EXCELLENT  
  
 Based on 80 reviews 
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
 
 Posted on Google  
 
  
 
 
 NANA AMMA SERWAA BRONI 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
If you like your current lender isn’t working hard for you, call Victor.I spent seven months shopping around and was nervous about making a move, but Victor’s transparency and expertise won me over.
While other leaders tried to push me into paying expensive points,Victor showed me why keeping my money and not buying down the rate was the much smaller move,

He took my payment form $3,302 down to $2,966 and handled all the complex FHA and Virginia State fees over $3,300 in lender credits to cover my closing costs.The level of service and honest advice here is night and day compared to the big banks. I finally feel like I have a mortgage pro I can trust.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 ron caringal 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Updated 060526:

I can’t recommend Victor's team enough! They managed to lower my interest rate by a full 2% and consolidated my high interest debts into one manageable payment. This move alone is saving me $830 every single month. On top of that, they secured $5,000 in lender credits, which covered all my closing fees and even left an excess to apply toward my prepaid interest. If you want a mortgage professional who actually delivers on their promises, call Victor.

Previous 12/2024:
Victor was easy to deal with. He made the effort to exhaust all possible means for him to meet my target loan amount given the predicament.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Rubab Anees 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We did FHA streamline refinance with Victor and It was an awesome experience working with him.. Process was smooth and fast! Victor is knowledgeable and very professional. Our team to go for all future needs👍🏻
I can’t recommend Victor enough. He helped us navigate a refinance that lowered our interest rate from 7.125% to 5.875% in record time. Seeing our monthly payment drop by $528 is a huge relief for our family budget. Victor is professional, transparent, and clearly knows how to get the best results for his clients. We are so grateful for his help!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Jordan Hill 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
I had a great experience refinancing my home and highly recommend working with Victor. The entire process was smooth, efficient, and completed much faster than I expected.

They were communicative, transparent, and made sure I understood each step along the way. I was able to secure a lower rate and reduce my monthly payment, which made a meaningful difference.

What really stood out was the level of professionalism and how easy they made everything from start to finish. I also appreciate that they continue to monitor rates and stay in touch even after closing.

If you’re thinking about refinancing, you’ll be in good hands here!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Joanna O 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We had an excellent experience working with Victor Santos at OnPoint Mortgage in Irvine, California for our second mortgage loan. If you’re looking for someone who is knowledgeable, efficient, and highly responsive, Victor is the person to trust.
From start to finish, the entire loan process was smooth and stress-free. Victor was always quick to respond, kept us updated every step of the way, and made sure we fully understood everything. His expertise in mortgage lending really shows, and it gave us a lot of confidence throughout the process.
What really stood out was how he went above and beyond, he even communicated directly with our HOA to gather all the required documents, which saved us so much time and hassle.
On top of that, Victor is friendly, professional, and easy to work with. We’re truly grateful for his help and would highly recommend Victor Santos and OnPoint Mortgage to anyone in Irvine or Orange County looking for a reliable and efficient mortgage lender, especially for second mortgage or home loan needs.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Ernest Butch Benares 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
I’m a returning customer with OnPoint Mortgage Pro, and once again they delivered an outstanding experience. Victor helped me in the past, and because that process was smooth and professional, I didn’t hesitate to work with him again.

This loan came at the perfect time for my wife and me. With unexpected expenses, inflation, and credit card interest rates climbing like crazy, we needed a real solution. I’m genuinely happy with the rate Victor secured for us. It allows us to pay off all our outstanding credit cards and finally get ahead instead of falling behind. It truly feels like we’re getting our financial footing back.

Victor handled everything with transparency, patience, and expertise. He made the entire process easy to understand and completely stress‑free. His professionalism and attention to detail are exactly why I trust him and his company with something this important.

If you’re looking for a lender you can trust, someone who genuinely looks out for your best interest, I highly recommend Victor and the team at OnPoint Mortgage Pro.
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Joyce Halim 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Victor is really a great guy. He helped me patiently step by step through the process of my refinance. Highly recommended. Thank you so much ☺️

Update:
I'm so happy that Victor helped me again with my refinance. And this is my third times, from the original 8.125% down to 5.75% smoothly. Wohoo....couldn't be more happier than that 😊....He is truly the guy that I can trust, rely on and do the magic. Highly recommended.
Thanks for the experienced.....and we will still work again in the future. 😊
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 eunice chun 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
We refinanced twice with Victor. He was so professional and very helpful throughout our loan process. Highly recommended!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Rachel Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Victor Santos was very professional, quick to respond, and easy to work with. The process was seamless and we would highly recommend Victor to work with for any financing or refinancing needs. This is the third time we have used Victor because of his kind, exceptional customer service, and the ease of communication.  Such an easy process!
  
 
  
 
 
 
 Posted on Google  
 
  
 
 
 Nick Tyndal 
 
 
 
 Trustindex verifies that the original source of the review is Google. 
Very friendly and quick on communication. Understood my needs and worked diligently until they were achieved. Would highly recommend and plan to use OnPoint again in the future.