I've worked with Dave, Danny, and the team on multiple mortgages and refinances over the years, and I honestly wouldn't trust anyone else with my financing. Every transaction has been handled with an incredible level of professionalism, responsiveness, and attention to detail. They take what could be a complicated and stressful process and make it feel straightforward and manageable. No question is ever too small, and they always take the time to explain every step, ensuring I fully understand my options before making any decisions. What really sets them apart is that they genuinely care about their clients. You're never treated like just another transaction--they're invested in helping you make the right long-term financial decisions. Even after closing, they're proactive about discussing future opportunities and strategies rather than simply moving on to the next client. If you're looking for a mortgage broker who is knowledgeable, trustworthy, responsive, and truly puts their clients first, I can't recommend Dave, Danny, and the rest of the team highly enough. They've earned my business for life. read more

From initial inquiry to final close of escrow, Dave and his team were there to support us on the 15-month journey of relocating and buying our next home. They were super responsive in quickly and thoroughly answering questions, providing clarity on processes and next steps, and guiding us to a smooth closing. Thanks, Dave and team! read more

Had you asked me a few months ago if purchasing a home would be as easy as it turned out to be, I would have said "no way". Well, the proof is in the pudding. We are now new homeowners. Thanks to Dave Setti and Danny Schaezlein of o2Mortgage, my blood pressure is not sky high. I found Dave and Danny to be readily available whenever I needed some guidance, clarification and interventions with insurance companies and banking institutions. They were always patient and encouraging just when I needed their help. I truly appreciate their offering to make calls to agencies or businesses on my behalf. Buying a home can be stressful. However, I found Dave and Danny's services as a welcome relief just when I needed it. Thus, if you are considering buying a home and need to select a mortgage company, without a doubt, I recommend Dave Setti and Danny Schaezlein of o2 Mortgage due to their superior delivery of services. John M. Martinez read more

Dave and his team have handled 2 mortgages for us over the last 4 years. He's easy to work with, and really we didn't have to do anything except send in documents and go to the signing appointment. Dave will always be our first choice when we need a home loan. read more

We have worked with O2 mortgage twice and even though the options they had did not work out for us, I wanted to drop a line and tell everyone how nice this company is. They took their time to educate me on options I had and presented all costs up front and clear. No gimmicks and all empathy for the small budget loan shopper like me. Do contact them for your needs, you won't be disappointed. read more

This was my first opportunity to use o2 mortgage after knowing Dave for many years. My transaction was a little complicated with inherited assets. Dave and his team completed the transaction without any issues and on time (loan documents in title early). I would not hesitate to use Dave and his team again. read more

Dave and Danny at o2 Mortgage are incredible. As a first-time homebuyer, I knew very little about mortgages and the loan approval process. They took the time to patiently walk me through what to expect, confusing jargon, and various documents. Dave also worked directly with my realtor and was able to provide a pre-approval letter and lock in a great rate in record time. Highly recommend o2 Mortgage! read more

Dave and his team are top notch. From the beginning of our loan search and even until now as we are considering refinancing, Dave has been patient, professional, responsive, and thorough. The main thing that stood out about Dave compared to every other lender that we spoke with while we were initially shopping around was his patience and how he took the time to explain things multiple times and multiple ways. I am sure we asked the same question multiple times and in different ways and every single time he took the time to answer it thoroughly and asked whether his response was understood by us. His team was very quick and responsive, and always followed up with us if they needed something from us or if we had any questions. Throughout every step of the process either Dave or his team would guide us and ensure that everything was completed. We would highly recommend Dave and his team to anyone wanting to get a home loan. We will definitely work with him in the future as well! read more

O2 mortgage was outstanding to work with. Danny was efficient and friendly throughout the process, always available to answer any questions I may have. As first time homebuyers, my wife and I had many questions and Danny was always extremely prompt with responses and willing to walk us through each part of the process. I couldn't recommend this company higher. If/when I look into purchasing another property, o2 mortgage will be one of the very first calls I make. read more

Mortgage rates may suck right now, but at least the process of getting one did not! My husband and I worked with Jessica and really loved how fast and efficient she is. Any questions we had, she would be able to answer in less than a day. We are grateful. read more

Dave and his team are the most knowledgeable, trustworthy, supportive professionals in the mortgage industry. We have relied on his expertise several times over the last 10 years from assisting us when we first purchased our home contingent on selling another, and during refinancing years later. He truly knows the market and considers his client's needs and best financial outcome. They have integrity and we will always work with Dave in the future for any mortage needs. read more

We used o2 Mortgage for our new home purchase and I'm very glad that we did. Dave and his team made the whole process seem smooth and easy. My wife and I will use o2 Mortgage every time we buy a home. read more

We have just closed on our first home in the US and couldn't have been happier with the service we received from O2 Mortgage. We initially got in touch with Karen Edwards in September 2021 to talk about getting pre-approval. We had a lot of questions about the process and Karen was always so helpful and took the time to answer all of our questions promptly. She is super efficient and had us fully approved in no time. Karen worked really well with our realtor and whenever we wanted to write an offer, she had our loan approval letter ready to go immediately (even though it was always during the weekend!). We finally got an offer accepted in mid January and to say the process went smoothly is an understatement. Karen (and her coworker Danny) were always one step ahead and we ended up closing a week ahead of schedule. We wouldn't hesitate to recommend O2 to our closest friends and if we are ever moving again, Karen will be our first call. read more

Easily earned 5 stars, wish I could give more. We used O2 mortgage for a home purchase in Kansas and it was a difficult contract to win for many reasons and had many contingencies. Dave provided a very thorough pre-approval, was accessible when any realtor or myself and my husband had questions. He has a great team that was super easy to communicate with, they kept us abreast at each turn and even when we forgot to take care of a step, his team acted quickly to help without judgment. Dave is fair, kind, and a good counsel when making big money decisions about a home. I'd trust him to refer a friend or family member easily. read more

We've worked with Drew at O2 mortgage twice now, and have received exceptional and prompt service both times. The first time we worked with him and his team was in 2016 when we purchased our home, and most recently in 2021 when we decided to refinance. Drew and the O2 team make what can be a stressful process feel easier to work through - in my experience they are always available to answer questions and do so in an approachable, friendly manner. What's more is that their turnaround time for putting together a mortgage or refi is unbeatable. A small group like this can make things happen - quickly. We'd happily work with Drew and O2 again! read more

Buying a home these days is pretty much impossible but thanks to Dave, Drew and Danny at o2 mortgage they made it happen for us!!! We are first time home buyers and We were turned down by other lenders due to our complicated situation but these guys never questioned helping us. It was quite a long process but the team walked us through it all and totally had our backs. Not only are they knowledgeable and answered all of our questions we had, they made the process so smooth. Can't thank the o2 team enough!! read more

We had worked with Dave a few years ago to purchase our new home, and had such a fantastic experience that we returned to Dave's office for a refi this year. We had another great experience on the whole refi process. Me and husband are truly amazed, again, by Dave's incredible expertise and we really appreciated his team's best-in-class responsiveness and their professional manner and process. Simple example is that they are treating information security very seriously and had the right and easy to use process built for collecting documents. And after refi closure, I had issues recently with the Loan Servicing company cuz I couldn't easily find a way to set up auto payment so has been blindly making one time payment. I reached out to Dave after failed reaching to the Loan Servicing company's service line, only thinking to try my luck in case he and his team knows anything about that specific Loan Servicing Company. Dave helped us tremendously and guided us every single step till the issue is resolved with that Loan Servicing provider. We are truly amazed and impressed by all Dave and his team's dedication of helping us out. Overall, me and my husband deeply trust Dave and the O2 team. If you are seeking for a reliable and trustable partner for your mortgage needs, we absolutely recommend them! read more

o2 Mortgage goes out of their way to make sure their clients are happy and have a smooth experience. As a professional in the real estate business I know first hand what it's like dealing with all different types of mortgage lenders, and o2 Mortgage is definitely a fantastic mortgage lender. Whether you are a first time home buyer, returning client, or having a B2B interaction, the whole crew at o2 will take care of you. read more

I just finished funding my third loan with Creighton, who is now with o2 Mortgage. All steps ran very smoothly and efficiently. Creighton sets expectations early and works to find the best deal. Thanks Creighton, you have a great team working with you too. read more

Dave Setti takes a process that can be scary and intimidating and makes it seamless. i'm technically inept. they made my mortgage happen! read more

We worked with the Creighton and Jessica through our loan process. They were helpful in answering all of questions and walked us through every document. The process was efficient and fast and we were able to close quickly. Thanks for all your help. read more

Drew and his team are amazing! Since the very first contact we had, they were always there to answer any questions and resolve any issues we encountered. If you are looking to purchase your new home or refinance, we would highly recommend O2 Mortgage. Thanks to them, we will be moving in to our first home soon! My family and I are so excited and so grateful! Thank you Drew and team! Pari and family :) read more

I would like to thank Dave, and his team, Danny and Ashlynne, for helping us with our loan process. They went above and beyond, with walking us through everything and answering all of our questions with our loan. You made us feel very comfortable with explaining all of our options and finding us the best loan for our needs. Definitely will refer you guys to anyone looking for a loan. And you definitely have a returning customer! read more

Dave and Danny were patient with my process and guided me professionally when I had questions..and I had many. I felt taken care of the whole way and am looking to work with them again if/when rates come down. I would recommend 02 Mortgage to anyone who wants to take some of the stress out of the stressful process of obtaining a loan and closing the deal. read more

I just closed on my first home and I was stunned at how smoothly the whole process went. Dave Setti was always available to answer my questions, address concerns as they came up, and made sure I understood what was happening each step of the way. I am so grateful and could not recommend o2 Mortgage more strongly! read more

We are first-time homebuyers, but it doesn't mean we didn't do research before we chose O2. After considering 2 other options we choose them to help us with buying our home. They were very flexible in adjusting their solution to each potential home we tried to bid on. Very quick with a response and explained everything in detail. It was a long run for us, almost 4 months of search and attempts, but O2 never gave upon us and we always had a quick response, whatever we asked for. I liked their diamond preapproval which allows doing all paperwork necessary for offer submission in advance without rush and then submitting an offer within a couple of hours from the request of the letter to the last signature. David Setti tailored the loan structure and downpayment for each house and our current financial situation, which I believe is priceless. read more

As first time home buyers, we couldn't be more satisfied with O2 Mortgage!. We interacted with both Dave and Danny and both of them were extremely helpful in explaining every single step of the process. They made themselves available to us for the many questions we had. Their advice and number-crunching was critical for us to be able to choose a price range we felt comfortable with. They went above and beyond just to make sure we were comfortable with our decision. We will definitely continue working with them in the future. read more

We had an amazing experience working with Creighton at o2Mortgage. Everything was done on time as promised. Highly recommended. Alexandru N. read more

Dave Setti jumped in to save our home buying process 12 years ago when I was laid off day before closing. This month, we wanted to refinance so called o2 Mortgage to find the best mortgage. And they did. Quickly, painlessly. Can't say enough good things. The o2 team rocks! read more

Very recently I worked with Creighton and Jessica at o2 Mortgage. Both of them are very professional and knowledgeable. They made the loan process very smooth and stress free. I highly recommend them to anyone who is looking for a reliable loan officer. read more

We got introduced to O2 by our good friends and we're so glad we went with them! My husband and I are first time homebuyers. We met Drew in person and he walked us through the whole process. A couple weeks later, we were putting an offer in! Drew worked tirelessly on our behalf and over the weekend so that we could submit our offer. He worked diligently with our real estate agent to get all the details in order. Jessica was on top of it with managing all the paperwork. It really was a dream team and we couldn't have done it without all three of them working so hard for us! If you're looking for someone that's knowledgeable, hardworking, and willing to work with and for you, look no further and go with Drew and the O2 team! read more

Drew and his team are amazing!! I wouldn't and don't use anybody else, they have helped me through the process many times in different states and they are so wonderful! Great communication, and honestly treat you like family! If your in the market I would definitely use and trust them to help you with all your Morgage needs whatever they may be. read more

We've been working with Danny Schaezlein since our first home and for refinancing our existing houses. Most recently we have worked with him for our investment properties. We have found Danny to be reliable and very professional, providing the best customer service. He is super responsive, on top of his emails and texts. Whenever we have a request, he will promptly help for us. His prompt and professional service has contributed to several successful biddings! He is also quite knowledgeable, when inquiring about loan options, he provided valuable but objective suggestions, viewing from our side and perspective! We appreciate his service and value, would want to have long term business relationship with him. Thank you Danny! read more

Drew and Jessica assisted my husband and I refinance our home. This was our first time refinancing and we are extremely happy that we found Drew. He was very knowledgeable and personable and gave us a lot of insight on what options we had. Drew and Jessica were extremely efficient and were great communicators throughout the entire process. I will be recommending Drew and his team to all of my family and friends. I look forward to working with Drew and Jessica in the future again. Thank you!!!!! read more

My wife and I were first time home buyers, not knowing all the different steps and requirements to purchase a home. By the luck of God, we found Creighton, Drew and the whole O2 team. We could not have asked for a better team to help manage the stress of buying a home. They were beyond helpful and communicated every step of the way. Without question I would recommend this company and look forward to using them in the again. Thank you o2 team again for everything! Craig and Christina! read more

I sent O2 Mortgage a message requesting for a consult and received a response within a few hours. I had set up an appointment with David Setti. David was incredibly helpful and genuinely willing to answer my questions. When he had found out that I was looking to buy a property outside of California, he already knew that I was not going to become a customer because he only services loans in CA. Even then, he did not try to direct me to someone else. Instead, he stayed on the phone and took the time to answer the questions I had about buying a second investment home. One day, when I finally buy a home in CA, I will definitely look David up. He truly has the heart to help others. Thank you, David. read more

If I could give O2 Mortgage 10 stars, I would. As a Realtor, the team at O2 Mortgage was phenomenal. They kept everyone in the loop on the buyer's status of their loan, an was always there when either the buyer or myself had questions. I love how high tech they are in everything can be done by uploading your documents to their secure website OR emailing your documents over. They kept it simple, so everyone could understand what was needed, and we all worked together to get to the end goal of a close! Now as a buyer, I was even MORE impressed! Matt, Danny and Jaime - Hands down the best team you'll ever get to work with. Between the 3 of them, I knew my loan was in great hands, despite a few hiccups from the buyers end. They were clear to close in 10 days, from the loan app, to closing docs! As a realtor and as a customer, they blew me away. I won't be using anyone else in the future. They're the best of the best! read more

Its our first time of getting a mortgage and Drew, from o2 Mortgage really gave us a great help with a lot of patience. He explained to us in detail of every questions that we have as a new home buyer and also analyzing our situation with the best outcome. Thank you Drew and your team! read more

Dave and Drew at O2 Mortgage have no helped me finance two homes and refinance a home. They are always available, answer all my questions, and make the process simple and easy! Plus it feels like I am working with friends not a business! read more

I just finished refinancing my home using o2 Mortgage, and they made the experience smooth, seamless, and timely. With a past mortgage broker, my refinance took over 2 months, and with o2 it took exactly 1.5 months from initiation to funding, which is under the average of 2 months. I worked with Danny and his team, and they were very professional, responsive, and friendly. Danny answered all my questions promptly and was always available at a minute's notice for anything I needed. Even the title company that we used had nothing but nice things to say about Danny and o2 Mortgage. I highly recommend them, and would definitely use them again for another refinance. read more