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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Best for long-term stability. Rates are locked in directly through wholesale direct channels, bypassing retail markups and returning the savings to you.
Best for minimizing lifetime interest costs. Accelerates wealth accumulation with rapid equity build-up and direct institutional pricing.
Direct Wholesale Pricing. Savings Passed On To You.
By acting as direct wholesale partners, we completely bypass retail bank markups, branch manager cuts, and corporate overhead, **passing institutional savings directly to you**. Compare your direct savings or check how much home you can afford in real-time below.
By trimming branch manager cuts and retail margins, we drop wholesale borrowing rates by up to 0.70%, delivering pure savings to you.
Direct wholesale pricing channels eliminate expensive corporate branch layers, saving you thousands in upfront underwriting fees.
Meet Andrew
"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."
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.
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.
| 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.
Frequently Asked Questions
Everything you need to know about our rates, timelines, and specialized southern California programs.