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Patrick, Georg and the entire team were great. They were very professional, helpful, and responsive to whatever questions/concerns I had. They were there every step of the way. It felt really good to have that personal touch, and know they were on my side. At the closing, even my lawyers were impressed on how "simple" they made everything on their end for such a complex transaction.

I dealt with Patrick at their Orange County Mortgage office. He responds to emails incredibly fast at all hours, and ultimately got me a rate significantly lower than the one I locked in. He made the process straightforward. I went from searching the reviews on yelp.com to now writing one and after working with Patrick and his team for several weeks we can honestly say that these reviews are spot on.
Reviews (10)
Jonathan Chang
Jonathan Chang
Oct 30, 2021
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I must say, Phil A. is amazing. He made the buying process super easy and walked us through every single step. No matter how grand or small the question was, Phil went ahead and answered everything. He was the difference maker!
Ursicio Orcullo
Ursicio Orcullo
Jun 28, 2021
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Hi! If you’re like me a first timer on refinancing your house don’t hesitate to contact Phil Arrabaca at Orange County Mortgage Inc.. He is very knowledgeable and well experienced broker. He explained to me everything about the refinenancing and what suits the best. I quickly trusted him and feel very comfortable to let Phil do the process. Express my gratitude and highly recommended Phil Arrabaca if you need a refinance broker.
Cortez Cobena
Cortez Cobena
Apr 22, 2021
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Positive: Professionalism, Responsiveness, Value
Phil Arrabaca personally took care of every aspect from start to finish. Informed me of the whole process and kept me updated on every step. I could tell he is passionate about his job and it shows in every interaction with the client and professional way he carries himself. He went above and beyond during my refinance. Thank you Phil.
Christian Martin
Christian Martin
Jan 30, 2021
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I had a fantastic experience working with Phil on my refinance. My schedule is very hectic, so I needed someone that could be flexible. He would respond to my calls, texts, and emails day or night within the hour. We made progress very quickly. I never questioned Phil’s motivations, he was there to help and always had our best interest at heart. From the time we started to the time we finished with OC mortgage, it was quick, painless, and well thought-out. Thanks a lot Phil!
V. T.
V. T.
Dec 28, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
Phil was our direct contact on our original loan and refinance. He’s always been professional and responsive. He took care of us throughout the process. He was very informative and supportive at the beginning all the way to the end, even answering questions about closing, etc... We came back to Phil to refinance our loan!
Dave W.
Dave W.
Sep 17, 2020
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Would definitely recommend working with Phil!
He is very knowledgable and patient, willing to answer all my questions - which were quite alot. Sometimes the same questions a few times. He worked to resolve any doubts or worries i had. He was very responsive and always kept me in the loop. The process was smooth and painless. Definitely recommend!
David
David
Sep 14, 2020
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Got a refinance loan on our home. Phil made things super easy and always answered our questions and kept us up to date on the progress. We were going to go with Churchill Mortgage originally since I am a Dave Ramsey listeners and he endorses them. They were very nice too but after talking to Phil and giving use many more options, we found a much better deal. We are so happy we went with Phil and Orange County Mortgage.
Carl Sneed
Carl Sneed
Sep 01, 2020
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I just completed a refinance with Phil. He did an excellent job. He was always available to answer my questions. He called me right back every time I called him. I highly recommend Phil at OCM.
Kuan Pidech
Kuan Pidech
Jul 17, 2020
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Positive: Professionalism, Quality, Responsiveness, Value
Phil was very helpful, knowledgeable on loan programs & always kept an open line of communication during my parent's refinance. He's now my 'go-to guy' when I have a general mortgage question for purchase or a refinance. Highly recommend. Thanks Phil!
Navjot Bhatia
Navjot Bhatia
Oct 04, 2018
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Mr. Phil Arrabaca,
An amazing gentleman who went above and beyond to assist us with the refinancing process! I cannot express my gratitude in words for the way Phil guided us through EACH process step by step in attentive detail, so we can gain a better understanding and knowledge of it. I'm thankful for his level of expertise in assisting with everything in a highly professional manner. He always provided availability no matter if we just had a quick question, or needed to go over something that required a long explanation. He has gained the utmost respect of my family and I through his hard