Optimum First Mortgage Review 2022

I'm a bit of a refi veteran, having gone through it 4 times in the last 2 years. But with rates dipping down under 2% recently, I HAD to do it one last time. I searched on Bankrate.com for the best 15Y refi rates, and came across Optimum First. I had never heard of them before, so decided to give... them a chance based on the stellar reviews I saw in various places. I got matched up with Rick Wall (NMLS# 337843) who immediately connected with me to go through refi options and gather info needed for the refi. Whether it was via text, email or phone, Rick and Optimum were fast, professional, efficient and straightforward. I ended up locking in on exactly the rate and payment that Rick initially worked up for me, which cut my mortgage in half (30Y to 15Y) and saved me hundreds of thousands of $$$ in interest! Highly Recommend Rick Wall and Optimum First for your refi needs. show more

I had the great pleasure of having my refinance handled by Danyelle, Loan Officer. This was by far the best refinance experience I've had. I had actually held off from refinancing even as rates were getting lower, because the last experience was rather difficult. Not so this time. I was told everyth...ing to expect up front, and there were no surprises along the way. From the outset I felt like I could trust what she was telling me. I got a great rate on my loan that just recently closed with very low closing costs. I highly recommend Danyelle and her associates who helped at Optimum First Mortgage. show more

We had a great experience refinancing our primary residence with Thomas at Optimum First. He did a great job explaining the process to us and gave us the confidence to make the best decision for our family. Thank you!

I found Optimum First Mortgage on bankrate.com when I searched for the lowest refi rate and company with the best reviews. I called and Rick Wall (nmls #337843) became my contact. The rate he quoted matched what I found on bankrate so I applied immediately and locked it in. I called on 8/23/21 an...d closed on 10/1/21. The whole process couldn't have been smoother and Rick was there every step of the way. I once forgot he is on the west coast (I'm on the east) and called with a question about 9am my time. He picked right up and answered my question! He is always available by call, text or email and I know he will be monitoring my rate just in case it goes even lower. I couldn't recommend Optimum First or Rick more! Thanks for making this easy Rick! show more

Rick Wall NMLS#337843 was outstanding. Answered all my questions in a timely manner. Explained in details all my options and kept me posted through the whole process. Honest, straightforward and a great communicator

We thought we could never afford to buy a home in California, but once we found our dream home, we needed someone to help us find a mortgage. We could hardly believe it when we saw the fantastic low rates offered by Optimum First online, but they did everything they said they would and more. Our off...icer Danyelle led us through the process clearly, taking extra time to help us understand what we were getting into and making sure we dotted all "i"s and crossed all "t"s. Thanks to the low rates she helped us lock in, we've been able not only to buy our dream home but also a vacation home in the mountains. And their lifetime guarantee is no joke - we've already refinanced our first loan at a better rate and taking years off the life of the mortgage. We could not be happier and cannot recommend Danyelle and Optimum First highly enough. show more

I recently completed my first refinance with Optimum First Mortgage and the whole process was smooth and easy. There was a little bump during the underwriting process but my officer, Magan, was there to resolve the issue. She was accessible and tried her best to accommodate our needs. Thank you so ...much Magan! show more

We have used Optimum First for a few mortgage loans and always go through Peter DiFerdinand. Peter is very professional, honest, and a pleasure to do business with. We know we are in good hands with Peter and we highly recommend him for your mortgage needs! Thanks again Peter!

Between purchasing our home and refinancing we have worked with Danyelle Drenk several times in the past, every single time she goes above and beyond. She is courteous, attentful, knowledgeable and always open for questions on loan and escrow processes we don't always understand. I definitely rec...ommend her to all my family and friends. show more

We just completed a refi with Optimum Mortgage and we couldn't be more pleased. We have gone through this process a few times over the years and this was by far the easiest, quickest and smoothest refinance we've ever completed. Our loan officer Peter Di Ferdinand was fantastic, incredibly responsiv...e and transparent and went over the numbers line by line with me on more than one occasion. Optimum gave us the lowest rate and terms of any other company we spoke with and we will absolutely be back for our next refi. show more