Optimum First Mortgage

We just finished a refi and loan with Optimum First Mortgage. Kelly was awesome to work with. She was very helpful and patient. She made the process feel painless and went out of her way to make us feel comfortable and valued. Thank you Kelly and Optimum!

Kelly Schaar is the best, she is very responsive and goes above and beyond to make your transaction hassle-​free. I highly recommend her & Optimum First for all your lending needs! My refi happened in less then 30days!

Did a refinance with lender Alex Shik, great guy and transaction went very smoothly, very happy with company and will recommend to friends and family.

I worked with Karl Sasaki and he was instrumental in both my loan and refinance! Karl was so helpful throughout the entire process, keeping me updated with what’s going on and provided me with a lot of helpful information. Great service and rates! Would definitely use him again or refer to friends and family.

They will have no record of me nor my name, since I’ve intentionally hidden my name for my own privacy here on Unilocal.
I refinanced through them. In hindsight I wish I went through somebody else because there’s million other companies that are good and this one is not unique. My problem, then, is the poor feeling at had when it was all said and done, left with me. The source: their unprofessionalism.
I said I’d shop around before committing and they made me feel bad for wanting to go with the company with the best rate. I’m only looking out for my best interest. I was the most important costumer up until this point. The rep I spoke with also casually swore, which I think reflects poor professionalism. He bashed the other companies when I mentioned them and was bent on their Unilocal reviews. I went with optimum anyway, because I had already invested time, effort and paperwork, making the path of least resistance at that point. Had I been further along with a different company I would have went with another. I recommend a company you can meet in person.

From the very first call, Jacob Osborn was working hard to find the best mortgage for my needs. He started by checking if I qualified for a HARP Mortgage. When he determined I didn’t, he immediately started looking for the lowest interest rate with the lowest points and closing costs.
Jacob answered all my calls and questions in a timely manner and got the loan funded and closed within 30 days.
I strongly recommend Optimum First Mortgage for your 1^st, 2^nd or refi.

I had an amazing experience with Dan! He took care of refinancing my home and I couldn’t be happier with the result. Dan is on top of things and easy to reach (What a concept!). He worked very hard and was able to renegotiate a lower rate for me, even after we locked the rate. Thanks Dan for a job well done!

Mike Timoshuck performed outstandingly. His customer service was far and beyond our experience with the initial lender we started our process with. He was articulate, knowledgeable, confident, available and super-​responsive. I felt secure with his reassurance and guidance. My son and his wife are successful real-​estate agents in San Francisco and I will encourage them to send business Mike’s way because of the excellent service we experienced.

Another satisfied client. Refinanced twice with the help of Dan Rhomberg. My case was as complicated as it gets, but Dan and team was able to find a way to get the job done, with great rates too! He explained my options in great details, and was always available to answer any questions I have along the way. The process took about 8 weeks from start to finish. He’s a true professional who’s passionate about what he’s doing. If you are in the market for a home mortgage, stop searching now, and give optimum first a call, ask for Dan Rhomberg.

This was my first time refinancing a home.
I was unhappy with the interest rate my husband received from our primary mortgage broker on our current home. I felt played. We should have gone somewhere else, shopped around.
Our prior home was purchased through my friend’s mother, who I’d never met in person. I was stunned when she tried to squeeze me into a higher rate before we locked. Fortunately, I was prepared to walk away. She ended up getting to know us personally through her son and is now like family, but sheesh – the cheaty impression stayed with me regarding mortgage brokers. Those experiences turned me into a nervous customer.
My husband put the task of refinance into my hands. He said he’d sign the papers if I wanted to do the footwork.
For the refi, I spoke to several mortgage brokers and a couple financial institutions. I finally chose to work with Mike Timoschuk at Optimum First because I read some convincing reviews (not on Unilocal), they had terrific rates, and I liked his way of working with me. I was nervous to do this deal with no face time. Mike was patient, understood my concerns and seemed to want to make me happy and get me a good deal. He also worked very hard, and quickly, on turning my loan around, from application to funding. The only bottlenecks were on my end. :-)
My spouse is very pleased and confident that I did a thorough job of taking care of this project.
Mike has earned my trust and my repeat business, should I ever need another refi or buy another home. In that event, I will be much more relaxed and trusting and I know it will be a breeze with Mike! I also worked with Lee Glen at Optimum, and wanted to mention his name. I don’t think you can do better with either of these brokers. There were many others on the Optimum team I spoke with, and they were all very professional, prompt, polite and good-​natured. I’d like to extend a hearty Thank You to all the folks at Optimum First!

Bait and switch… After having provided a great deal of requested paperwork, Jason S. said that I qualified for a particular refinance that I wanted: 15 year fixed with no closing cost (except appraisal fee). Then after I signed the provided paperwork to lock-​in interest rate with the 15-​year, I was told that I only qualified for the 30-​year. If you do the math, you are ultimately paying waaaaaay more money in interest refinancing back to a 30. They should not ask for upfront personal info, tell you that you qualifiy for a 15 yr. and then call you to say that you only qualify for a 30. Money was not charged, but time was wasted, and personal financial info was handed over. Also didn’t care for Jason S.‘s aggressive, hostile message that he left when I mentioned that I was shopping around locally and would get back to him before making a decision. I did not use Optimum First Mortgage.

Doris has worked very hard on my loan.

Wow, what a great ride I had with Optimum First! From the get-​go, one of the best companies I’ve worked with. Jason was great, he explained the entire process thoroughly and was able to secure a pre-​approval the same day I got paperwork back to him! From that day on, he was great at getting back to me at any/​all hours of the day, including weekends (not that I expected that from my loan officer but that’s just the way Jason does business). He’s on top of everything, doesn’t BS you, and is not afraid to pick up the phone and call you when he needs clarification or something back asap. Once we found our home, Jason immediately got all necessary paperwork back to us to start the closing process.
The last week we had a few bumps on the road, mostly due to an error on the VA’s part. But fortunately we were able to close right on time! I know Jason worked his butt off to try and make this happen and I’m really grateful for that. Thanks again Jason and Optimum, I won’t hesitate to refer you to anybody and/​or work with you again!

I worked with Optimum and Jonathan on my first home purchase last month. He was great, especially when your new to the process. He took my calls at anytime and never made me feel like I had dumb questions. I truly felt like he was my advocate and he worked very hard to get the deal finished even when there were unpredicted occurrences from other parties. He went above and beyond to make sure everything was done correctly and timely. I knew I was always in good hands.

My loan officer, Jennifer Sasaki, did an amazing job handling my refinance. Jennifer was extremely patient and thorough in explaining every detail of our loan. She kept me updated every step of the way and was quick to respond by phone and email. I strongly recommend working with Jennifer and Optimum First Mortgage to anyone who is looking to refinance. I’d refinance again just to work with her:)

We recently refinanced our home through Optimum First. We worked with John Smith and it was a great experience. John was honest, punctual, patient, and worked hard to ensure that refinance was done in time. We especially appreciated how he looked unendingly for the best rates before locking something in for us. We are definitely recommending him and their organization to friends and family interested in refinancing! Thank you John and Optimum First!

Jennifer was very helpful she was out of her way to help and make it happen. Thanks Jenny.

First let me start by saying I don’t easily trust people. I met Dan over the phone when I received a call back after filling out an online website for a free quote. Right from the start Dan exuded confidence and didn’t resort to beneath him tactics to discourage me from going to other lenders. Once I checked the online reviews and looked up Optimum First Mortgage on the BBC site per Dan’s own recommendation I became a believer.
My experience with Dan Rhomberg has been phenomenal! He walked me through this process every step of the way and answered all of my questions without ever sounding annoyed by my many inquiries. I really appreciate Dan putting me at ease through this process. The proof came when I was able to explain it all to my husband with conviction of knowledge. I knew what to look for and how to answer my husband’s questions through it all. I truly am grateful for all of the hand holding through this. I would most definitely recommend Optimum First and Dan to anyone interested in a pain free process.
I shared with my husband how Dan has a gift for getting people who have never met him or ever heard of him before to trust him. A special gift in this industry indeed. I would also like to say that all of the staff at Optimum whom I briefly came into contact with were excellent! Everyone willing to pitch in and help whenever I needed it.

First of all, I want to provide a bit of background how we came in contact with Dan Rhomberg. We were previously working with an acquaintance regarding our refinance. Both my husband and I have excellent credit. Our debt to ratio was perfect. However, the person we were working with put us through so much. She did not lock our rate, and she kept promising things day after day. She kept making stories, and when she gave us the HUD statement, the numbers made no sense. It turns out she was trying to make a huge commission for herself rather than delivering what she promised. Forget delivering what she promised, she was trying to get us stuck in a really shady situation.
Anyway, after losing trust in somebody we personally knew, I was so hesitant to reach someone online. I received an email from Dan after I went to bank
website. I read great reviews about Optimum First. After few hours, I received an email from Dan, and then later we spoke on the phone. I was really hesitant and did not want to trust him because he was offering us such a great rate and free loan, which our previous person had told us was not possible.
Long story short, Dan closed our loan in 2 ½ weeks. He told me exactly what to expect. He explained the whole process step by step. He made sure to be in regular contact with us. He is such a patient person. Obviously after going through the nightmare we went through, trusting someone online was a big leap of faith. But, I am glad I spent an hour talking to Dan because he did deliver exactly what he promised. I truly do believe we got the lowest interest rate possible…
Lastly, I just want to add, Dan is a true professional. Usually, people try to pressure you to lock the rate right away, and the best deal is available now or never. Dan did not do any of the following. He provided the facts, and he allowed us to make our decision. He was not pushy. Once we decided to go through him, he was there 100%, and he made sure our loan closed as soon as possible. Thank you, Dan. I will be sure to tell others about you because you really made this transaction go smoothly. Without a doubt, you will be receiving referrals from me.
Thanks, Dan! Good luck with everything.
ps. this guy truly deserves a long review :)

I wanted to leave a review about the loan officer that we are working with, Lee Glen. I couldn’t recommend him enough. We felt comfortable with him immediately l, and he is very thorough, with good follow through. He proactively works with our realtor, and we couldn’t be happier.
Since I’m a veteran I qualify for different programs and Lee didn’t hesitate to research, and made sure we are getting the best loan options for my situation!
I strongly recommend Lee!!! Thanks.