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
DAILY MARKET TRENDS

Wholesale Rate Market Tracker

We monitor the wholesale mortgage market daily. Unlike retail banks that hide their margin markup, we display our competitive 30-Year and 15-Year wholesale fixed rates transparently. Lock your rate at the optimal moment.

Wholesale Rate Trend Line (Past 30 Days)
30-Year Fixed Wholesale
6.32% | 1-Pt Buydown: 6.07%

Best for long-term stability. Rates are locked in directly through wholesale direct channels, bypassing retail markups and returning the savings to you.

15-Year Fixed Wholesale
5.62% | 1-Pt Buydown: 5.37%

Best for minimizing lifetime interest costs. Accelerates wealth accumulation with rapid equity build-up and direct institutional pricing.

COMPARE SAVINGS & AFFORDABILITY

Direct Wholesale Pricing. 100% Passed To You.

By acting as direct wholesale partners, we completely bypass retail bank markups, branch manager cuts, and corporate overhead, **passing 100% of these institutional savings directly to you**. Compare your direct savings or check how much home you can afford in real-time below.

✓
100% Passed Savings

By trimming branch manager cuts and retail margins, we drop wholesale borrowing rates by up to 0.70%, delivering pure savings to you.

✓
Lower Direct Closing Fees

Direct wholesale pricing channels eliminate expensive corporate branch layers, saving you thousands in upfront underwriting fees.

$379 Estimated Monthly Savings
$136,440 Interest Savings (30 Yrs)
$3,250 Estimated Closing Cost Savings
$4,185 Estimated PITI Payment

Estimates based on direct wholesale pricing and an aggressive 0.70% margin reduction relative to high-markup retail bank programs.

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, direct wholesale rates, and customized strategies** that protect your financial future. By acting as a direct wholesale partner, we completely bypass retail bank markups and administrative layers, **passing 100% of these institutional savings directly to you**. We handle the heavy lifting with absolute transparency."

★ 5.0 Star Rated on Zillow
★ 100% Client Transparency
★ Elite Direct-to-Wholesale Strategist
★ 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.

⚡

Fast 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.

📞

Direct Strategy Hotline

Direct phone and text channels to Andrew, available when you need me. Never wait on corporate retail desks for a critical contract update.

🔍

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 Wholesale Rate With 1-Pt Buydown
Conventional Prime 620 6.32% 6.07%
FHA Reassurance 580 5.85% 5.60%
Self-Employed Bank Stmt 660 7.25% 7.00%
Prime Equity HELOC 680 8.50% 8.25%

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.

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