Southern California Wholesale Mortgages

Approved Faster.
Lower Costs.
Better Rates.

Get approved faster with lower costs and zero rate lock risk in Southern California. Real approval timelines that protect your purchase timeline—from Irvine to across the state.

15 Days Avg. Close Time
5.0 ★ Zillow Rating
$3,800+ Avg. Cost Savings
A luxurious modern home in Southern California at sunset
Rates & Costs Locked No bait-and-switch fees
THE HUGUES ADVANTAGE

The Total Cost of Borrowing, Optimized

Most lenders focus entirely on the APR while hiding exorbitant closing costs. We offer both competitive rates AND industry-leading low closing costs. It's a rare combination designed to maximize your long-term wealth.

01

Dual Cost Savings

We leverage Lumin Lending's wholesale rates and massive scaling structure to drop direct loan costs, providing you with lower closing costs and premium rates simultaneously.

02

Lightning-Fast Timelines

Our average close time is under 15 days. We move fast to protect your purchase timeline and contract agreements. We stand out for prompt communication, fast turnaround, and zero pressure.

03

Transparent Strategy

Strategic, personal planning from Andrew Grushevskiy. No boilerplate products. We analyze your credit, income, and long-term targets to secure a custom-fit mortgage structure.

LOAN PRODUCTS

Designed for Every Borrower Type

Whether you're purchasing your first house, refinancing to tap equity, or buying self-employed properties, we have optimized mortgage options crafted for your specific financial profile.

Ideal for: Standard Borrowers / Home Buyers

Conventional Mortgages

The industry benchmark for buyers with strong credit. Highly flexible terms, no permanent mortgage insurance options, and low rates. We optimize conventional financing with minimal wholesale fees and aggressive rate locks.

Typical Rate Range Competitive Wholesale
Average Closing Fees Extremely Low
Down Payment Options As low as 3%
Ideal for: First-Time Home Buyers

FHA Home Loans

Government-backed reassurance offering accessible qualifications. Perfect if you have moderate credit scores or limited cash reserves for a down payment. Emphasizes stability and low entry costs.

Min. Credit Score 580+
Down Payment 3.5%
Ideal for: Veteran & Active Duty Families

VA Home Loans

Exclusive government-backed financing for active-duty military, veterans, and qualified surviving spouses. Offers 100% financing (0% down payment) with no monthly mortgage insurance (PMI) and access to the largest possible California loan limits.

Down Payment 0% Down
Monthly PMI None Required
Ideal for: Homeowners Tapping Equity

Home Equity Line of Credit

Tap into the hard-earned equity in your Southern California home. Perfect for high-value home improvements, consolidating expensive credit cards, or financing strategic opportunities without resetting your primary low-interest mortgage.

Borrow Limit Up to 85% LTV
Repayment Type Interest-Only Options
Ideal for: Self-Employed & Business Owners

Non-QM & Bank Statement Loans

Are standard tax returns showing heavy write-offs blocking your approval? Our specialized self-employed program bypasses standard tax documents. We qualify your buying power using 12-to-24 months of business bank statements. Perfect for Southern California entrepreneurs, investors, and business leaders.

Income Proof Bank Statements Only
Max Loan Amount Up to $5 Million
COMPARE YOUR SAVINGS

See How Much We Can Help You Save

By blending highly competitive wholesale interest rates with optimized low closing costs, the total savings over the life of your mortgage can scale dramatically. Slide the estimator to see your estimated monthly and lifetime savings compared to standard average lenders.

✓
Lower Direct Closing Fees

We trim processing, underwriting, and administrative fees to keep closing bills minimal.

✓
Lower Intermediary Margin Cuts

Direct wholesale paths bypass corporate management levels, returning the savings to you.

$293 Estimated Monthly Savings
$105,480 Interest Savings (30 Yrs)
$3,250 Estimated Closing Cost Savings

Estimates based on average primary lender benchmarks of +0.70% in rate and 0.50% higher administrative fees. Subject to credit qualifications.

Andrew Grushevskiy - Premium Mortgage Loan Officer
Andrew Grushevskiy LICENSED LOAN OFFICER NMLS# 2422106
YOUR STRATEGIC PARTNER

Meet Andrew

Individual NMLS #2422106 Verify License

"Getting a mortgage shouldn't feel like navigating a maze under pressure. My commitment is simple: **Fast approval, lower costs, and customized strategies** that protect your financial future. Whether you're purchasing a luxury home in Orange County, navigating complex properties in Los Angeles, San Diego, or Denver, securing an FHA loan with minimal down, or accessing tax-advantaged business assets, we handle the heavy lifting with absolute transparency."

★ 5.0 Star Rated on Zillow
★ 100% Client Transparency
★ LA / OC / SD / Denver Expert
★ Rapid Closing Guarantee
Office: +1 (949) 209-2345 Text/SMS WhatsApp
TESTIMONIALS

What Borrowers Say About Us

Andrew's reviews reveal the human edge: speed, transparency, strategic planning, and a no-pressure approach. Read verified feedback from our client network.

★★★★★
"Andrew is a dream to work with! He was incredibly kind and patient... He made the experience easy, lightning-fast, streamlined, and very human."
Carrie Englewood, CO
Speed & Empathy
★★★★★
"We appreciated how Andrew spelled things out for us. He knew his stuff and was not pushy, which is something we very much value!"
Wayne & Courtney Long Beach, CA
Trust & Professionalism
★★★★★
"As first-time home buyers, we were completely new... Andrew made everything easy to understand. He took the time to walk us through all our options in detail."
Nicole C. Los Angeles, CA
Education & Clarity
View All Zillow Reviews
PARTNERSHIP PROGRAM

For Real Estate Agents & Brokers

A mortgage partner who drop-dead closes on time, protects your buyer relationships, and provides wholesale margins that keep you competitive. We streamline broker operations from contract to funding.

⚡

15-Min to 1-Hour Pre-Approvals

Get airtight, fully verified pre-approvals in minutes, not days. We run automated underwriting upfront so your clients' offers are locked and ready to win bidding wars.

🎨

Co-Branded Marketing

Get beautifully designed co-branded listing flyers, open house materials, and custom single-property websites to capture more seller leads.

🔔

Milestone Tracking

Get automated, real-time alerts at 5 key stages: File Submitted, Appraisal Ordered, Underwriting Approval, Clear to Close, and Funded.

📄

10% More Buying Power (Rescue Tough Deals)

Stop letting retail banks kill your deals. Our wholesale pricing drops monthly payments so cash-tight buyers qualify for 10% more home, rescuing dead contracts and keeping commissions alive.

📞

24/7 Offer Hotline

Direct access to Andrew via cell or text on evenings and weekends. Never lose a Saturday deal waiting on a Monday corporate lender response.

🔍

Scenario Desk

Quick, upfront tax return and bank statement reviews. Get a firm scenario answer and credit pre-flight assessment within 2 hours.

Andrew's Wholesale Matrix Teaser Updated Daily
Loan Program Min FICO Max LTV Ratio
Conventional Prime 620 97%
FHA Reassurance 580 96.5%
Self-Employed Bank Stmt 660 90%
Prime Equity HELOC 680 85%

Partner With Andrew

Sign up for rate sheets, bulk pricing updates, and priority underwriting channels.

COMMON QUESTIONS

Frequently Asked Questions

Everything you need to know about our rates, timelines, and specialized southern California programs.

Our average close time is under **15 business days**. Because we operate under Lumin Lending's direct wholesale structure, we skip standard bank bureaucracy. For urgent purchase contracts, we offer priority lock and accelerated processing systems.
Most institutional lenders offer competitive interest rates but inflate administrative, processing, and application fees. Others do the inverse. We guarantee **both low competitive rates and low closing costs**. We provide zero-obligation Loan Estimates early so you can verify total savings.
**Yes!** We specialize in Non-QM (Non-Qualified Mortgage) loans, specifically **Bank Statement programs**. Instead of tax returns with standard write-offs, we verify your purchasing capability using 12 or 24 months of consecutive business bank statement deposits.
While we are physically headquartered in **Irvine, California** (Von Karman Ave), we are licensed and equipped to serve clients and secure mortgages **throughout California and Colorado**. We have deep transaction experience and local expertise in key metro areas, with a long history of closing high-value properties in **Orange County, Los Angeles, San Diego, and Denver**.
We offer early rate locks upon receiving full pre-approval materials. This shields you from daily interest rate swings while finalizing property negotiations. Talk to Andrew for specific float-down lock configurations.

Schedule Your Strategy Call

Select your interest path and book directly onto Andrew Grushevskiy's calendar.

Clicking below redirects to Google Calendar with your selected details to finalize the strategy session. Andrew will confirm via cell/work phone line within 1 business hour.

Get Your Custom Rate Quote

Receive custom interest rate breakdowns and accurate closing cost sheets directly from Andrew.

Browsing Rates? Get real-time Zillow estimates instantly via our verification link.

View Live Zillow Mortgage Rates