moved incredibly fast. On 3/3/2026, we officially closed on the house we made the offer on. The whole journey took less than a month!!! Linh helped us a ton!!!! He helped collect documents, coordinated with the lender, gave us honest opinions about the house/ the location & patiently explained every question we had. He even helped structure our offer so it looked almost like a cash offer, which helped us beat out 17 other offers on the home! My husband is American, very introverted, and extremely busy. Linh was always super patient, he'd wait until my husband got off work before hopping on a call with us. Sometimes we even ended up talking late at night. Communication was never an issue because Linh's English is excellent. Linh is fun, straightforward & incredibly professional. Anyone going through the home-buying journey should have a Linh!!! It truly makes the whole process so much easier! Thank you, anh Linh!

I had a great experience working with Linh on refinancing my home. He clearly explained everything…read moreI needed to know and made the entire process easy to understand. He is very friendly, professional, and knowledgeable in his field. What I really appreciate is that even after completing all the documents, he continued to support me by helping transition to a new company to secure a better interest rate. That shows real dedication and care for his clients. Overall, I'm very satisfied with his service and would highly recommend him to anyone looking to refinance their home.

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

Just had another refinance loan with Matt hang and again it was a pleasant experience. Matt is very…read moreresponsive, collaborative and retain high professionalism in communication at all times. I am glad that the loan was completed exceed my expectation for both timeline and APR. Would definitely do business again with Loan Factory in the future. Highly recommended

Initially reached out to Loan Factory on yelp along with several other mortgage brokers to see who…read morehad the best rates. Their CEO Thuan Nguyen responded and his rate/offer was the most competitive. Decided to give him a call and let him know the situation we were in as we needed to make a rush switch and do everything possible to close in 2 weeks. Thuan assured me they could get it done and looped in his team. This was a very rush/urgent situation given the short timeline. Matt Hang was assigned as my loan officer handling my loan. He and the loan processor Sophie Pham worked diligently and professionally to get to the end goal of closing the loan. Although I probably wasn't the easiest client to work with given the urgency and my constant follow ups, Matt and Sophie remained professional and kept pressing forward to get this closed. We did have to extend two days past the expected close date, but there were several conditions to get through so this was still a solid success. I recommend Loan Factory for both their competitive rates and ability to get it done.

If you are looking for a school to learn to become a realtor ? Please do not go to Thomas Dao Real…read moreEstate School. They teach nothing and waste your time. Thomas Dao can repeat his stories to students all the times he in class! waste time and cost 799 usd for nothing. Not recommend to anyone to this place!

Thong Tran (657) 400-8255 is the worst realtor I've ever dealt with. He lies, disrespects…read morecustomers, and even went as far as telling the seller a false story -- claiming that I, the buyer, was poor and didn't have enough money for a down payment.

Trinh and her team were extremely helpful and quick throughout the whole process. Purchased my…read morefirst home with their assistance and I originally had a lending option going into the purchase but they were able to find me a better rate! Needless to say, it's going to save me a lot of money in the future! They were upfront and clear on what I needed to provide. They heard exactly what I was asking and gave me clear and concise answers. The purchase was a new build so it took 6 months to finalize and they stuck it out with me and treated me like a million bucks. We had a few hiccups due to 3rd parties but they were able to quickly resolve it with their own referrals / teams. Overall, I had a great experience with Trinh and her team.

I ain't gon trynna be corny or cheesy so I'll keep it short n simple. I can't believe this…read moretransaction went so smooth with the buying plus the loan process. With ur work ethic, values, n expertise u gave me such a great experience and stress free in closing this home, Trinh! So proud of u & I wouldn't trade u for the world. I'm beyond blessed . Thank you God for this new mile stone n opportunity #milliondollarlisting 2nd home bought n closed by Trinh.

For my first home purchase, Truc had everything I looked for in a Loan Officer. She is…read moreknowledgeable, resourceful, confident, and AVAILABLE. Her guidance and patience with me during my first home purchase is such a blessing. I highly recommend anyone reading this to reach out to her.