Quick and easy Very well explained…read moreGood communication throughout the process price was reasonable and well within our range

Everything went well, Brandon Laguatan and Monique Carreno went out of their way to explain every…read morestep of the process, answered all questions in a timely manner and worked with us to achieve all of our refinancing needs with a very quick turnaround. I highly recommend this company and their team! Absolutely great attitudes and customer service throughout the process! Thank you Brandon and Monique for the wonderful experience!

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.

Steve Lopez at Clear Mortgage Capital caught my attention because he advertises lower rates…read more Unfortunately, that turned out to be misleading, as there was no follow-through once I actually engaged him. After I sent him my financial documents to get pre-qualified for a property I was submitting an offer on, he stopped responding. I followed up multiple times by email, text, and phone. When he did respond, he repeatedly said he would call me back, but he never did -- this happened twice. Because of this lack of follow-through, I lost the opportunity to move forward on a triplex I was trying to purchase. He only reached out again after I contacted one of his colleagues. When I later called him back, he again said he would call me in a few minutes and never did. At that point, I stopped reaching out because none of his promises were kept. This experience was extremely frustrating and unprofessional, and it cost me a real opportunity to purchase a property. I will not be using this lender for any future transactions.

Although we ended up choosing another lender for our refinance I had to write this review!…read more I emailed James and spoke to him over the phone a couple times during our refi process. In short, I felt like I was talking to an old friend. He was clear, patient, easy to talk to and incredibly helpful through the process. For any future loans he will be the first person I will call. Thank you James - you are sincerely appreciated!

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!

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.

Impeccable Communication & Professionalism!…read more Jennifer was instrumental to having our offer accepted. She guaranteed a quick turnaround for closing and was immediately available for help during the entire process! If you look at all her other reviews, it's a no-brainer that you reach out to have her represent you. She's transparent, knowledgeable, easy to work with, and will provide you with as much information possible to make informed decisions. If she's unable to answer your questions, rest assured that she will find someone for you! It's impressive how she maintains the same level of service for all her customers--you won't regret it!

Jennifer was instrumental in helping me purchase my first home. I cannot say enough great things…read moreabout her and how easy she made this process!! She helped me lock in a great rate and helped make any hurdles or bumps in the road as smooth as possible. I cannot recommend her enough!!! Thanks Jennifer!

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.

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.

Worked for Kind Lending at Glenn Stearns' estate (owner of Kind Lending) in Pelican Hill. Behind…read morethe luxury is a cold, careless operation. Leftover party food is handed to staff like it's a perk. Employees are forced to work in the rain. People are hired and fired without warning--no regard for families or livelihoods. The so-called "Chief Kindness Officer" is anything but. There's nothing kind about Kind.

I suggest avoiding them at all costs. My loan was transferred twice but they still had it as theirs…read moreso their servicing agent Loan Care was borderline harassing me about non-payment (even though I've been paying their assignee). I opened a case with their servicing agent and submitted all the paperwork. Weeks go by without any results (while they were still calling me about payment). When I gave them the case number and asked to speak with someone higher up, they just say my case has been transferred to an expert to resolve without providing any further info. Weeks go by before my mortgage broker finally called his contact at Kind and things seem like it was getting resolved. Then I receive a correspondence that they were transferring my loan to the first lender they transferred to but it should have been the 2nd one, the correct one. Here we are, good 4 months later...

Helen is an incredible loan officer, we have had the pleasure of working with her on many…read morerefinances and purchases over the last 10 years. She is incredibly knowledgeable and hardworking. The loan process can be very tedious, but with Helen by our side the process is much smoother. She doesn't allow minor details to fall through the cracks. If you are in search for a refinance or a new loan then give Helen a call. Besides our multiple loans, we have sent many family members and friends her way. They all agree, Helen is the best.

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!

From start to finish, Michelle and her team were awesome to work with! She made sure I got the best…read morerate. They were prompt and responsive to any questions I had. I appreciate that they took the time to explain what was happening every step along the way to reassure me and makes me feel comfortable. This team is very organized and detail oriented. I had to change in the middle of the process and there was no questions or hesitation to my request. She also gave me great suggestions to make sure I would not pay additional fees. We were still able to close pretty fast to the original commit date. I worked with many brokers and they exceeded my expectations. I look forward to working again together some day.

I have been trying to get a hold of someone at Loansnap but nobody returns phone calls or email…read more Website is down since Aug of 24. Can someone please reach out to me please. Brian D