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.

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.

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!

Horrible customer service. If you don't respond back in a timely manner he has some snip comment…read more"treat people like the way you wanted to be treated. Something to learn...." DO NOT RECOMMEND. Says been in the business for 15 years yet doesn't know anything about a FHA loan requirements. Also he has threaten me that he will contact my work. Again this shows how unprofessional he is.

Wow, what can I say! My wife and I recently bought our first home this year and were a little…read morenervous about the process and finding someone to take care of our loan. I was referred to Marty Borges through a friend I know who hired Marty and had nothing but good things to say about him so we decided to give him our business. Marty was an absolute pleasure to work with and made this process seamless and comfortable for us the whole way through. We found our guy for all and any future investment ventures and I will certainly be telling my friends and family to call Marty too. Transparency and honesty go a long way for my family and that's exactly what we needed to feel comfortable throughout this special purchase. Thank you again Marty from my family to you and keep up the good work. JW

I've had an outstanding experience working with James over the years. He originally helped me…read morepurchase my first home, then guided me through buying my second property, and most recently assisted with refinancing my current home--and every step of the way has been seamless. James is incredibly knowledgeable, patient, and transparent. He takes the time to explain all available options and ensures you feel confident in your decisions. During my refinance, he was especially attentive in helping me secure a great rate and making sure the entire process moved quickly and efficiently. What really sets James apart is his consistency and dedication. Whether it was my first home purchase or my most recent refinance, I always felt like a priority. His communication is excellent, and he genuinely looks out for his clients' best interests. I highly recommend James Hoang and Sterling Properties and Home Loans to anyone looking to buy, refinance, or invest in property. You'll be in great hands.

I had a great experience working with James Hoang at Sterling Properties and Home Loans. He really…read moretook the time to help me understand the refinance process step by step, breaking things down in a way that was easy to follow and never overwhelming. What stood out the most was his timing and attention to detail--he was able to lock me into a rate right before rates went up, which made a huge difference for me financially. I truly felt like he had my best interests in mind throughout the entire process. If you're looking for someone knowledgeable, responsive, and genuinely helpful when it comes to refinancing, I would definitely recommend James.

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.

Julie and team have been so wonderful to work with!! Not only are they incredibly knowledgeable,…read morebut they made us feel so comfortable through the whole process. Never once did I wonder if our team knew what they were doing because I was CONFIDENT that they knew exactly what to do. Plus, as someone who likes frequent communication and updates, the team was really great about that. I would highly recommend the team to anyone looking for a home loan.

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.

Marc and his team are simply the best!…read more I love Marc's overall approach; he emphasizes education throughout the process. I felt well informed and confident at each step because Marc had taken the time to clearly explain the nuts and bolts of my transaction. As a solo first time home buyer, his clarity, deep insight, and forecasting ability were exactly the kind of support that I needed. Marc really goes above beyond. When things got tricky behind the scenes (stubborn HOA :[ ), Marc went to bat for me to resolve the issue. He made sure nothing slipped through the cracks while also keeping me reassured and in the loop. And let's not forget the team - shoutout to Albert, Uyen, and Tania! Everyone was incredibly responsive and professional, making the loan approval process smooth and stress-free for me. I am very grateful for the support they provided me and I very confidently refer any friends/family in need of a lending partner to Marc and his team!

Thank you again Marc and your team for another smooth transaction. This will be my third time…read moreworking with Marc and his team! Marc always manages to find the perfect type of loan for me without any issues. His quick response time and communication is key. Looking forward to working with him AGAIN in the future!

Just closed on a HELOC with the best rate I found (by far). The process was super easy- I kept…read morewondering what the catch was. Justin was very responsive and easy to work with. I highly recommend this company!

Great team and very professional They are really…read moreinformative too and quick to follow up

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.