Optimum First Mortgage Review 2025

Great experience! Will call Joseph again for my next purchase!

Poly .
Sacramento, CA (May 28, 2025)

From my initial phone call with Cody, through every conversation and question thereafter (there were many) to the final phone call from him to let us know our loan had funded, Cody was a consistent and consummate professional. His skill, knowledge, and care extended beyond ensuring our loan experience with Optimum First was the absolute best, as he shared his vast experience as it applied specifically to our situation. I am grateful to Cody for sharing and communicating clearly and effectively- I feel like I received a "mini education" from him as he patiently answered all of my questions! I will highly recommend Cody and Optimum First to all of my friends and family!

Laura
Rocklin, CA (May 27, 2025)

I had the pleasure of working with Mayah on our first home loan. She was so helpful walking us through the process as first time buyers. She was super quick to respond to questions and her and her team were always prompt with follow up support. Her and her team even were able to move up our closing by a week to fit our schedule. We had a great rate in this crazy market and having free refinancing when rates go down is the cherry on top! We would absolutely recommend Mayah at Optimum to any of our friends and family needing a loan provider!

Haley
Phoenix, AZ (May 27, 2025)

Response from Optimum First Mortgage:

Haley - Closing early is Mayah's specialty we appreciate the trust you put in us being a first time home buyer.

I recently closed on my new home, and I can confidently say that I couldn’t have done it without Erik at Optimum First Mortgage. Erik was absolutely phenomenal throughout the entire loan process. From the very beginning, he demonstrated unmatched patience and professionalism, guiding me through what turned out to be a nearly year-long journey. I had a lot of questions, needed frequent updates, and faced my fair share of stress — but Erik was always there. He took every call, answered every question, and made sure I understood each step of the process. His calm, steady demeanor and deep knowledge helped me feel supported and confident from start to finish. Erik goes above and beyond for his clients, and I’m incredibly grateful for the time and care he dedicated to helping me secure my loan. If you’re looking for someone trustworthy, responsive, and truly committed to your success, I highly recommend working with Erik.

Rishi K.
Chatsworth, California (May 27, 2025)

I worked with Alyssa on a refinance that was previously denied by Rocket Mortgage and we closed in 2 weeks!!! Working with her was wonderful and her team is amazing as well. She is also very responsive and answers the phone or calls back within minutes. I will continue to refer them and they have a lifelong customer.

Arman R.
TX (May 27, 2025)

Response from Optimum First Mortgage:

Arman - Thanks for the wonderful review

Throughout the process, I consistently sought clear information, timely responses, and proactive solutions. Unfortunately, Optimum's communication was limited to brief replies, lacked necessary detail, and were reluctant to escalate matters when appropriate. Despite my repeated requests for clarification and alternatives, I was met with defensiveness rather than collaboration. At multiple points was accused of being disrespectful, when in fact I was articulating specific service concerns and asking for management involvement—actions that are both reasonable and professional in any client-service relationship. I was called on the phone and harassed for asking for the manger's email from the college loan processor I had also been working with after the main loan officer refused to provide that information on multiple occasions. I even ran our email transcript through GPT to evaluate if I was being disrespectful and just unaware: "The core issue seems to be that [agent] is taking professional criticism of his service quality as personal disrespect, when in fact [client] is making legitimate requests for better service, clearer communication, and appropriate escalation paths - all of which are reasonable expectations in a professional financial services context. [agent's] accusation of disrespect appears unfair and seems to be used as a deflection mechanism rather than addressing the legitimate service concerns being raised."

Dissatisfied C.
WA (May 25, 2025)

Response from Optimum First Mortgage:

Dissatisfied Client - Please feel free to reach out to me directly. I make sure every client and agent has my personal contact and cell phone and I 100% respond to every call or text. I'd love to know what exactly happened as I have zero knowledge of any unhappy clients of Optimum First Mortgage. I can be reached directly on my cell at 949-485-9242 Robert Drenk owner of Optimum First Mortgage

I filled out a preliminary questionnaire on Bankrate to see competitive mortgage rates. Not 5 minutes later, my phone rang and Alyssa from Optimum was calling. She very clearly and concisely told me about the current rates for different purchase prices and down payments. We paused our buying journey a bit after that, but 6 weeks later when we found our new home, I reached back out to Alyssa and she got us taken care of. The process with Optimum was efficient and so easy. We even moved our closing date up about 10 days and Optimum was able to get everything handled for a quick and easy close. I can't recommend Alyssa and Optimum enough!

Hayley
Oklahoma City (May 22, 2025)

I recently had the pleasure of working with Alyssa as my loan officer for my mortgage, and I couldn't be more satisfied with the experience. From the very beginning, Alyssa was incredibly professional, knowledgeable, and attentive to my needs. She took the time to explain every step of the process, ensuring that I felt comfortable and informed throughout. Alyssa's dedication to her clients is truly commendable. She was always available to answer my questions and provided timely updates, which made the entire process smooth and stress-free. Her expertise and attention to detail were evident, and I felt confident knowing that I was in good hands. I highly recommend Alyssa to anyone in need of a loan officer. Her exceptional service and commitment to her clients make her a standout professional in the field. Thank you, Alyssa, for your outstanding support and guidance!

Max F.
Orlando (May 22, 2025)

Response from Optimum First Mortgage:

Max - Thanks for the trust and business Alyssa is one of a kind no doubt!

Optimum had the best rates and costs to be found after I shopped several lenders. Jeff and his team were super professional and made the process seamless. I was skeptical at first because the rates were so good, but they came through! Some things are not too good to be true! Pro tip: Shop the notary - especially if you're in a high density area. You may save a few hundred dollars...

A S.
East Bay, California (May 21, 2025)

Response from Optimum First Mortgage:

A S. - We appreciate the review and we are dedicated to being the best priced lender out there with the best service. Thanks again

My fiancé and I had a great experience using optimum. Our broker Kimberly gave us guidance and insight every step of the way. Even prior to us choosing to work with Optimum Kimberly gave us advice on loans and processes. She was extremely knowledgeable and extremely accessible. I would not hesitate in the slightest if you’re looking for great customer service and knowledge! (Icing on the cake was the offered rate!)

William Z.
Portland, OR (May 21, 2025)