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    Sovereign Lending Group

    2.8 (126 reviews)
    Closed 7:00 am - 8:00 pm

    Services - Sovereign Lending Group

    Mortgage services

    Sovereign Lending Group Photos

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    4 years ago

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    Dan H.

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    5 years ago

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    5 years ago

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    Dan H.

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    5 years ago

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    Dan H.

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    6 years ago

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    Dan H.

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    5 years ago

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    6 years ago

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    Dan H.

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    7 years ago

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    Dan H.

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    2 years ago

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    5 years ago

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    Dan H.

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    5 years ago

    A very unorganized company. This company is over 15 years old and is run like it's in the third month. Terrible

    Helpful 2
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    4 years ago

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    Dan H.

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    Dan H.

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    6 years ago

    Avoid at all costs! Discourteous, pompous, and ignorant about the market. There are SO many other/better choices out there.

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    Dan H.

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    5 years ago

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    6 years ago

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    5 years ago

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    Dan H.

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    5 years ago

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    Dan H.

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    5 years ago

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    6 years ago

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    9 years ago

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    Dan H.

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    6 years ago

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    Dan H.

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    5 years ago

    Great courteous and fast service ! Got my refi quickly and with no hassle! Definitely recommend :)

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    6 years ago

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    7 years ago

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    6 years ago

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    5 years ago

    They did an awesome job. They did my refi in a timely manner and we very helpful.

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    8 years ago

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    7 years ago

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    6 years ago

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    7 years ago

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    6 years ago

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    7 years ago

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    7 years ago

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    6 years ago

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    4 years ago

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    7 years ago

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    10 years ago

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    Page 1 of 4

    Ask the Community - Sovereign Lending Group

    Review Highlights - Sovereign Lending Group

    I will start by saying that Jeannette Richardson (Loan Officer) and Billie Shine (Processor) were outstanding.

    Mentioned in 4 reviews

    Read more highlights

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    Nonprofit Alliance of Consumer Advocates

    Nonprofit Alliance of Consumer Advocates

    (43 reviews)

    I Have read most of the reviews on here and I am currently using the Non-Profit alliance for my…read moreforeclosure that I am currently still fighting. So far, my experience has been that the staff is friendly, knowledgeable, and helpful. The office is professional. A rather large opertion with more than 20 employees. However, I am mostly using them as an auxiliary legal service. Because I am representating myself and as a saftey net if I have to sell my house quickly. I would like to address some of the negative concerns on here. 1. They are not a scam. 2. They need a signed contract to represent you that is why they have you sign an 18 month first right to sell agreement. 3. I have not used thier attorney's yet. However I would say this. Bankruptcy has a very low rate of success for the borrower. Less than 10% complete a chapter 13 payback program. Becuse it is not setup to help the borrower. But rather to make sure the lenders get paid as much as they can. 4. I have met with Pepe he was very nice guy. In fact he even offered my wife who is a realtor without a broker currently. The opportunity to hang her licenses with them. 5. Rey and Jesses are the two specialists i've been working with. They've been great. Foreclosure is always bad and most don't make it out of it unscathed. So there are always going to be bad reviews on companies and lawyers who work in this industry. I am not saying other reviews are not accurate. But the company is a reality company first the specializes in foreclosures in helping people try to save or sell their home to get the profit out. They are not a bankruptcies or foreclosure attorney, though they offer referrals to them if that is what you need. But the company is not a scam. They make money by donations and commisions if you choose to sell with them. Good Luck. Kat

    SCAM!!! Do not trust Victor or Alex. Promises aren't kept. Misfiled paperwork, communication is…read morenonexistent, lies, upon lies, upon lies. Thier word is nothing. They will leave you homeless.

    Optimum First Mortgage - The Team "Optimum First Mortgage"

    Optimum First Mortgage

    (720 reviews)

    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.

    Made Mortgage - I was able to help Andrew and Sam purchase their dream LA home, no easy feat in such a competitive market! Enjoy the awesome mountain views!

    Made Mortgage

    (62 reviews)

    Scott is your go to person when it comes to purchasing a property & mortgage in the Bay Area! He is…read morevery passionate & knowledgeable in real estate. In addition to his rich knowledge, he is professional, helpful, and patient with the mortgage and home buying process. Scott takes time to listen to all of my questions/concerns and provide honest feedback. If you are looking for a property or mortgage, Scott will be the right choice! Thank you Scott for everything!!

    Scott has been nothing less than amazing since the day I connected with him (end of 2019). I was…read more 24 years old at the time with no clear direction of where to start or what I wanted. The only thing I really knew was that purchasing a home was a goal I wanted to work towards. He was extremely patient with me (I had 0 background or knowledge of purchasing a home). He sat me down and walked me through the entire process and broke down every step of what I needed to do in order to get within realistic range of purchasing a home (down payment, salary, pros and cons of each area, interest rates, monthly Morgage payments, home insurance, etc). It took me about 2.5 years before I was ready to seriously search for a potential future home. Scott and his team created a catered search for any homes that met my requirements and it was sent almost daily via email. Never rushed me, took times to show me other potential homes in other area around the Bay Area whenever we had toured a place. Broke down to me what he noticed (pros and cons of each place) and how to navigate it into other prospects. Built a relationship with both my parents (he also speaks fluent Vietnamese) and they absolutely adore him. I never had such amazing customer service/experience in my life - it felt like a friendship more than a transaction. He really listened and adjusted to each modification and any ridiculous question or request was always answered within timely manner. Each time an obstacle came my way Scott and his team always came armed with multiple potential backups, scenarios, tips, or game plans to tackle it. As someone who has no prior experience and suffers from crippling anxiety- my many many MANY concerns were always addressed in a timely manner. My thousands of questions were always answered, and no matter how discouraged I got they always found a path to get me on the right track again. No amount of words can express my gratitude and happiness this amazing group has done for me. Thank you so much for all your help and I know exactly who to reach out to for any future home purchases :) Scott and his team has my highest recommendation

    Sovereign Lending Group - mortgagelenders - Updated June 2026

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