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
May 15, 2020
Consulting Director
★ ★ ★ ★ ★
My comments on Pov’s performance:
(1) detailed oriented - helped identify process and timeframe to complete
the work and kept me up to par on status.
(2) strategic - very helpful on reviewing my returns to ensure it meet DTI requirements.
(3) best customer service - took my late calls and text due to work
schedule, just wanted to make sure I closed successfully!
(4) cordial - in such a process you need someone who you feel is on your
side and looking out for your best interest. This is my feeling from working
with Pov!

Keep up the great work Pov!
May 11, 2020
★ ★ ★ ★ ★
Very professional, easy to communicate with I enjoyed going business with Pov.
Mar 26, 2020
★ ★ ★ ★ ★
Pov was extremely accessible and was always able to answer any questions I had. She was professional and friendly. I appreciated the level of service she delivered.
Feb 11, 2020
★ ★ ★ ★ ★
Pov did a great job with refinancing our loan, she returned calls and e-mails promptly. Yes I would recommend her. Thank you..
Feb 11, 2020
★ ★ ★ ★ ★
Pov is Very professional ,efficient and friendly. I respect how hard she works and fast responses. Highly recommend and also many more year looking forward to work with her by any chance. Thank you so much for working with us.
Jan 23, 2020
Realtor
★ ★ ★ ★ ★
I’ve worked with Pov for over a year now and she’s proven that she is very knowledgeable, resourceful and patience with any client that I send her way. I admire her abilities and how she is super diligent with every single file. She helped me with my own mortgage loan and as a consumer, she checked all the boxes that I was looking for in a loan officer. I highly recommend her.
Dec 31, 2019
Retail business owner
★ ★ ★ ★ ★
This is the first time I have ever reviewed anyone
In life we come to meet certain people that impresses us in every possible way
POV Oum,
yes Pov Oum, is one of this people
The knowledge and experience she has has impressed me, and take it from me, NO OTHER BANKER knows how to make things run smooth and fast like Pov
It was a great honor to do Bussiness with her, and she will be my loan officer for years to come
She’s very well recommended
Thanks Pov for all the work you have done,
Dec 22, 2019
★ ★ ★ ★ ★
Super easy to work and communicate with. Thank you so much for all your help!
Nov 18, 2019
★ ★ ★ ★ ★
One of the best experiences of my life was dealing with Pov assisting me and getting my loan to my new house
Nov 1, 2019
★ ★ ★ ★ ★
Pov Oum helped me complete a refinance on my rental property. Pov was extremely helpful communicating and facilitating the process. Pov is very knowledgeable and full of valuable resources. I will utilize Pov in the future and recommend her to all in need of mortgage finance services. Thanks again Pov!
Oct 23, 2019
Program Manager
★ ★ ★ ★ ★
My realtor first introduced me to Pov two years ago during the purchase of my condo and I just recently worked with her a 2nd time to refinance my loans. Both times she has been amazing to work with! She knows the market well and provided me with different options and financial calculations to help me make the best decisions. Now that everything is online, we did most of the transaction via email, which works best for me since I am on conference calls and meetings all day, but I also knew that I could pick up the phone and call her anytime. Thank you Pov for helping me thru the process!
Oct 17, 2019
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!
Oct 16, 2019
★ ★ ★ ★ ★
The process was quick and easy. Very knowledgeable and full of resources. Look forward to work with you again in the future. Thank you!
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
Buyer
★ ★ ★ ★ ★
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
CEO
★ ★ ★ ★ ★
Pov is very courtesy and fast respond, everything is as expected, will use her for future need, Thanks
May 22, 2019
siu
★ ★ ★ ★ ★
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!

My Associations

Equal Housing Opportunity | NMLS #1850