Michelle Ota
Sr. Loan Consultant | NMLS # 209630
Hi! I am Michelle Ota! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Golden Empire Mortgage you're ... Show More
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Reviews from Web
A lot of information was provided, it was clear. Michelle took the time to understand our project and gave a lotnof advice.
Reply from Michelle Ota
May 14th, 2026 02:28 PM
I'm glad to hear that the information I provided was clear and helpful for your project, Julien. Taking the time to understand your needs and offer valuable advice is always my goal. Thank you for sharing your experience with me.
As a first-time homebuyer, I had a great experience working with Michelle and her team. She was professional and stayed in touch throughout the entire process, which made everything feel smooth and stress-free.A special thank you to her assistant,...
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Reply from Michelle Ota
May 18th, 2026 10:40 PM
I'm pleased to hear that your first-time homebuying experience was smooth and stress-free, Goshid. It's great to know that both Sarah and I were able to support you effectively throughout the process. Your recommendation means a lot, and I'm...
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This is my second loan with Michelle and I can't imagine working with anyone else. She makes the process so easy and she truly is an expert in the field. She makes a normally impersonal process feel personal in the best of ways. Thanks to Michelle...
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Reply from Michelle Ota
May 5th, 2026 07:45 PM
I'm really pleased to hear that you felt well taken care of during your second loan process, Ronnie. It's important to me to make the experience as personal and smooth as possible. Thank you for your continued trust in my expertise and for...
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Michelle Ota has received a review with 5 star rating from Sharon C
Reply from Owner
May 22nd, 2026 08:24 PM
Thank you Sharon. It was a pleasure helping you both buy your next home. I am so happy for you and Ronnie. We are hear to answer any questions.
This was our second time working with Michelle, and she was 10/10 with communication, making sure we got the best rate possible, and ensuring that we close on time and as quickly as possible. We are so grateful that she is so on top of everything!...
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Reply from Michelle Ota
May 5th, 2026 09:11 PM
I'm grateful for your kind words, Sharon. It's great to know that my communication and attention to detail made a positive impact on your experience. Thank you for trusting me again with such an important process. If you ever need further assistance,...
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She made the complicated process of buying a home for the first time as smooth and easy as possible . She guided us through it all and we appreciate that so much
Reply from Michelle Ota
March 30th, 2026 03:48 PM
Thank you Caryn, for your positive review. We are so thankful and it was a pleasure serving you and your husband buying your first home. We are here for you if you have any questions, post closing. Congratulations!!
Very thorough and provides additional perspective and advice throughout the home buying process.
Reply from Michelle Ota
March 30th, 2026 03:52 PM
Thank you so much Julian... It's important to me that my clients have a clear perspective every step of the way. With each stage you reach when purchasing your home, especially the first time, entails thoughtful decision making. Should you...
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Michelle Ota is great! Helped me through the processes of buying my first home! Throughout all the steps to closing!
Reply from Owner
March 30th, 2026 03:46 PM
Thank you so much Kevin for your positive review. It was a pleasure working with you and I am so happy that you were able to buy your first home using the Dreams for All program!
Great experience.
Reply from Michelle Ota
March 16th, 2026 04:33 PM
I'm so glad to hear you had a great experience, Kevin. If there's ever anything else you need or more questions arise please let us know. Were very happy that you were able to buy your first home using the down payment assistance program.....
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Michelle was very communicative throughout the entire home-buying process. She was the best lender I’ve worked with, and she made everything smooth and easy to understand.
Reply from Michelle Ota
March 9th, 2026 03:36 PM
Thank you Jerry. It was a pleasure working with you. You were a great team player always providing what was needed in a timely matter. We are so happy that you bought the home that you really wanted. Thank you so much and we are here for you!!...
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About
Hi! I am Michelle Ota! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Golden Empire Mortgage you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
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Positions
- Golden Empire Mortgage - Branch Manager Mar 1st, 2016 - Current
Year Started
1990
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 209630
- California