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

Pam was absolutely wonderful to work with. In my experience, there are only a few people I've…read moreencountered who are truly amazing at their jobs, and she's one of them. Working with her felt personable from start to finish. She made it clear our best interests were her priority the entire way through. She was incredibly helpful, guiding us through every step of the process and making it as simple as possible. She was always readily available to answer questions and lend a hand whenever we needed it. If anything, she works too hard! If I could give her 10 stars, I would. I highly recommend her.

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 thought I would never end up buying a house...so when I found my dream home just randomly driving…read moreby one day, I realized I didn't have any knowledge of how the process work. While my parents introduced me to a family friend who was a real estate agent, I had no idea how to go about finding a loan officer! After digging through Yelp/Google, I stumbled upon Meridox Mortgage that had stellar reviews and took a chance. I called Meridox and was put in touch with Trung Tran. I let him know that I didn't have any knowledge of how the house-buying process works, but he was incredibly supportive and assured me he would walk me through every step. Shortly after we finished talking on the phone, he sent me a list of items to provide for the pre-approval letter. Trung's turnaround was quick. I sent him my information in the evening and got the letter the next morning. My real estate agent used this letter to draft the offer...it was accepted! After my offer was accepted, the rest of the process was somewhat nebulous, but my real estate agent worked closely with Trung to help me through. Trung was with me every step of the way. He patiently explained how my monthly mortgage payment and closing costs were calculated and even helped me negotiate a home insurance offer. He even kept a close eye on the market and advised me when I should lock in the rate. I thought home buying would be more stressful, but it wasn't as bad as I thought because Trung made every step clear and was very on top of deadlines. From pre-approval to loan closing, it took just one month! Thank you Trung for being so diligent and patient in helping me secure my dream home! Trung was also very proactive in reaching out to me a few months later when interest rates dropped by about 1%. I had the honor of working with Trung again for my refinance, and it was also efficient and painless! I recommended Trung to my coworker recently when she was looking to buy a condo. Highly recommended to anyone who is in a market for a house to look into Meridox!! Thanks again for your hard work, Trung!!!

I cannot recommend them enough. Linh is an amazing service provider, and she will meet you at your…read morelevel. A little background: I did 2 house purchases, and 1 house sale by myself without a realtor before engaging Meridox. I didn't need handholding, because I was not a first-time buyer. I wanted an advisor who can give me an honest opinion as to pricing, knows the neighborhoods, and can negotiate with the seller's agent. Linh was so on top of things. She understood that I was busy and scheduled multiple showings for me on weekends. She mapped out our route, so we can be efficient with time. She never asked me to consider any property that was outside my price range or not what I was looking for. I was able to knock out many home viewings with her, and we put in a couple of offers. I saw a house that fell out of escrow. I messaged her, and she was immediately on it. She showed me the house, called the seller's agent, and basically convinced the seller to take my offer that was a tad below listing that either that same day or the next. (OC is a hot market, so this was an incredible deal! My other offers all sold above listing.) She was incredibly responsive, super sharp, and very easy to work with. I used Meridox as my mortgage broker as well and used them again to refinance a year later. Very seamless and easy transaction. Forget all the agents who claim to "treat you like family." Choose Meridox: the true professionals.

My husband and I recently purchased a home with the help of Byron, Jinny, Derek and Russell. I…read morecould list a hundred reasons why I love this group so much, but a few that stood out are: 1. From day 1, they've been very honest and transparent and there was never any surprises that could push back our escrow. If they thought that we would have possible issues, they told us upfront and so we were always prepared for anything. 2. If it's your first time purchasing a house, terms and numbers are confusing. But they've explained everything to us so well. And if we found a house that we liked, all we need to do is send Byron the address and he would email us with the numbers which really prepared us for anything! 3. They're all easy to reach. I could email now and get a response in less than an hour, and if it's important, I could get a call back in minutes. 4. Customer service skills is unparalleled. 5. They give you cookies from Cravory cookies (which is to die for). And once Russell found out that we loved the cookies, they sent us another box! So if I could give them 10 stars, I would. We've had such a great experience with this team, and would highly recommend them to our friends and family.

Came here on a Monday evening to discuss and start to understand the (first time) home buying…read moreprocess. I had been receiving detailed instructions and assistance from Byron Watson and his team on how to find the place - and they're located across from the Irvine Spectrum, on the 7th floor of the Smile Brands building in Irvine! As I was ushered into the office, I quickly saw that they were ready for my visit. I was greeted pleasantly by the staff and noticed a welcome board with my name on it - wow, impressed already. After some pleasantries, we got some water and got to work. Byron was extremely helpful and patient when explaining every detail of the home buying process that we could get to in our two (2) hour time frame. This meeting definitely increased my confidence and willingness to buy a home, and I'm glad Byron and team were there to show me the first step! Will remain in contact with Fairway and Byron throughout the purchase and financing process. A very professional and informative experience that is really valuable - definitely recommend to anyone that's new to this stuff as well :)

The only mortgage lender I would use from here on out. Seth is honest, knowledgeable, and truly…read morecares for his customers. He spoke to me about some concerns about the deal to make sure I was aware, and I don't think any other lender would have done that because they would just want the deal. They have competitive interest rates and even matched the fees I quoted. His team, Summer and Bernie, were organized, communicative, and so quick that we were able to close in 21 days. Can't thank them enough.

Full circle home loans was an absolute joy to work with. The transition of buying a home was so…read moresmooth and easy. My wife and I would definitely use there services on our next home. Thanks everyone at Full circle.

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

I give Steven a 5 stars! I have been working with Steven and he is super fast to closed all of my…read moreclient loans in 15 days without a hazzle. I'm a realtor and I want things done fast especially in this current market. I have been searching for the lender who can provide great customer service, work with escrow and title for delivery, and solar transferring within a time constraint. Steven is a team player, he helps everyone and get everything done within a timeframe. He is super good! He is by far the best lender I have ever work with. He is very knowledgeable, quick, and efficient during the loan process. He explains very thoroughly from the start to the end. More importantly, he is available 24/7 whenever you needed him. He win my business and go beyond my expectations. I will definitely continue my business with him. I also myself purchase a home through Steven without a doubt Steven waived my appraisal so I don't need to carry in the difference at the end. He closed it in 15 days with the lowest rate for 30 years fixed. Super nice and I'm very pleased with the result! I highly recommend Steven. You should definitely give him a try and you won't regret.

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!

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 her team kick a$$! Mike helped us with a HELOC and I'm glad to say from the moment we…read moreconnected it was a wrap. Not only was the process made easy to understand, it was completed from the comfort of our home and our schedule.The team is flexible, quick, knowledgeable and most importantly explained it in a way that made sense to us. Our HELOC closed in a little over a week. Mike was in communication with us which felt like 24/7. If anyone is looking for a reputable lending team look no further.

Mike was awesome to work with during my home refinance. As a new homeowner (and one that is always…read morelooking to save, yet doesn't know exactly how to do so), Mike was incredibly helpful all throughout the process. He educated me on the pros and cons of doing so and also made it very applicable to our specific situation. It's important to note that this all happened during the first six months of the pandemic where there was just so much uncertainty. All in all the process took maybe 3ish months from start to finish and we have been happily locked into our new rate the last year and a half or so. Throughout this time he was incredibly responsive, sending text replies within minutes of me sending off any questions (but not so responsive that it became unmanageable). Communication is so important and doing it right means you always earn my business. I plan to continue discussions with Mike for future similar inquiries. Thanks, Mike!

Our amazing financial journey with Mike Lee began in the first quarter of 2021. He was referred to…read moreus by an amazing Real Estate company, Livingstone Realty Group. We were looking for ways to reduce our debt. Mike was and is very professional. He guided us through the process and offered personal professional assistance at anytime of day and the few times that we needed questions answered late into the night, he was there for us both times. Yes, that's not a typo. He facilitated our cash out refinance and the last quarter of 2021, he facilitated a refinance to further reduce our interest rate!! He is an amazing mortgage broker and we highly recommend him for anyone who needs an honest, thoughtful, professional, and genuinely caring person whom you can trust has your best interest at heart. As we move forward into semi-retirement, we are relatively debt free thanks to Mike and his guidance while facilitating our financial needs. He is simply the best of the eight mortgage brokers we have used in our property purchases and refinances. Gail and Rufus Thompson

I am pleased to recommend Modern Mortgage Lending Inc. DBA's Modern Lending & Modern Lending Team,…read moreThe team worked hard for nearly two months to get us qualified and approved for the purchase of our new home. Michael Burkey (Realtor) helped us align all properties we were interested in viewing, Michael listened to our likes and concerns about the house we were looking for, What impressed me most was not just his passion towards his work, but the discipline behind it. Alonso Lerma , Mónica Paez, Cara Pico, Lola Hansen they communicated clearly, met deadlines, and showed us what was working and what needed to change. I would confidently recommend Modern Mortgage Lending Inc. DBA's Modern Lending & Modern Lending Team to anyone looking to purchase a house.

I worked with Alonso Lerma and he was an excellent Loan Officer! He was fast at collecting all my…read moreinformation and processing the loan for me. He was readily available when I had questions and he explained the process well. He updated me every step of the way, whenever the status had come closer to us getting loan documents drawn. I was never left guessing where I was in the process. Alonzo took the time to call me personally, on a number of occasions when a text wasn't enough to answer a question. I thought that type of service had completely gone away; so many businesses are just responding via text and it's hard to get the personalism back and that human connection. Not with Alonso; he assured me that if I had a question, I could reach out any time. And to my surprise, his response time was unheard of, calling me back within minutes of my call or text. I just got final approval the other day and I feel like the process was easier this time than other times when I purchased a home. I have purchased 3 other homes and never had such a smooth process. I also want to recognize his Loan Processor, Itzel as she did a fantastic job on the processing side. I think they make an amazing team and I highly recommend them if you are looking for a loan!