Erik Board understood from the beginning that we were well-qualified buyers that were going to shop…read morearound for the best rate, as this was not our first home purchase. Erik was willing to compete to provide the best rate, terms, and guaranteed on time closing. He provided a quick pre-approval letter that was needed to make a more competitive offer to the house sellers. He was transparent on budget and the money down that would provide the pricing. Following the home inspection and our intent to proceed with staying under contract, he provided the best loan estimate and fixed rate with no points from a pool of five different lenders that were all in competition for my business. Optimum First won out with a loan estimate that the other lenders couldn't beat. Everyone at Optimum First was very responsive, even at odd hours or weekends. We were moving from Virginia to Texas and with Optimum based out of California, the time zone difference played to our favor since we could email and contact them after work on the East coast and they would respond the same day with the three hour time zone difference. Make sure they lend in the state you are considering on buying. They are CA based and cover a lot of states, but I am not sure if they cover all of them. After we committed to using Optimum First as our lender, we generally had no issues with loan processing and providing necessary documentation or follow-up info for underwriting. However, one word of advice is I would recommend as soon as you know you want to stay under contract (likely after your home inspection) and proceed with the house you want to purchase, obtain your final, bound homeowners insurance policy with your preferred provider (not just a quote, the policy) as soon as possible. This will be needed with Optimum First for your clear to close letter and any buyer financing requirements stated in your contract. It will help make sure you close on time to make sure the policy is in place as soon as you can get when you commit to Optimum and go into underwriting.

The loan officer who assisted me in obtaining my mortgage did an adequate job. Not great, not…read morebad, adequate. I was notified by Optimum several months after the mortgage was written, that they had failed to secure my identity and financial data, putting me at risk for credit fraud. Given the a voluminous amount of financial & identity data which mortgage processors require, its very disconcerting that Optimum did not take adequate precautions to ensure the security of my data.

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.

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!

Linh was great to work with! He helped us with our refinance a couple of weeks ago and made the…read morewhole process smooth and easy. He was very communicative, thorough, and always kept us updated along the way. We really appreciated his help and would definitely recommend him.

I had great experience with Jessie and the office. No stress, no headaches. The entire process was…read moreshort and sweet. Not that my case was easy. But because the team always had right solutions when issue arises. I was just sitting back and relax the entire time.. and there we're at closing. Thank you very much!!

Hi Jessie, I just wanted to take a moment to thank you for…read moreall your help with my loan. Your guidance and persistence, especially in navigating and overcome the bonus income with underwriting, made a huge difference in getting everything approved. I also greatly appreciate how quickly you moved the loan to closing and your fast, consistent communication throughout the process. Your expertise and dedication made the experience smooth and stress-free.

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.

Absolutely amazing! Very communitave and answered all of my questions in a timely manner and got me…read morea beautiful rate on my home. Would absolutely recommend Steven

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!

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!

Update 6/3/23: Instead of using this experience to reflect and improve, agent Jane Kim Do of…read moreSuperior Real Estate Group decides to call my mom to get her to pressure me to take down my review. This is further proof of her questionable character and work ethics. You can not silence my truth. Update 6/4/23: Jane has also decided to call my new agent to complain about the negative review. He has absolutely nothing to do with this. Online reviews are a fair platform for clients to rate services. Please stop annoying people because it will not change my rating.

This place changed ownership. Chu Hảo does not work here anymore. I just found out when I went to…read moredo taxes for this year. The place looks more modern now and the owner now that did my taxes for me was nice and friendly. He answered the questions that I have to help me understand my taxes better. He charged me 50 dollars for me. I thought I went to the wrong place, because the office looks so different now. I would recommend this tax place, and I would come back again to do taxes.

This is a family run income tax office which makes it more enjoyable when getting taxes done. It's…read morelike going to a private practice for your dental work vs those corporate dental offices that give crappy treatment! Hao is the CPA and usually his daughter or son will be out there helping out. Sort of typical for Asian businesses to have their kids help out haha. Their office is located in the Bolsa mini plaza where thanh my is and catinat pharmacy. Hao pays attention to the details, but we're usually in and out quick. He tries to help you out and is very patient. Also he explains everything to you if you have any questions or concerns. There have been times where we'd go near closing and he would stay open late for us, sometimes past 7pm. He has nothing to hide and you're able to see everything he types in, he'll show you on the screen every step of the way. He's really friendly and will joke around with you to lighten up the mood cause everyone dreads doing taxes in fear of having to cough up money to uncle Sam :( We have referred lots of family and friends here they love him as well! His service fees are very reasonable and cheaper than h&r block and other places we've been to in the past.

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

Thank you, Will nguyenfor helping our family buy our home! Your professionalism, patience, and…read moreguidance made the entire process much easier. We truly appreciate all your hard work and support. Highly recommended!

I had an excellent experience working with Will on my home loan. He was professional,…read moreknowledgeable, and incredibly responsive throughout the entire process. Every time I had a question or needed clarification, he replied quickly and made sure I understood each step. Buying a home can be stressful, but Will made the loan process smooth and efficient. His attention to detail, dedication, and willingness to help gave me confidence from start to finish. I truly appreciate all of his hard work and support in helping me successfully secure my home loan. Thank you, Will, for making this dream possible. I highly recommend Will to anyone looking for a reliable and responsive loan officer!