I met Phil through a realtor. Phil guided me through the basic steps of qualifying for a new purchase mortgage as a first-time homebuyer. He was very thorough with what I needed to do to ensure a clean approval. We went over payment scenarios with different down payment options. I now feel more confident on what I can comfortably afford. There are certain items I need to consider such as the rising cost of homeowners insurance, property taxes, and potential supplemental taxes after the sale...highly recommended. read more

I am very THANKFUL to Phillip Arrabaca's professionalism and knowledge of the industry is REMARKABLE! He was prompt, very pleasant and informative. My refinance was a bit complicated but Phil went above and beyond to ensure that all of our needs were met. HE MADE IT HAPPEN!!! I will highly recommend Phil and his company to anyone! read more

I am writing this for my mother as she does not have a yelp account. Patrick was able to handle my moms refinance refinance astoundingly. After a horrible experience at Chase he got her a stated income loan and cut her payments in half! Thank you thank you thank you thank you! We are so happy! I will most definitely be calling him when I am ready to make my first purchase of a home! read more

I was so fortunate to have found Orange County Mortgage. After being declined at two other lenders. OCM was able to complete my refinance. They even did it at a lower cost than the other 2 lenders were quoting me. I do not know how they did it, but i don't care... they hooked me up. Thanks read more

Finding Orange County Mortgage was great! What made it better was Phil. He provided AMAZING service, efficient communication, helpful, and there for you anytime any questions would arise. Definitely recommend Phil and his team! My mom added me to the mortgage and refinanced. Phil made it a total breeze, despite being in different parts of California. I will definitely go with them again when I will be looking to buy a house myself. Thank you Phil!! read more

Phil Arrabaca. He did a great job guiding my parents refinance their home. He is very professional, considerate and is always willing to help. You can definitely trust him. Overall they have a great team and we will definitely recommend Orange County Mortgage to friends and family! read more

Phil was very helpful, knowledgeable on loan programs & always kept an open line of communication during my parent's refinance. He's now my 'go-to guy' when I have a general mortgage question for purchase or a refinance. Highly recommend. Thanks Phil! read more

Mr. Phil Arrabaca, An amazing gentleman who went above and beyond to assist us with the refinancing process! I cannot express my gratitude in words for the way Phil guided us through EACH process step by step in attentive detail, so we can gain a better understanding and knowledge of it. I'm thankful for his level of expertise in assisting with everything in a highly professional manner. He always provided availability no matter if we just had a quick question, or needed to go over something that required a long explanation. He has gained the utmost respect of my family and I through his hard work and assistance. I'd highly recommend Phil and his team at Orange County Mortgage! Thank you once again! read more

Patrick delivered amazing results under unusual pressure--our financial situation was changing WHILE we were in escrow and Patrick did not give up on us and was able to deliver the loan terms we wanted; we are extremely grateful. read more

Amazing experience with Phil. He was on top of everything and let me know everything I needed to know every step of the way. Great service!

Phil provided A++ customer service and seems to genuinely love helping people with their mortgage needs. I was surprised by the low rates and will be referring all of my friends to him. He just has so much more flexibility than the big retail bank who might find some small reason (or no reason at all) to not close, so I believe Phil offered the highest certainty of closing and super fast service. I'd highly recommend him. read more

Phil Arrabaca helped me refinance my home in Garden Grove. I basically gave him all the paperwork and he got it done quickly and smoothly. He is very knowledgably and professional. read more

Phil provided AMAZING service and really helped me seamlessly through my first re-finance. I highly recommend them and am actually sending my mom to them to do her re-finance. They helped me get a great rate and explained every step of the process to me so I can understand. These guys are first class and I would recommend them to everyone. Thank you so much! read more

I have done 2 Re-fi's with Orange County Mortgage this year. Patrick is the go-to guy for me. He made this process about as easy as it gets. As for any updates or information he has his act together and is very informative about questions you may have and always keeps you up to date on this process. He will always call about current interest rates to see if it would be beneficial to re-do the current contract. I highly recommend Orange County Mortgage. Don't bother with on-line contacts. Patrick will lead you through this process and makes it a snap. read more

I had my refinance completed quickly and had great service from Patrick. He can help with all of your loan needs.

In the process of getting our mortgage Ioan, the staff is very knowIedgeabIe and aIways avaiIabIe, highIy recommend them. They got me approved when nobody eIse couId have. They worked with me from start to finish. I can say sincereIy they reaIIy puIIed out aII the stops for me and my famiIy. read more

Patrick, Thank you so much. Great job. I could not be happier. Fast, honest and effecient. I am a return customer, because I believe in Patrick. He is true to his word, and will go out of his way to help. read more

Over the past 5 years I have done three refi's with Orange County Mortgage. Patrick is the simply the best. He is quick to return calls, he delivers exactly what he says. Refinancing is always a stressful situation, but Patrick takes much of the stress away by his keen knowledge of the market trends. As a repeat customer, he contacts me when he thinks the time is right to get best rate possible for my situation, and every time he has delivered and saved me money. I recommend my friends, family, and colleagues to him and I am always confident that he will give them the same phenomenal service he has provided me. It's always comforting to know that I will never have to look again for a mortgage broker. Thank you Patrick for your wonderful service. read more