Well, if you read all the 1 star category horror stories, I too fell into that category. The first…read moreloan officer didn't do his job properly, misrepresented himself and ghosted me. I complained to his boss and that stooge ghosted me after a few weeks. I called again for the third time being extremely frustrated and having sent over all the required documents several times... I finally got a wonderful guy named Trey Alvarez to help me out with my loan. I would hope that he finds another company to work for because he is amazing,he listenes and is with you 100% all the way. It took 4 months for this to get funded. Trey was only with me for a few weeks. However he did his job the way he knew it should be done. So this review is absolutly not for Sovereign lending, it's only for Trey Alvarez. Job well done Kiddo. I would leave 5 stars, but that would make Sovereign look good and They were hard to deal with. SO choose Trey, YOU WILL BE IN GOOD HANDS with him.

This company seems desperate. Makes me wonder if they are about to go out of business. They are a…read morepest. I've been getting regular spam emails from them and 3 phone calls just this week with VERY PUSHY people on the phone. They start out asking for me without first introducing who is calling. I ask who is calling and they say Sovereign and that they are calling because I expressed interest in a loan. NO, that was 3 years ago, and your information is very old. But quickly they say there are changes in the market and do I still live at xxxxxxxx. I tell them.... Look, I didn't use you 3 years ago because you were terrible during the initial phase, so I used someone else, so I don't need a loan and there is no possible way you can beat my interest rate since rates are now triple what I have. So leave me alone. They then say, but we like to give you a "free" review. I have to say again, take me off your spam list and stop calling. You are too pushy and rude and not listening to what I am saying, so I will never use you in the future. I hang up. Next day another idiot from their company calls. I have to block their calls. I suggest not using them. This desperation is a big red flag to me. They were terrible 3 years ago and still are today. Also agree with other reviewers that they are clearly very disorganized.

Huge thanks to Mina for being so patient and keeping me updated every step of the way. She made a…read morecomplex process run incredibly smoothly!

As first time homebuyers, we knew nothing about the loan process. Mina was recommended to us by our…read morereal estate agent and many of our friends used her when purchasing their homes. Working with Mina was a dream! She explained everything simply for us and showed us different options to financing our loan that could help us save money up front. Mina is quick and responsive. She turned around our preapproval within 24 hours! I highly recommend working with Mina and her team fo your mortgage needs! We will be referring her to our friends and family.

We are so grateful to Adriel for the work he did to get us into our new home! We had a very…read morecomplicated situation going into this purchase and had already tried working with 2-3 other lenders unsuccessfully before we were referred to Adriel. Adriel faced the challenge head on, gave us the facts at each step, and never promised more than he knew he could deliver. In the end his plan worked out exactly as he laid out to us and we closed on our new home with a great interest rate. We couldn't be more thankful or happy to refer him to anyone no matter their situation. Thank you Adriel!

Adriel has been handling all of my financial needs since the year 2000. From doing my taxes to…read morehelping me get my very first home loan to refinancing my home to getting a HELOC, he has done it all and done it well. He is reliable, honest, devoted, committed to helping you, and tries his best to get you the best solution for your financial needs and concerns. He will continue being my go to man for all my financial needs for the years to come

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

I was referred to Pam at OC Mortgage Solutions by a friend to help my daughter and I get into her…read morefirst house. Pam was very professional and and genuinely a very nice woman. From the first time we spoke she was very thorough and professional . Even though this is not my first experience with a lender, she was by far the best. Communicated every day on interest rates so we would know the best time to lock the rate. Quickly responds to questions and made this seamless for us. I appreciate her help and will use her again when it's time to refinance.

I had several prior lenders that wasn't as interested has me to purchased a home, so after working…read morewith Barry Taylor for several years from a different county, he gave me a lender that would listen to my financial goals to be able to manage an affordable home, he made it happen from westcapitallending.com named Eric Freiboth, he is great at his job and has wonderful manners to his clients and it would be a honor to give him a 10 star not 5 because he truly is good at want he does along with Mari Ungos from West Capital Lending. If you want great service, day and night, go to them. they know their stuff. Thank you both for a wonderful experience knowing I was in good hands Thank you, Victor & Davalyn Garcia

Top rate lending bank. Although I have really a really good credit score. I would recommend asking…read morefor loan officer Ryan Smith. He'll get your loan to the finish line. And he'll be on top of everything. Including communication. He's a great asset to West Capital.

I've had a great time experience working with Newport Capital Funding on a few refinances. They're…read moreeasy to do business with and have competitive rates.

Bobby! Is absolutely the best loan guy out there! I initially didn't think I would even qualify let…read morealone get the best rates on the market. He told me not worry and he throughly went through all of my options for me. He is extremely efficient and knowledgeable! I have referred several friends over. And I'll be using him for all of my properties going forward!

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 team have been so wonderful to work with!! Not only are they incredibly knowledgeable,…read morebut they made us feel so comfortable through the whole process. Never once did I wonder if our team knew what they were doing because I was CONFIDENT that they knew exactly what to do. Plus, as someone who likes frequent communication and updates, the team was really great about that. I would highly recommend the team to anyone looking for a home loan.

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.

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.

Steven was great and easy to talk to when I had questions. He made me feel comfortable on my…read moredecision and was informative every step of the way. I highly recommend this guy!

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!

Honestly, my refinance started off pretty stressful, but Angel Chavez completely turned things…read morearound. He stepped in and took over my loan and from that point on, things felt much more manageable. He was always clear, easy to talk to, and kept me in the loop. He also made sure the original terms I was quoted were honored, which I really appreciated given how much rates were changing at the time. We closed on time and everything went smoothly in the end. I'd definitely recommend working with him. I'm really grateful for his help and would absolutely recommend him.

​Caution: Non-Standard "Teaser" Rates & Bait-and-Switch Tactics…read more​I had a very concerning experience with Optimum First Mortgage. I was initially quoted a highly specific interest rate of 5.123% (a non-standard figure in this industry). Based on this quote, I submitted my sensitive financial documents and authorized a hard credit pull. ​Once they had my data, the rate was significantly increased. When I questioned this, the Sales Manager (James) admitted in writing that the original quote was based on "incorrect input assumptions" and was a "human error." This feels like a classic bait-and-switch: lure the borrower in with an unrealistic rate to harvest their data and credit authorization, then claim "clerical error" to move the price. ​I have officially withdrawn my application and filed formal complaints with the CFPB and the California DFPI regarding these deceptive practices. If you are shopping here, be extremely wary of any quote that seems too good to be true--it likely is. UPDATE TO RESPONSE: Nice try shifting the blame. The data I provided didn't change, but your numbers did. You provided a correct quote, then dangled a fake 5.123% rate to get me to apply, then 'switched' back to the higher rate after harvesting my data. Your Sales Manager already admitted the error was on YOUR end, yet here you are publicly blaming me. This is exactly why I've filed formal complaints with federal and state regulators (CFPB and DFPI). Prospective borrowers: if they quote you a weird number like 5.123%, run. They are just 'capturing the lead' with a rate that doesn't exist.