Pov Oum

Loan Officer-San Francisco-Montgomery St. Guarantee Mortgage NMLS # 1226687 / 1850 - APMC CA BRE #01215943
Pov has been in the mortgage industry for 15 years. In her early career, Pov managed the housing division for a HUD-Approved non-profit housing agency in San Francisco. She managed their housing programs that included First Time Homebuyer Education, Foreclosure Intervention and Counseling, and helped design and successfully ran the REO Acquisition and Rehab program for low-to-moderate income buyers.

Whether you have owned homes before or you're entering the housing market for the first time, the home buying process can be one of the most stressful and biggest financial decisions of your life. Pov offers all her clients a detail consultation about everything you should know before starting the process. She walks through the home buying process from beginning to close of escrow with her clients to ensure a smooth and stress-free transaction.

Pov’s passion for helping others, her keen knowledge of the industry and her knack for empathizing and building great relationships is a driving force for her success in the business.

Equal Housing Opportunity
NMLS # 1226687 / 1850
APMC CA BRE #01215943
IT consultant
Pov Oum helped to complete a refinance on my primary residence. Pov was helpful communicating the process and timing for each of the critical milestones. Due to the complexity of my file, she was extremely strategic on the approach while meeting my requirements from the transaction. I highly recommend her for any mortgage transaction. Thank you Pov, can’t thank you enough for the expertise and customer support!
Jul 2, 2019
Home Owner
Pov was excellent! This is the second time I’ve used her and she was A +++ both times. She’s very attentive to details, thorough in explaining items and she’s really cares that you achieve the optimal end result. I highly recommend her and I send all my friends to her. Very satisfied!
Jul 2, 2019
Pov is excellent! She’s very helpful, efficient and expedient. This is the second time I’ve used her and I recommend her to all my friends. I am totally satisfied.
Jun 21, 2019
This is my first time ever that I able to buy a house, Pov was very kind and patient leading me step by step. And here I am officially home owner. Thank you Pov for everything you did. I am very appreciated.
Yes, I am highly recommend her for everyone!
Jun 21, 2019
It was my first time buying a home and couldn't had found someone better! Pov guided us thru the whole process, explaining each step and giving the best advises in real state. Very knowledgeable and experienced with a positive energy! I definitely recommend her, you'll be in good hands.
Jun 19, 2019
Pov was awesome! She walked us through the entire process, the closing was super smooth with her!
Jun 18, 2019
Pov Um is a very professional loan officer. She helps me a lot in my closing process. This is my first time home buyer so that I am very scared. But Pov guided me through every single step that what I need to do. Easy easy like lemon squeeze that is what I felt when Pov is our loan officer. She can make thing happens for you. Thanks Pov and great job...!!!
May 23, 2019
Senior Associate
Very efficient and responsive. Explored all options for us and helped us choose the best option.
May 22, 2019
Pov is very courtesy and fast respond, everything is as expected, will use her for future need, Thanks
May 22, 2019
she is good and caring so detail and walk me through the whole process, so knowleageable I can recommend enough. if you first time or many time homeowner she still the one to help you. i refer my own brother and he have a extreme challenge case she did it, to all business owner or state income loan go to her she is good.
May 22, 2019
It was our first time trying to get a home loan and we didn't know exactly what to expect. We had opened communications with a loan broker from a different company and things didn't feel right. Fortunately, our real estate agent pointed us in the direction of Pov and it "clicked" right away. Our financial picture wasn't the traditional model, but Pov always reassured us that we were on the right track. While the sellers were reviewing our offer among seven others, their agent called Pov to confirm that we would be able to close in the short time she recommended to make our offer more competitive. It worked!