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
About Me
Loan Officer - San Francisco, Townsend Office
Guarantee Mortgage
NMLS # 1226687 / 1850 - APMC CA BRE #01215943
N
I have had the pleasure of working with Pov Oum for nearly seven years, during which she has consistently exceeded my expectations with her exceptional service. Pov has a remarkable ability to assess market conditions, weigh the pros and cons related to my goals, and connect me with relevant contacts for day-to-day execution, whether for my corporation, personal finances, or various aspects of my life.
What began as a professional relationship has blossomed into a strong friendship. In our most recent transaction, Pov assisted me in executing a HELOAN and purchasing two condominiums for investment purposes. Throughout the process, she took the time to clarify my expectations and was always available—day or night—to answer questions or provide status updates, especially in the final stages. Her commitment made me feel valued; she dedicated countless hours to keep me informed, fully aware of my timeline and objectives. I was particularly impressed by her deep understanding of my profile and her ability to communicate effectively with investors. In this transaction, some investors struggled to grasp fundamental aspects of my profile, but I knew I could rely on Pov to clarify these points and help facilitate the approval process.
To Pov, I want to say: keep up the outstanding work! My family greatly appreciates your dedication to our financial well-being and your guidance on every transaction, whether it involves moving forward or waiting. You’ve showed your care for us goes beyond any incentive linked to the transaction. Your management and support were invaluable, especially in addressing the builder's concerns during the home purchase process.
Thank you,
Neeraj
What began as a professional relationship has blossomed into a strong friendship. In our most recent transaction, Pov assisted me in executing a HELOAN and purchasing two condominiums for investment purposes. Throughout the process, she took the time to clarify my expectations and was always available—day or night—to answer questions or provide status updates, especially in the final stages. Her commitment made me feel valued; she dedicated countless hours to keep me informed, fully aware of my timeline and objectives. I was particularly impressed by her deep understanding of my profile and her ability to communicate effectively with investors. In this transaction, some investors struggled to grasp fundamental aspects of my profile, but I knew I could rely on Pov to clarify these points and help facilitate the approval process.
To Pov, I want to say: keep up the outstanding work! My family greatly appreciates your dedication to our financial well-being and your guidance on every transaction, whether it involves moving forward or waiting. You’ve showed your care for us goes beyond any incentive linked to the transaction. Your management and support were invaluable, especially in addressing the builder's concerns during the home purchase process.
Thank you,
Neeraj
JR
We loved how hard the whole team worked to fight for us & our dream home! Thank you for putting in so much hard work & the care for your clients! You guys truly are the greatest, especially to our lender Pov.
It was a positive and pleasant experience to work with you , thank you
PE
It was amazing working with Pov. She made the loan process go seamless.
CS
Thank you so much , I’m grateful to have you as a loan officer . Through the day and night you work your hardest to get a loan for us. I was in tears when I found out we are finally getting the keys to our dream home. Im very blessed that I met you . All the paper work it was a rough route , but you made it become smooth. Thank you again for my family and I . We are very blessed
A
Thank you we finally did it and we appreciated what you did for us even though we never seen u in person but you such a nice person and we thank you for making this happen and again thank you so much for your hard work??!!
CS
She did a really great job in finding this new home for us. She’s also an awesome person to me, she helped us through a lot and even provided details about the house we were looking for. I can’t describe how we feel and what she did for us, our greatest gratitude. We want to give a big Thank you, Truly.
J
Pov makes it smooth and easy.
DP
Nothing to complain about, and that is a really good thing.
YM
Pov Oum is very good.
KH
Pov is an excellent loan officer who helped my partner and I purchase our first home in the Bay Area. She is incredibly responsive and worked patiently with us as we searched for a home in a changing economic environment. She clearly explained our options to us along the way. Her hard work allowed us to close on our house in 17 days! I highly recommend Pov Oum to anyone searching for a quality loan officer.
Where do we begin! Pov is simply the best in the business. Her talent, professionalism and dedication is admirable. She never looses focus of her clients dreams and goals. She helped us accomplish something that seemed impossible. We are forever grateful for help and look forward to working with her in our next adventure. Not only do we recommend her, we urge you to find someone as caring and dedicated as her. Thank you Pov!
Best Regards,
The Castillo Family.
Best Regards,
The Castillo Family.
AJ
We got so lucky that we got to work with Pov! As first time home buyers, there was a lot about the process that was unknown, and a little daunting -- but Pov went above and beyond to help make the process a lot easier, more transparent, and in general a fun one :). We learned a lot about loans, mortgages, interest rates (you name it) thanks to Pov's patience and willingness to educate us about everything. Above all, she was very professional and helped make process of buying our first home a lot smoother. Do yourself a favor and reach out to her :)
KL
Great communication and easy to work with. Thank you for all your support!
Having Pov Oum on my real state purchase team made a world of a difference, My interactions with other LO's were not so good. She is extremely knowledgeable, friendly, professional, great communicator and most importantly she would show me a sense of urgency which is priceless to me. I would strongly recommend her for your first, second home purchase or real state investment. My family has a beautiful home and it would not been possible with out her due diligence. We are very thankful and we will be doing more business with her soon.
S
Pov is the best of the best. Highly recommended. Her professionalism and well communication is always highest level.
MJ
POV was awesome. She broke everything down for me to understand what my loan was and also explained and broke down how other lenders that I was shopping with were trying to get away with sliding “hidden fees” and higher rates on my loan. Right away I sensed that she had a good heart and was really here to help me. I’m grateful for coming across with someone like POV who has a good heart and the best intentions to help her clients. All through out the process I felt like I was in good hands.
N
Pov continues to amaze me on her expertise and drive to provide solutions! I’ve done numerous transactions with Pov the last few years and she continues to identify opportunities that benefit me personally. Ty Pov! 5star is a no-brainer.
CW
Pov did an amazing job with our refinance, and even initially reached out to us to let us know it was the right time to refinance, after helping with us with our first mortgage. Pov, we truly appreciate your guidance and sense of urgency in getting out file closed! We’re now at lower rate and monthly payment, thanks to you. Mission accomplished. Thank you Pov!
MF
Pov yet again deserves more than five stars! This is the second time working with her and she completed our refi wonderfully! She is communicative, responsive, and detail oriented when it comes to explaining or answering questions. She takes the time to ensure her clients are comfortable and on the same page at all times. She has great ethics as well. She is very prompt on giving us updates to let us know where we are at in the process and her customer service goes above normal standards!! She deserves 10 stars!!!
SL
POV did very good job for she also very fast job done so I very strongly recommend POV
KT
What a great pleasure to work with her throughout my entire home buying process. She is very professional, efficient & knowledgeable. She answered all the questions/ doubts i had and explained everything in details. I had a great experience and i am very much satisfied with the service. Thank you so much Pov, i truely appreciate your assistance. Best wishes.
AN
She was very approachable and responsive. She was able to answer all of our questions.
JK
Not only did Pov help me secure a mortgage, but she worked so hard to get my home refinanced to an amazing rate. I couldn’t recommend Pov enough!
N
I continue to be impressed by Pov and her efforts to successfully complete my transactions based on the requirement I have...she’s very articulate and keeps me informed on status. This is my fourth transaction with Pov and will continue to leverage her expertise! I have raved about Pov to friends and family about her expertise.
Ty Pov keep up the great work!
Ty Pov keep up the great work!
