If you have any doubts whether to choose OC Mortgage Solutions to handle your home purchase/refinance let me tell you something. This is my 3rd time I am writing review for Pam and her company, and that is also the 3rd time I refinanced with Pam. I don't bother to look for anybody else, it is a waste of time. As I said previously, you don't deal with business, you deal with a friend who's keeping your goals, your interested aligned with her own. You are in the best of hands, someone who will guide you, will have patience with you so you, the customer know what your next step should and will be. Pam is the nicest person you can think of, she will have all time in the world for you as long as you need it. I highly recommend Pam and OC Mortgage Solutions. read more

I love working with Pam because she is very knowledgeable in the mortgage business and she makes my refinance process very easy to follow. This is my second refi with Pam and is definitely not my last. I like that Pam is always on top of things and she will work around the clock to get things done. She keeps me informed every step of the way either through a simple text or phone call. She is very patient and has provided guidance when I was unsure of anything. Pam, thank you for making the refi process less complicated for me and for your hard work and dedication shown throughout. You are a GEM!!! read more

Pam and OC Mortgage Solutions make miracles happen. This is my third home loan and this time around with Pam it was effortless and easy. She knew exactly what she was doing and looks out for her clients. She gets straight to the point and does not try to sell you. I am convinced she does not sleep so she could get all of her loans approved During the COVID 19 Pandemic she is still working at all hours of the day answering questions and making the loan work. She also made a point to keep our family safe by making sure signing paper work was as contactless as possible. I can say that all my future mortgage and real estate needs will go straight to Pam. Thank you for taking care of my family ! Everyone should use her for your mortgage needs. read more

I don't really review much on Yelp, however Tai and Pam definitely deserves a review for their awesome work! My family and I recently purchased our first home and they have been a great help in our home buying process. The effort they put forth to send my family listings and ensuring that those listings were in our budget and liking was just incredible! We were very unfamiliar with the process and the lengthy documentation, however they took the time to dissect information to ensure we were clear before proceeding. Most importantly, when concerns arise, they are always reliable and dependable to answer any questions even outside of business hours. Once again, thank you so much for your help ! read more

Dreams into reality, with Pam it's possible! It a true gift to be able to recommend Pam as a mortgage broker/loan agent. A couple months ago I was just like you, reading this Yelp page in search for an agent that would allow me to become a homeowner, and I'm so glad I was able to read so many outstanding reviews as it led me to the best decision I have made in a long time. I can't begin to express how grateful I am to both Pam and her Husband Tai for working incredibly efficiently and with the utmost care. Quite frankly, I did not think​ home ownership in this economic climate would be a possibility for someone in my income range; however, Pam found a way to make it work. She walked us through the loan documents with such clarity and was dedicated to us throughout the entire process, reassuring us that she'd try her best to get our loan approved. I felt prioritized with her, she was quick to respond even on weekends and non-business hours, answering every single one of my questions down till moment the keys were put in my hand. She truly treats each and every one of her clients with respect, regardless of whether you're looking to purchase a 2 million dollar home or a $200,000 home with little to no credit. What she did for our family was nothing short of a miracle, drafting up documents so quickly that we were able to close in no time. If you're looking for someone to assist you in the home buying process, she is the person you should have by your side! read more

This is my second refi with Pam and she does AMAZING work. She's knows what she is doing and will give you the best guidance possible without ever trying to 'sell' you. She has great customer service, always quick to respond, kept me posted every step of the way, and most importantly she is so knowledgeable in what she does. Her communication about the refi process is always crystal clear, and I know I am in good hands when I am working with her. I would highly recommend her services, and will certainly go to her again! read more

Talk about finding the diamond in the rough. We were first a little iffy because how could someone have all 5 stars ratings, but we took our chances and was not disappointed one bit. Pam (Mortgage Broker) and Tai (Realtor) are a power couple. They were extremely helpful and funny. They treated us like family and walked us through the whole buying process. Buying a house is tough, but with Pam and Tai on your side, you have nothing to worry about. Definitely will be recommending them to anyone who want an easy and smooth home buying experience. read more

Pam is an excellent agent, she knows everything in regards to her job, very helpful, honest, understandable and able work patiently around the clock to get things done and make things right. I have done my home refinance with her help and save more money on my monthly mortgage, I recommend her 100% and she is the person you can trust. read more

This review is long overdue but I just had to take this time to express my extreme gratitude, appreciation, and affection for Pam in helping me through this last year. I just finished my second home loan refinance with Pam at my side every step of the way. I have to thank her for her never ending patience, her guidance, her expertise and excellence of knowledge, and most of all for the sweet care she gave me personally. I am of another generation and not at all "savvy" when it comes to technology. Pam always made me feel at ease through the difficult processes of maneuvering my way through the "tech world" and always found a way for me to navigate my way through all the paperwork at a level I could understand. If there was a problem, Pam had a solution. Nothing was too difficult for her, even my ignorance of the computer world. Pam's patience knows no end and she was always available to me for any and all questions I had day or night. I never could have accomplished all the wonderful results without her great knowledge and wisdom and care over my financial circumstances. There just are not enough kind words, complimentary adjectives, or heartfelt respect and admiration to describe my feelings for this wonderful young lady. I really developed a deep affinity and affection for Pam. My experiences with Pam became personal because she cares so much and I felt more than just "another" client and I am sure most of her clients feel the very same way. She is such a very special person!! Pam became my helper, my advisor, and my confidant as she guided me through what, at times, seemed impossible. She made everything happen and in record time. I believe she is a miracle worker! I am so indebted to Pam for so many reasons. Pam, not only guided me effortlessly but became my " Guardian Angel". I say that from deep within my heart. Pam, with her ever so patient manner, temperament, and sense of humor was truly my guiding light and made "the complicated" uncomplicated every time. PLEASE, do yourself a favor and find out for yourself what an extraordinary human being Pam is especially if you are looking for guidance with a mortgage or a mortgage refinance, or for any financial concern you might have. Just call Pam, you will be so glad you did and you too will be grateful for your own "Guardian Angel". I promise you, you will be so blessed to have found her. I found Pam through the Yelp App, so therefore I feel a responsibility to Yelp, to Pam, and to all of you seeking help for you financial situation concerning your home and need the expertise and care that Pam will provide you with. I promise you, you won't regret it!!! read more

Pam does an awesome job! Will definitely come to her again and refer others! She's with you every step of the way! Thank you for all your help Chi Pam! read more

I loved working with Pam! She was extremely professional and knowledgeable about her line work. I was visiting with my husband to the OC to look for a rental property investment. We got a recommendation from a friend to contact Pam and she got me a really great quote and the process was extremely simple and efficient. She's amazing to work with because she took all the complicated guesswork out for me and made the buying process so easy for me! read more

Pam is a very thorough and knowledgeable broker. She has done an amazing job to help us with our home refinancing. We would 100% recommend her service to all of our friends and family. You'll be in good hands by going with her. read more

I just completed our 2nd transaction with Pam and could not be happier. I hadn't planned to refinance again but with rates at historic lows, I reached out to Pam to get the process started. From initial contact to loan closing, Pam answered any questions I had in timely and efficient manner. I truly appreciate the fact that I never had to reach out for updates. Pam was in constant communication through phone, email and text. I thought our first refinance was easy but this one was even easier. She had most of my documents on file already and was even able to have our appraisal waived. She's truly a professional. Thank you again Pam for making the refinance process completely stress free. Pam and her team at OC Mortgage Solutions are the best and I will continue to refer them to friends and family any chance I get! read more

I am so happy and pleased with the great service Pam provided. She made the refinancing process easy. I am definitely recommending her services and will stick with her for future purchases and refinancing. read more

My wife and I are indebted to Pam for all the work she did in helping us complete our home refinance/cash-out loan. When first contacting Pam, she was straight and to the point (exactly how we like it). She gave us the numbers (APR, loan amount, # of days to fund, etc) and told us that's the best she could do; she would love our business but understand if we needed to shop around. That's what we did; we shopped around. After speaking to half a dozen other loan agents, we returned to Pam with what we thought was our best option to see if she would match it. After running her numbers, she said there is no way to match what we were quoted; however, she also warned us about the fine print and fees that the lender may impose on us later. She was not pushy; but rather was professional and personable. After further research into that particular lender, we decided to go with Pam. Since that day, we have never regretted our decision. Pam has helped us through the entire process, explaining every little tidbit that we had questions on (and we had a lot of questions), promptly answering our calls and texts at all hours, appropriately advising us on how we should proceed, and doing everything within her power to help us close the loan. Our file was not straightforward. We had a lot of bumps along the way and things we didn't know regarding liens/judgements on the property, etc. Pam was patient and got us through each of those bumps one-by-one, understanding what we needed and keeping the end goal in sight always. Near the end of the process, the lender had a hiccup and was going to change the signing date because of some miscommunication on their part. That would have delayed are funding, which meant it would delay all the projects those funds were going to be used for. Pam jumped in and explained to them how unacceptable and unprofessional that was and saved the day. The lender kept the signing date as promised and we were funded as expected. Pam never sounded like a sales person, like the other lenders did. She was a loan agent who cared about our file. We weren't numbers, we were people. The entire time, it was like asking family for help. We appreciate all that Pam did to help us in this process and HIGHLY RECOMMEND her for your lending needs. read more

Pam was extremely helpful throughout the entire process and answered all of our questions as detailed and as simple as possible for a first-time homebuyer to understand. Quick and easy process throughout the entire loan application. We highly recommend and refer her to all of our friends and family. Thanks for everything Pam! read more

Short version: Contacted Pam around Nov 2018. Decided on a house we liked on Dec 2018. Closed in Jan 2019. Easy breezy. Longer version: We were looking for a house at near end of 2018. Wanted to get an agent for help, especially this is our first time buying a house and didn't know anything about real estate. Problem is, there's a lot of agents out there to choose from and vying for attention. We have no clue who is better than who, and also afraid we might have chosen someone that didn't have our best interest at heart. A friend recommended Pam to us with high praises, and after initial phone conversation, we decided she's the one. She went straight to the point and advice us on type of homes we wanted and the price range etcs. Then, she leave us to alone to look for any house that interest us; never once did she try to badger us with unwanted home recommendations and such. She's always available to answer any questions we have, be it through phone calls or text, day or night. Her working hours seems to be around the clock. Very efficient and considerate. When we finally found the house we wanted, she helped us through the initial offer, reasonable negotiations and fought for our offer acceptance (there are more offers at that time). And our offer got accepted, obviously! Thanks to Pam and Tai, our loan process (and the whole house purchasing process honestly) went smooth and quick. They made the seemingly mountains of paperwork easy and convenient for us to get through. And all the time, we were kept informed with the latest information on what's happening. We were literally guided from start to finish like a novice we are, and not once do we feel like we were misinformed/misled/fooled even after house closing. They even went out of their way to give us tips and tricks about our house, design ideas, improvement and potential repairs. Thanks both Pam and Tai very much! I'd totally recommend them to anyone who needed agent/broker/loan services. read more

Pamela Nguyen was super helpful with our refinancing. Gave us options, and explained it very clearly. Even after the refinancing, her prompt responses never fails. She will find out answers right away to any questions you have if she doesn't know it yet. Pam is probably the 4th lender we've come across to, and she beats them all. Fast, reliable, and will look out for what is best for you and your family. We are so blessed to have crossed paths with her. read more

Pam and her staff have been absolutely amazing to deal with throughout our home buying process. We had a difficult and challenging buyout situation with our sibling. Pam handled all of our questions and guided us through the loan process with her knowledge, savvy and experience delivering a million star performance review. We can't thank Pam enough for her diligence, professional service, dedication, determination and support throughout our loan process. We are forever grateful to her for assisting us and handling a very difficult situation. Thank you, Pam we appreciate everything you've done for us and would highly recommend her to anyone for her services. read more

Pam is the greatest loan officer I've ever met! We just moved to Cali 1.1/2 ago. Never expected to even buy a house this early because the time frame that we are here is not long enough to purchase a house.. But Pam made it happen for us! She's a hard working, professional, intelligent, genuinely and a funny person to work with.. She made it so easy for us. She guided us through every way, step by step to the point that I don't have to worry about anything because I knew I was in good hand. There was some issue with our appraisal the first time and she personally put her own money out to help us to rehire a different appraisal person for the second time. After everything is done now we own a house and gained a good friend! I truly recommend to work with Pam and her team.. They will make your dream come true! read more

Pam is a miracle worker! As a first time homebuyer, I had no clue what I was doing. My budget was small, I'm an independent contractor and I was looking for an FHA approved building. Basically I'm a worst nightmare for anyone looking get loan funding. Yet Pam was able to get me through the process and put the house keys in my hand! I can honestly say I would not be a new homeowner today without Pam. She is efficient, organized, a multitasker to the umpteenth degree. I knew what was going on every step of the way during the home buying and loan approval process due to her constant communication. At no point did I ever feel lost in the process, and quite honestly, I felt like I was getting the treatment of someone who was purchasing a multi-million dollar home when my budget was under $300K. I am forever indebted to Pam for making my homeowner dream a reality, and she now has a lifelong client. read more

I have done refi with Pam two times. She is amazing and professional. She responds me quickly even weekend. She helps me through the process and always be there if you need help. I'm definitely to do it again with her in the future. read more

Couldn't say more great things about Pam. This isn't my first property, so I did some shopping around for a good rate. I decided to try yelp, as it's rarely been wrong. I was looking to buy a rental property and I had a difficult situation with my loan. I reached out to Pam, and she responded quickly with questions and a bunch of info. She fought incredibly hard to get my loan approved, and was always responsive. I think I texted her almost every morning around 8am with updates and docs, and she always responded. She educated me about all the potential issues and did a great job of managing my expectations. Not only did she help me get the loan approved, she got me an incredible rate, and a huge rebate. Since then, I've recommended her to a couple of friends who are looking to buy., and will continue to do so. Thanks Pam!! read more

Pam is nothing but exceptional! She is quick to respond to questions, has a strong knowledge of the industry, and has great people skills. I was even more impressed when I was not even a client and was asking her questions and she still answered them. Most reps will not help you if they feel they are not getting business from you but through our conversations I can see Pam really looks out for people. She is someone who can be trusted and I highly recommend her for any loan! read more

Pam is the best. She is fast, communicative and excellent at what she does. I originally found Pam on Yelp and tried working with her in mid 2014. I put in bids on a couple of places and nothing panned out. Over the following year she checked in once or twice, which is perfect, not too pushy, but on it. When I decided to start looking again, she had my info ready to go from a year prior. This builds huge trust for me, as a lot of people are not that organized. Because she is so organized, I was able to go from reaching out to her, to an accepted offer on a home within 48 hours. That is the speed you need in the market in SoCal and she delivered. She is the second broker I've worked with, the first one was great; but Pam was better. Had I worked with someone else, there is a good chance I would not have won the bid on my home. Anyone can find you a loan, few people can help you win. Pam helped me win. read more

I'm a recent first time home buyer. My experience with Pam was outstanding. She is professional and knowledgeable in what she does and she made the whole experience fast and easy. She was very informative and provided new posting daily. With her help we were able to find a beautiful home that was well within our price range. read more

I bought my first home and have just refinanced with Pam. She helped guide me every step of the way. Her expertise and knowledge made the process so easy and quick. Any questions or concerns that I had, she resolved swiftly. I look forward to continuing to work with Pam and OC Mortgage Solutions. I'll definitely recommend her to all of my family and friends. read more

Pam helped us secure a loan for an investment home. She was reliable, knowledgeable and very responsive throughout the process. We had a short escrow, and she made sure we were timely with our paperwork. Pam is really a pleasure to work with, and I highly recommend her! read more

Today is the official day that I'm a new home owner thanks to Pam!!! Where do I start, if you can find all the adjectives for the word Amazing, that is Pam. I had difficulties getting a loan due to being self employed but Pan moved heaven and earth to find me a way to become a home owner. She will instantly update you and answer all the questions. She will hold my hand for every steps of the way since this was my first time buying a house. I had issues small and big with difficult loan process but Pam encouraged me every step of the way. I can not recommend enough to people how wonderful and hard worker she is. She is real folks and this review is as true as possible. If you need a loan call Pam, trust me it will be the best thing you ever did. Thanks you so much Pam!!! read more

Pam has helped me tremendously back in 2011. She was always on top of things, very professional, and always looked out for my best interests. Fast forward to 10/2015 for a refinance. Nothing changed. Still on top of things. Still very professional. And always looked out for my best interests. This refinance was the most painless process I've ever had when it comes to home financing. From the time we locked in a rate, to the time it funded, was about a week. She'll definitely be the first person I call for future needs. Thanks, Pam! read more

As a first time home buyer, I received a great deal of support from Pam. She was efficient, patient, friendly, and overall very helpful. If you are a first time home buyer as well, I would definitely recommend Pam. She's professional and amazing! read more

Pam Nguyen at OC Mortgage Solutions is a true Mortgage Broker and Real Estate Professional! She was very efficient, professional, and extremely responsive and was on top of every detail. She answered all my questions and made the transaction very smooth and stress free. She closed my loan in a timely manner as promised; less than two weeks. She got me into my new home in less than 25 days. She is different from all other brokers because she truly cares about her clients. I recommend Pam Nguyen for all your mortgage needs. A true Professional. UPDATE 06/27/2016 Amazing Amazing Amazing!!!......Once again Pam Nguyen at OC Mortgage Solutions has done it again! We have just closed on our new Rental Property. She was very Professional, extremely ethical, efficient and met and EXCEEDED ALL OUR EXPECTATIONS AND MORE! She was acting both our real estate and Loan agent. She answered all our questions and updated us constantly. She took full control of the process and took care of all situations that arised. Currently, Pam is in the process of refinancing my other property. I truly recommend Pam Nguyen and her team at OC Mortgage Solutions for ANY AND ALL your real estate or for loans needs. Kudos to her new assistant. Great team work! read more

OC Mortgage Solutions, Inc is great, got my loan refied quickly. Pam is fast and knows what is needed to get the job done, she doesn't play and works extremely hard for you! Thank you for taking the time to answer all my questions and being patient with me, your honesty gave me peace of mind and that's what I was looking for. Great job! read more

This is my first review, and I signed up for Yelp just to tell the world how great Pam is. I'm grateful that I found Pam, she was extremely knowledgeable, professional and kind. We had a complicated refinance situation, she fought to make it work, and her efforts aided us in a successful approval of our loan. She is very responsive to calls, texts and inquiries at nearly anytime of day, and she was amazingly fast in moving the approval process forward. I'll definitely come back to Pam for any future loans needs and would highly recommended her to anyone looking for a home loan. I'd rate Pam with many more stars if I could, but Yelp is only limited to 5, and those 5 stars are very well deserved by Pam. Again, Pam is the best, I refer to her as my home loan HERO! read more

What can I say about Pam that hasn't already been said. I live down in San Diego so I have never meet Pam in person but I would still trust her with absolutely everything! She is a kind and wonderful person. She has always looked out for what's best for my family and I. We definitely aren't her only clients but she made us feel as if we were the only ones. She is very easy to communicate with, she is reliable, kind, and overall just a good person. I am truly blessed to have known Pam and work with her over these past few years and I am blessed to be able to call her a friend. read more

I wanted to say thank you to our generous and very helpful agent Pam for getting our dream house since day 1. She's on hands with everything and always make sure that we are satisfied with everything before she close the deal!I will definitely recommend her 1000 percent with no doubt I am assure you that you won't regret choosing her for buying or refinancing your house! Definitely worth with everything,I can't thank enough much with everything that she did for me and my family thank you big so much for everything..she's the best!!!! read more

Pam was AMAZING as our lender and she worked so well with our realtor Judy Uong. They make a great team!! I have nothing but positive remarks for Pam as the best most professional and hard working lender. She explained the entire process with the loan docs and escrow so well. I highly recommend Pam as she will become your best friend throughout escrow. She is very reachable as i was texting her at 11pm (and past that too) on the phone. She was very helpful and even helped me recently to understand my property tax bill. She is very informative and easy to talk to. I cannot express how easy Pam made our home buying experience with the escrow process. Thank you Pam!! read more

HIGHLY RECOMMENDED!!! Pam is extremely professional and very efficient! She is very thorough, detail oriented, helpful as well as personable. She is always 1+ steps ahead of the process, making sure all the "t's" are crossed and "i's" are dotted to ensure the whole loan process goes through smoothly and escrow closes on time. Pam's services are exceptional, she is very trustworthy. I am so fortunate she was there to help me with my recent purchase, all the paperwork I submitted in was already giving me a headache and Pam took it on to "iron" things out for me. She is persistent and very hard working. She makes herself readily available for any questions and/or follow ups. I HIGHLY RECOMMEND Pam for ALL your mortgage services! She is the BEST you will find out there. read more

The five star reviews here are right- Pam really is amazing! I got in touch with Pam months before we started shopping for a place, and she was incredibly generous with her time explaining the process to me. (I was unfamiliar with the process for buying a property in CA, and had limited US credit history after living abroad for a long time.) When we started looking, Pam and Tai did a fantastic job helping us to find a place, and negotiated strongly on our behalf to get a good deal. I never had to chase anything up - Pam anticipated everything and was always a step ahead (which is unusual for me, as I'm very organized). I always felt like I was Pam's #1 client, even for our relatively modest (by CA standards!) home purchase. I would give six stars if I could, and recommend them without any hesitation. read more

This is my first yelp review and it's probably the most well deserved. I recently moved from the bay area down to Orange County for job relocation. I was looking for a house and found Pam through Yelp. I meticulously read each of her reviews and was thoroughly impressed, but skeptical due to her rating being so high. My skepticism went out the window after speaking with her. Her professionalism and disposition were warm, kind, and knowledgeable. I had a gazillion questions that were answered even before hiring her as my agent. She spent quite a lot of her time to guide me through the buying, negotiating, financing process. She was fast in responding to my emails and text unlike other agents I've worked with. She handled everything and the process was just that smooth. It was a one stop shop. I just want to say, "THANK YOU"! read more