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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Understandable and learning
Reply from Michelle Ota
January 16th, 2026 05:35 PM
Thank you Alex.. It was a pleasure to work with you and I am so happy that you were able to buy your first home. Thank you for your teamwork and we are here if you have any questions after the purchase. - Michelle Ota
Despite the hiccups with the closing I felt supported!
Reply from Michelle Ota
January 12th, 2026 07:23 PM
Hi Richie, Thank you for your positive review!!! You are an amazing buyer but unfortunately now a days buying a condo becomes a very challenging process of getting it approved. Im glad everything worked out and that you are enjoying your beautiful...
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Michelle is amazing, she's know what she is doing , and gave us amazing options specially as a first time home buyers
Reply from Michelle Ota
November 24th, 2025 08:58 PM
Thank you, Fenny, for your kind words. I'm pleased that you found the options I provided helpful, especially as a first-time homebuyer. My focus is always on ensuring that you have the right information to make confident decisions. Should you...
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My loan officer worked with my file and her connections really helped keep the process moving. I appreciate everything she did. I do think communication could be more consistent. I’m thankful for her support, and with stronger communication...
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Michelle and her team worked hard to assist us to apply and obtain our mortgage loans. Fast response and detail explaination. Thank you for your excelent service!
Reply from Michelle Ota
November 20th, 2025 02:41 PM
I'm glad to hear that you appreciated the responsive communication and detailed explanations throughout your mortgage application process, Deanne. It was important to me that we provided the support you needed along the way. Thank you for trusting...
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Michelle was awesome! She gave a detailed breakdown each and every step until the finish.
Reply from Michelle Ota
November 17th, 2025 06:37 PM
It’s great to hear that you found my detailed breakdown helpful throughout the process, Jason. My aim is always to ensure everything is clear each step of the way. If you have any further questions or need assistance in the future, please don't...
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Michelle Ota has received a review with 4 star rating from H P
Prompt response, clear explanation whenever I had questions.
Reply from Michelle Ota
November 14th, 2025 04:47 PM
Andrew, I appreciate you sharing your feedback. I'm glad to hear that my prompt responses and clear explanations were helpful whenever you had questions. Supporting clients effectively during their journey is very important to me. Should you...
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Michelle and Sarah disappeared after we submitted our application. It's been over 3 weeks. I don't know how she got good reviews here but my experience has been utterly disappointed.Edited: I thought Michelle would respond to us with updates...
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Reply from Owner
January 18th, 2026 02:03 AM
Im very sorry that you experienced a lapse in our responding. During our processing your paperwork it was right before I went on vacation. I had a close relative pass away this year and I was just exhausted around that time. I wasn't at my...
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Great communication and caring for my transaction. I chose her because her name was close to mine (lol) and it was the right choice. She helped me through the entire process, even on weekends sometimes, and helped with my stress at times.
Reply from Michelle Ota
October 3rd, 2025 09:01 PM
Hi Elisa, Thank you so much for the positive review. We are so happy to have assisted you with your purchase using the Dreams For All Program.. I know this loan set you up for success and made buying this home possible. We enjoyed teaming with...
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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