An Exceptional Loan Officer…read more We cannot say enough great things about Montee Skorich with Optimum First Mortgage! We have had the pleasure of working with Montee for over 7 years, using him for home purchases and refinances, and he has consistently gone above and beyond every single time. Montee is incredibly knowledgeable, professional, responsive, and genuinely cares about his clients. He has always made what can be a stressful and complicated process feel smooth and manageable. Whenever we have a question, big or small, he is the first person we call because we know we can count on him to provide honest, knowledgeable advice. After working with him for so many years, we wouldn't trust anyone else with our lending needs. Montee has earned our business and our trust time and time again, and we would recommend him without hesitation to anyone looking for an exceptional loan officer. Thank you, Montee, for always taking such great care of us! We truly appreciate everything you have done for our family over the years. The Cunningham's

Jake was phenomenal to work with! He was so professional, knowledgeable, and accessible. He helped…read moreus seamlessly through the process, and we even closed ahead of schedule! I also so appreciate Optimum's offer to reduce our interest rate if the rates drop - that is such a great incentive to go with Optimum!

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.

Steve was amazing through the entire process and we could not recommend him more highly. His…read morecommunication, follow up and transparency throughout the entire process were tremendous.

Absolutely amazing! Very communitave and answered all of my questions in a timely manner and got me…read morea beautiful rate on my home. Would absolutely recommend Steven

Kelvin Thai, David Bui, and the rest of the Namy team, are the epitome of care and professionalism…read more My wife and her mom had the unfortunate task of handling the final affairs of a beloved family member. Kelvin and David showed empathy and patience while guiding our family through each step of the process. They answered all questions clearly and the communication was consistent and effective. We are very grateful for their assistance during a difficult time. We are looking forward to continuing to work with the good people at Namy Inc. as they assist our family with purchasing a home. I would highly recommend this dedicated company to anyone looking to buy or sell a home. Thank you for everything!

My family and I just closed on our home, and we are extremely satisfied with the service provided…read moreby Namy. Throughout the entire process, Ngoc and Kelvin were incredibly supportive, knowledgeable, and professional. * They explained everything clearly and guided us step-by-step * Always followed up on paperwork and helped us solve issues quickly * Patiently answered all of our questions, even the small ones * Recommended the best loan options that fit our financial situation * Honest, reliable, and truly cared about our best interests Thanks to their dedication, a normally stressful home-buying process became much smoother and worry-free for us. We are very grateful for all their hard work. I highly recommend Namy, especially Ngoc and Kelvin, to anyone looking to buy a home. You will be in very good hands!

Had the absolute BEST experience with the best lender!…read more I'm not new to real estate and have had the opportunity to work with several lenders who are great at what they do, but she truly exceeded every expectation. From start to finish, she was knowledgeable, responsive, professional, and made the entire process seamless. I will HIGHLY recommend her to anyone and everyone I know! If you're looking for a lender who genuinely goes above and beyond, she's the one! Thank you so much Mai! Sincerely, Edward and Debbie

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!

JUSTIN IS AMAZING!!! He's knowledgeable, personable, fast, efficient, meticulous, communicative,…read moretrustworthy, and will make your loan experience enjoyable!! Our escrow experience was incredible because of the seamless work between Justin & our real estate team. Justin was always available to answer all of our questions and encouraged us when our anxieties ran a bit too high. We HIGHLY recommend him to anyone, everyone who's looking for a good and reliable mortgage broker.

I was referred to Justin by my agent who told me that Justin was his go to person for all things…read moremortgage loans. I'm so glad that I went with Justin because he made the process so smooth and painless. Justin was super responsive and never made me feel like I was asking too many questions. It truly felt like he was a partner in the process and like he had my best interests in mind. He is super on top of things and I would recommend him in a heartbeat to anyone looking for a mortgage lender!

I had a great experience working with Jessie on my 2nd lien cash-out loan. I needed access to the…read moreequity in my home but didn't want to refinance my existing first mortgage and lose my current low rate. Jessie explained the options clearly and helped me find a solution that allowed me to keep my first mortgage while taking cash out through a second lien. The process was smooth, communication was excellent, and Jessie and her team kept me updated throughout the entire loan. Everything was handled professionally and efficiently. Highly recommend Jessie if you're looking for a knowledgeable mortgage advisor who can offer solutions beyond a traditional refinance!

Hi Jessie, I just wanted to take a moment to thank you for…read moreall your help with my loan. Your guidance and persistence, especially in navigating and overcome the bonus income with underwriting, made a huge difference in getting everything approved. I also greatly appreciate how quickly you moved the loan to closing and your fast, consistent communication throughout the process. Your expertise and dedication made the experience smooth and stress-free.

We first met Linh on 01/31/2026, the same day we walked into the open house of the home we totally…read more"love at first sight". That day, we already knew we were going to submit an offer. Things moved incredibly fast. On 3/3/2026, we officially closed on the house we made the offer on. The whole journey took less than a month!!! Linh helped us a ton!!!! He helped collect documents, coordinated with the lender, gave us honest opinions about the house/ the location & patiently explained every question we had. He even helped structure our offer so it looked almost like a cash offer, which helped us beat out 17 other offers on the home! My husband is American, very introverted, and extremely busy. Linh was always super patient, he'd wait until my husband got off work before hopping on a call with us. Sometimes we even ended up talking late at night. Communication was never an issue because Linh's English is excellent. Linh is fun, straightforward & incredibly professional. Anyone going through the home-buying journey should have a Linh!!! It truly makes the whole process so much easier! Thank you, anh Linh!

Linh was great to work with! He helped us with our refinance a couple of weeks ago and made the…read morewhole process smooth and easy. He was very communicative, thorough, and always kept us updated along the way. We really appreciated his help and would definitely recommend him.

Excellent, professional guidance to your dream home Highly…read morerecommend Terry is outstanding! Thank you Terry for your professional work to my new home!

Terry at Loan Factory was referred to me by a trusted friend when I began looking for homes. As a…read morefirst time homebuyer, I had no clue where to begin or even what steps were needed to make my dream of being a homeowner happen. Fortunately, Terry was there to guide me through the entire way. He is communicative, responsive, and transparent. What I appreciated the most was his drive to help me close on a home. As a matter of fact, it was because of Terry that I was able to close 2 days earlier than anticipated, and with that, become a first time homeowner--might I add in Orange County too. I wouldn't have been able to do it without him! I highly recommend working with Terry whether you are looking for your first home or your next one. He will make it happen!

I purchased my home in Irvine, CA at an interest rate of 6% in October 2022. Everyone knows that…read morerates increased to between 6.8% and 7.5% from 2023 to 2024. The Federal Reserve cut the rate by 0.5 percentage points on September 18, 2024. My friend informed me that the refinance rate dropped below 6%. I began searching for a new deal to refinance my primary home and submitted some requests with my property and personal information online. At the end of September, Hugo at the Loan Exchange texted me about a great deal. He mentioned that since my credit score was over 800, I qualified for a 5.625% APR with free refinance (0 points, $0 lender fees, and $0 third-party fees). That's exactly what I wanted. The refinance process went smoothly, and my loan was finally funded. If rates continue to decline in 2025 and 2026, I will definitely contact Hugo to arrange another free refinance. I highly recommend Hugo as a capable and professional loan officer.

I recently just refinanced my mortgage with Loan Exchange. I…read moreworked with Daniel Chau. I am a 34 years Real Estate as well as 10 years as a loan processor. My expectations are set very high with my experience and how I managed my files. When I first spoke with Daniel I let him know that I normally work with a person that I have had many wonderful experiences with. I was very concerned about trying someone new. Daniel asked me to give him a try. I decided to and I am so happy I did. Daniel met every expectations that I had. He always answered my questions and took the time to explain different scenarios. He answered my emails and phone calls every time. Even know sometimes I would call or email him on the weekends. He was in the office or on his cell he was there for me. Since, I am in the business I tend to want to mico manage. I didn't have a do that with Daniel. I plan on doing a home equity loan with Daniel as well as another refinance. I highly recommend giving Daniel a try if you want a smooth transaction. Everything Daniel promised me to expect he delivered. I also would like to add that after the loan closed. I received a phone call from Angela from customer support to make sure my experience went well working with Loan Exchange. I appreciate the fact that they do a follow-up.