Optimum First Mortgage Mortgage Review 2020

By Peter G. Miller

About our reviews

Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs. Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly. Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

Optimum First Mortgage

Bankrate Score

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3.3

User reviews
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( 434 )

5.0

Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

Optimum First Mortgage is a highly-rated mortgage lender which has originated more than 20,000 loans. The company does business in Arizona, California, Colorado, Florida, Idaho, Illinois, Michigan, Ohio, Pennsylvania, Texas, Virginia and Washington. Established in 2008, Optimum First Mortgage is headquartered in Fountain Valley, California.

Nationwide availability

Available in Arizona, California, Colorado, Florida, Idaho, Illinois, Michigan, Ohio, Pennsylvania, Texas, Virginia and Washington

Minimum credit score

Optimum First Mortgage follows loan program guidelines. However, it does not “layer” requirements. This means if a program says an applicant must have a 620 credit score, Optimum does not require a higher score, say 660. As always, credit score requirements are subject to change. Contact the company for the latest details.

Loan types

Fixed-rate, adjustable-rate (ARM), FHA, VA, biweekly mortgages, reverse mortgages, stated-income mortgages

Pros

  • Wide range of mortgage product choices
  • Online loan applications with help from mortgage loan officers
  • No layering on top of loan program requirements
  • Strong applicant approval

Cons

  • Not active in all states

Find your mortgage match

Get paired with your best mortgage offers in 2 minutes or less.

Optimum First Mortgage overview

Loan types

  • Fixed-rate
  • Adjustable-rate (ARM)
  • FHA
  • VA
  • Biweekly mortgages
  • Reverse mortgages
  • Stated-income mortgages

Lender fees

Not available.

Minimum borrower requirements

Not available.

Get started with Optimum First Mortgage

Borrowers can apply online.

Hours

Monday - Friday, 9 a.m. - 6 p.m. PST Contact: 877-816-7846

Optimum First Mortgage consumer rating and reviews

5.0 reviews
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99% recommended

Customer Service Rating

Knowledge
5.0
Level of service
4.9
Professionalism
4.9
Responsiveness
4.9
0 out of 0 rates honored
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(434 reviews)
5 Star
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1 Star
426
3
1
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3

The reviews posted on Bankrate.com ("Bankrate") are individual, subjective opinions of reviewers, and not of Bankrate. Bankrate does not endorse any of the opinions expressed by reviewers or any responses to reviews.

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Showing 10 of 73 Reviews
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Eva B.
Aurora, CO

10/30/2019

Exceptional Customer Service!

Thank you so much to Jeff Clark for his sure handed guidance and diligent responsiveness during my refinance process. I really appreciate the time he took to explain the options and for providing regular updates. It was a smooth sailing process to refinance my home and get rid of my PMI!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Kim J.
Santa Clara, CA

10/31/2019

Best refinance experience ever!

I appreciate the teamwork of both my loan officer, Tina and Christian, my loan processor. Together they executed a flawless loan closing for my refinance. I also love the lifetime rate protection guarantee that this company provides. This is the first time I've heard of such a program. I highly reco...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Joanna L
Hayward, ca

11/4/2019

Smoothest Refinance Ever

Sean Chase assisted me every step of the way, was extremely knowledgeable, responded to all my questions and concerns in a timely manner. Highly recommend! He had the best rate, and I did a lot of shopping around.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Rich
ca

11/8/2019

Easy Stress Free Process

Pete made the our refinance about as easy as it could be. He was good at explaining all of our options and was open and honest about the entire process. Would definitely recommend his services to others

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Mark M
Torrance, CA

11/9/2019

Highly recommended

Jonathan Cave and his team did an excellent job with our refinance. He was true to his word, professional and was a pleasure to work with. We recommend him to others who are considering a loan or refinance!

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Rami
orange,ca

11/12/2019

Great Experience with Tina

Tina is the best loan officer I have ever worked with. I highly recommend using her for any of your mortgage needs. Tina is courteous, responsive and knowledgeable and has a true desire to help her clients. If you have had a bad experience with other lenders out there in the past with getting a mort...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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David B.
San Jose, California

11/15/2019

Zero Fees and Zero Hassles

I have worked with Michael Hansen over the years to re-finance my mortgage many times. Each time, Michael was forthright, diligent, and efficient. When I told the representative of my existing mortgage provider that I was going to re-fi with Michael Hansen and Optimum First instead of his company b...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Karl M
San Ramon, CA

11/20/2019

Friendly and efficient

In my experience of some decades of applying for real estate loans, I have never encountered a more helpful, courteous and efficient specialist as Mr. Michael Hansen at Optimum first Mortgage. Now, It has been the the third time that he has helped to secure a loan for me, and it was quick, painless ...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Matt K
San Diego

12/1/2019

Excellent

I actually can’t believe how quickly and efficiently this company works; specifically Rick Watson. He was able to close our refinance in only 12 days with an awesome new rate, drastically dropped monthly payment and we have a month with no mortgage on top of all that just in time for Christmas. I ...

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes
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Bruce McDonald
Auburn, CA

12/2/2019

Awesome Experience With Optimum First Mortgage

I had an awesome experience with my refinance at Optimum First Mortgage. My loan agent Dandrae Bristol, was extremely helpful and efficient and she refinanced my home loan very quickly and without any problems. I highly recommend Dandrae Bristol and Optimum First Mortgage.

Knowledge
5.0
Level of service
5.0
Professionalism
5.0
Responsiveness
5.0
Rates honored:
Yes
Would recommend:
Yes
Mortgage closed:
Yes
Closed on time:
Yes