Matthew Park

How I work

I've worked in mortgage since 2021 (NMLS# 2109427). I'm a broker at Lumin Lending Inc., so I don't have one bank's rate sheet to sell you. I find the loan that fits, then show you the math so you can check it.

I'm based in Irvine, and I work with clients across Orange County and the other states I'm licensed in. When you work with me, you have my direct line from the first call to closing day.

Who I work with

I help first-time and move-up buyers, homeowners who want to refinance or tap their equity, and real estate investors financing rental properties. For investors, that often means a DSCR loan, which qualifies on the property's rent instead of your personal income. If you're self-employed, I can look at bank-statement programs that use your deposits instead of tax returns. I also do FHA and VA loans, HELOCs, and reverse mortgages.

What happens with your file

• You talk to me first. I ask what you're trying to do, not just how much you need. I look at your income, credit, and property before any lender sees the file.
• I shop it across lenders. I compare the options side by side, including the costs. The right one depends on how long you'll keep the loan.
• Your file keeps moving. Documents, conditions, and the appraisal are tracked from application to funding. You won't have to chase anyone for an update.
• I tell you when it doesn't fit. If a deal doesn't make sense for you, I say so. If the property is outside the 11 states I'm licensed in, I'll tell you up front.

Every refinance gets a break-even number. That's how many months of savings it takes to pay back what the new loan costs. If you won't keep the home that long, I'll tell you.

Most mortgage mistakes happen because nobody explained the trade-off. I'd rather you understand what you're signing than close fast on something you don't.