OC Home Loans, Inc. Del Prado Ave Suite B, Dana Point

This is the second time in 15 years that I have had the pleasure of working with Pat O'Connell and he'll be the first guy I call next time! Every home loan has it's struggles and my experiences bore that truth out. Pat and Billy O'Connell helped us navigate the process and kept us in the loop through all stages. The interest rate they got us was the best I could find. Even the notary who helped us sign the closing documents commented on ours being the lowest rate she saw this year and to date she has facilitated over 300 loan closings! The O'Connell's will be the first ones I recommend for sure.

Pat and his team were an absolute pleasure to work with. They have been always reliable and professional as they walked us through the process of purchasing our home. They definitely made the process from start to closing very smooth and worry free. Communication was easy and whenever we had a question they responded immediately. I highly recommend VIP Mortgage Inc especially Pat and his team to anybody looking to purchase or refinance a home.

It's always a pleasure working with such a quick and on point firm such as the O'Connell Group when it pertains to your real estate financing needs! Pat and the OConnel Group definitely gets two thumbs up !!

As a business owner with multiple entities complicating my financials, and being 1500 miles apart in another state, Pat and his team worked hard to get my conventional jumbo loan closed. The fees were far less than a lot of other lenders I looked at. Most of the paperwork was submitted via email and follow up phone calls in the evening or weekends when I was available to talk. I would recommend him and his team to anyone without hesitation.

Pat, Thank you so much for your work on our loan. You delivered amazing service above and beyond our expectations! Please let me know where I can write up further reviews for you and VIP. You guys have amazing customer service and delivered on every commitment you made. We closed on time with a great interest rate and negligible fees. I would recommend you to all my friends and family. We love our home. Thank you again! Chad

07/19/2021: It been while since my first review for Pat. Since then I have done couple of refinance, and every time, Pat has given best rate with beyond best service. I have recommend him to many of my friends and coworkers and they all are pleased with his service. Pat was very professional; His responses and follow-ups were beyond par; Answered all questions that could be understand easily; and gave the best possible rate I could found in the market; Very honest and upfront on what he can do and can’t; delivered what he promised. The entire team at V.I.P Independent Mortgage was very proactive; updated me throughout the loan processes; made it very convenient for me to provide all documents as well as other informations.

Pat was extremely helpful at explaining every step of the process, and was very easy to get a hold of. If he was unable to answer my phone calls or emails, I would promptly receive replies, even after-hours and on weekends when I had zero expectation of a callback. I got a great interest rate, reasonable fees, and the professionalism of Pat and his team was highly appreciated. I will be sure to recommend his services to all.

We have used VIP mortgage threes times. One for our initial purchase of our home and twice for refinancing. We have also done business with other lenders in areas that VIP did not service. VIP is great. Very professional, great rates, ethical practices, and fantastic customer service. Patrick O'Connell is the best in the business in my opinion. I hope in the future they expand to service every area in the country so that we could use them for all our lending needs.

Pat has been great to work with. We have a very complicated loan and he went the extra mile to get it done. He has been great with communication and always willing to explain things we didn't understand. I have already recommended him to some friends.

The loan process can be overwhelming and stressful, however, the O'Connell Group made the whole experience painless, and was able to get us an unbelievable rate that will save us a solid amount of money each month.