Let's find the loan that fits.Mortgages, HELOCs, and investor loans.
I'm a mortgage broker in Irvine, CA, licensed to help in 11 states.
Find your options
Step 1 of 9
A few quick questions so I can find the right options for you. No hard credit check to start. A credit pull comes later, with your OK.
What are you looking to do?
Pick the closest fit. We can always adjust when we talk.
You'll work with me and my team directly.
Matthew Park, Sr. Mortgage Broker, NMLS #2109427
Prefer to talk? (909) 927-9896
Matthew Park
Sr. Mortgage Broker, Lumin Lending Inc.
NMLS# 2109427 | DRE 02033005
Mortgage broker since 2021, based in Irvine, CA. I shop your loan across 90+ lenders. Tell me what you are trying to do and I will tell you what fits, what it takes, and what the next step is.
About MattWhy use a mortgage broker
Access to 90+ lenders
Through Lumin Lending Inc. I shop your loan with wholesale lenders. A bank can only sell you its own programs.
One application, many programs compared
Apply once. I put your purchase, refinance, HELOC, DSCR, bank statement, or hard money options side by side.
View Loan ProgramsDirect contact
No call center. You talk to Matt and the team handling your file until closing.
About MattHELOC / HELOAN
Tap your equity and keep your current mortgage.
Learn MoreCash out
Replace your mortgage and take cash out.
Learn MoreReduce rate / term
Refinance for a better rate or a shorter payoff, no cash out.
Learn MoreConventional
Standard financing for a primary, second home, or investment property.
Learn MoreVA
For veterans and active-duty service members.
Learn MoreFHA
Government-backed, with flexible credit guidelines.
Learn MoreNon-QM
Flexible qualifying: P&L, bank statements, assets, or 1099s.
Learn MoreDSCR / Investor loans
Rentals and investment properties, qualified on the property.
Learn MoreReverse
Age 55 and up on select programs in select states; no monthly mortgage payment, but you still pay taxes, insurance, and upkeep.
Learn MoreHEA / HEI
Access equity with no monthly payments and no new loan.
Learn MoreHard money
Fast, asset-based funding for bridge, flip, or time-sensitive deals.
Learn MoreCommercial
Multifamily, mixed-use, and commercial property, reviewed case by case.
Learn MoreNew to mortgages? Try the frequently asked questions or the mortgage glossary.
Been Told No? Let's Look at Other Options.
Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.
HELOC and Home Equity
Use your equity without refinancing your first mortgage. Many lenders can fund in a few weeks; some digital HELOCs close faster.