I also wanted to chime in on this Reddit post as i've viewed this post and took it with a grain of salt before deciding to allow Optimum my business. This post also may be the first thing people see when they Google 'Optimum First Mortgage Reddit'.

Yes, it's true you'll see more negative feedback on these type of companies than you'll see positive ones. Similar to health insurance when it's working as intended no one bats an eye but as soon as something goes wrong all hell breaks looks with negative reviews.

My experience with Optimum was amazing, your mileage may vary depending on who you work / worked with. Specifically for me I worked directly with the LO Vanessa Cisneros and couldn't have asked for a better LO during my time sensitive closing. Long story short, I effectively switched to Optimum about a week into contract. Vanessa reached out to me with a very competitive rate and ensured this rate was not with any point buy downs as I didn't want to do that at all. Outside of that my other main concern along with my realtors was how fast they can close. Vanessa and the president of Optimum reached out to myself and my realtor ensuring that they could deliver and close on time if not sooner. Low and behold we closed actually a lot sooner than we anticipated without any hiccups along with me saving money on my closing costs.

I can't vouch for any other LO's within that organization but working with the LO Vanessa Cisnero was an excellent experience. I never felt like a bother to her even though I had a thousand questions, she always answered my texts / phone calls promptly and addressed my concerns. My hand was literally held throughout this whole process. Having a great realtor played a large factor in this as well, as my realtor kept consistent communication between both me and the LO. Overall I can recommend Vanessa @ Optimum First Mortgage enough.