OnPoint Mortgage Pro Reviews

Joyce Halim 2026.03.24

     

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. 😊

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Reply from OnPoint Mortgage Pro 2025.06.30

Thank you Joyce for trusting us with your mortgage and thank you for all your referrals!

eunice chun 2026.03.14

     

We refinanced twice with Victor. He was so professional and very helpful throughout our loan process. Highly recommended!

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Reply from OnPoint Mortgage Pro 2024.10.07

Thank you so much Eunice for trusting us with your refinance! We’re here when you need us!

Rachel Turner 2026.03.12

     

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!

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Reply from OnPoint Mortgage Pro 2021.09.09

Thank you Rachel, for your continued support and allowing us to assist with all your mortgage needs!

Nick Tyndal 2026.03.10

     

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.

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Reply from OnPoint Mortgage Pro

We genuinely appreciate the opportunity to serve and trusting us with mortgage needs. Your honest review means a lot!

Jin Chung 2026.03.06

     

This our second time refinancing our VA home loan with Victor! He's honest and very trustworthy and he made sure we were well informed before we make decisions. He is highly recommended to all my fellow Veterans!

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Reply from OnPoint Mortgage Pro

We sincerely appreciate your trust in us for your mortgage refinance and your kind review! Thank you Mr. Chung!

Kyle Rylance 2026.01.30

     

Victor Santos did a fantastic job helping us get a 1.5% rate reduction. He was quick to respond to any question at all hours of the day and stood by us through every step of the process. I would highly recommend their services.

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Reply from OnPoint Mortgage Pro

We appreciate the opportunity to assist you with your mortgage refinance and your kind review!

Oksana Krashenny 2026.01.25

     

Excellent services! I had a great experience working with Victor. He was always available to answer any questions and kept me updated on all the steps of refinancing. He went above and beyond to make the process as smooth as possible. Definitely will be working with him in the future.

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Reply from OnPoint Mortgage Pro 2026.01.26

Thank you so much for the kind words! It was a pleasure working with you on your refinancing. We know the process can feel like a lot of moving parts, so we're glad we could help make it a bit smoother for you. We're always here if you have more questions down the road—looking forward to the next time we work together!

Joy Patel 2026.01.23

     

Victor was really helpful with my refinance application. He picked up my phone anytime during the day. I was asking him lot of questions, and answered all those with ease and smile. He is so professional and fast. I recommend him to anyone and Offcourse I will give his name to my family members. recently victor helped me get secodn mortgage in jan 2026 with zero closing cost. He is nice and will answer any questions, multiple times a day. He will save you money.

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Reply from OnPoint Mortgage Pro 2021.11.18

Thank you so much Mr.Patel! We appreciate your business and most importantly your satisfaction! Please take care!

Deepti Sharma 2025.11.25

     

I had the pleasure of working with Victor Santos, and he truly exceeded expectations on a recent purchase transaction. Despite the Builder offering an $8k incentive with their own mortgage rates, Victor and Onpoint Mortgage Pro provided a competitive rate that not only beat the Builder’s offer but also allowed us to close smoothly and on time. We had a tight deadline—just 11 working days on a newly built home—but Victor was up for the challenge. My clients are beyond happy with the seamless experience and grateful for the efficiency that made this process stress-free. I highly recommend Victor for anyone in need of a dedicated and reliable mortgage professional!

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Reply from OnPoint Mortgage Pro 2025.11.25

Wow, thank you so much for the high praise! Receiving this review from a respected partner like you means a lot. Our goal is always to provide a competitive edge for our mutual clients—even against significant builder incentives—and ensure a smooth, efficient experience. Closing a new build in 11 working days is a testament to the strong teamwork between us. I'm delighted your clients are thrilled, and I truly value our partnership!

Doneen Hoffman 2025.11.20

     

I just refinanced my home and the process was smooth, fast, and stress-free. Victor was professional, responsive, and made everything incredibly easy. Highly recommend!

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Reply from OnPoint Mortgage Pro 2025.11.20

Thank you so much, Doneen! We truly appreciate your business and are thrilled we successfully completed your refinance.

Andrew Leal 2025.11.12

     

Victor was truly a pleasure to work with. He demonstrated exceptional availability and expertly recommended the optimal solution for my refinance. His professionalism and depth of knowledge were greatly appreciated. Thank you!

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Reply from OnPoint Mortgage Pro 2025.11.12

Thank you for trusting us with your refinance and appreciate you taking the time to give us a review!

caroline a 2025.11.07

     

21/10 - Incredible, seamless and informative experience with Victor! FYI, We live in Texas, and he's in Cali. Buying or refinancing a home can be stressful since a lot of people don't understand the process and get lost in the paperwork. Victor took the time to get to know us, what we were looking for and provided so much information and practically educated us on 5 different options that would be beneficial for us! He helped us lock in the rates we were absolutely comfortable with and that's more important to a customer! Thank you, Victor for going above and beyond for us.

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Reply from OnPoint Mortgage Pro 2025.11.10

Thank you so much Caroline for trusting us with your mortgage and it was a pleasure completing the refinance with you!

Richard Aguirre 2025.11.06

     

We praise God first of all for putting Victor Santos in our life at the right time when we were looking not only to lower our interest rates and monthly payments but also help us to navigate through all the confusion from all the other agents and brokers that just wanted our business.Victor was very patient and humble and honest as he explained all the details and even called us to remind us of incoming e-mails .God continue to keep Victor humble, patient and honest with all his clients. I will recommend Victor to anyone who is looking to refinance their home and property. God Bless Victor and his family always.

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Reply from OnPoint Mortgage Pro

Thank you so much for the great review Mr. Aguirre! Such a blessing and privilege to have been able to assist you with your mortgage! I’m here for you anytime 😁

Chris Hollars 2025.09.26

     

Victor was awesome during the financing process. He spent an ample amount of time teaching and helping us understand everything. We will strongly recommend him to others!

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Reply from OnPoint Mortgage Pro 2025.09.26

Thank you so much for the kind words, Chris. We value your business and are glad to know we could deliver our best. We're here for you!

Rubab Anees 2025.09.26

     

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👍🏻

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Reply from OnPoint Mortgage Pro 2025.09.26

We appreciate you trusting us with your mortgage. Please know we are here for you should any future needs arise. It's our goal to give you are best!

Ericka Soto 2025.09.17

     

We truly appreciate Victor’s constant availability and how responsive he was every step. No matter the time or day, he was always there to answer our questions and provide clear, honest advice. Thank you again for your dedication and support — we’re so grateful to have worked with you for the 3rd time!

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Reply from OnPoint Mortgage Pro 2025.09.17

Thank you Ericka for such a nice review and trusting us with your mortgage needs! We're always here for you!

Connie Chung 2025.09.16

     

Victor at OnPoint Mortgage Pro made buying my first home an stress-free experience. He explained everything clearly, kept me updated, and even helped me close a month early. He went above and beyond to secure the best rates and made the whole process seamless. Highly recommend!

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Reply from OnPoint Mortgage Pro 2025.09.17

Thank you so much Connie for trusting us with your home purchase loan! We're looking forward to serving you in the near future.

Caroline Kim 2025.09.03

     

I had an excellent experience working with Victor from OnPoint Mortgage Pro. He met with me and my client, explained the entire funding process, and went above and beyond to research the best program for my client, a first-time homebuyer. Victor not only beat the builder’s in-house lender and the bank on rates, but he also delivered exceptional personalized service. He was always available, highly knowledgeable, and communicated consistently throughout the process. He even shared valuable insights with my client, which was greatly appreciated. Victor managed everything in a timely and transparent way, keeping constant communication with the builder to ensure we stayed on track. Both my client and I were extremely happy with his service. He was thorough, professional, and truly cared about making the experience smooth and stress-free. I highly recommend Victor if you are working with buyers—you will have peace of mind knowing they are in great hands.

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Reply from OnPoint Mortgage Pro 2025.09.03

Thank you Caroline for the kind words and the opportunity to have been able to assist your buyer with their loan. Looking forward to working with you and your team in the future!

Caroline Uhm 2025.09.02

     

Verified

Exceptional!Exceptional! I had an excellent experience working with Victor from OnPoint Mortgage Pro. He met with me and my client, explained the entire funding process, and went above and beyond to research the best program for my client, a first-time homebuyer. Victor not only beat the builder’s in-house lender and the bank on rates, but he also delivered exceptional personalized service. He was always available, highly knowledgeable, and communicated consistently throughout the process. He even shared valuable insights with my client, which was greatly appreciated. Victor managed everything in a timely and transparent way, keeping constant communication with the builder to ensure we stayed on track. Both my client and I were extremely happy with his service. He was thorough, professional, and truly cared about making the experience smooth and stress-free. I highly recommend Victor if you are working with buyers—you will have peace of mind knowing they are in great hands.

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Racheal Ellis 2025.08.28

     

Victor has helped us twice now with mortgage loans. He is outstanding to work with! His professionalism, communication and service go above and beyond! I highly recommend reaching out to Victor for any mortgage needs, you will be happy you did!

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Reply from OnPoint Mortgage Pro 2025.08.28

Hi Rachael, we're honored to have been able to help with your recent mortgage transaction and do appreciate your business!