Let's find the loan that fits.
Purchases, refinances, HELOCs and investor loans — one application, shopped across 100+ wholesale lenders.
See your loan options in about two minutes
Answer a few quick questions and I'll compare programs across 100+ wholesale lenders for your scenario.
- No hard credit check to start
- 9 quick steps, most are one tap
- You hear back from me directly, not a call center
Hi, I'm Larz Martin.
I'm a Senior Mortgage Broker with Lumin Lending in Irvine, California. My job is simple: understand what you're trying to do, then shop it across 100+ wholesale lenders to find the program and pricing that actually fit, whether that's a purchase, a refinance, a HELOC, a non-QM loan or a reverse mortgage.
I also hold a California real estate license, so I can talk through the whole picture with you, not just the loan.
A bank sells you its loans. I shop the market for you.
Lenders, not one
Wholesale access across conventional, government, non-QM and equity programs.
Application, compared
You apply once; I line your options up side by side so you see what each really costs.
Direct with Larz
You work with me from first call to closing — NMLS #2026245, CA DRE #02241936.
Every major program, one broker
Been told no?
One bank's "no" isn't the market's answer. Non-QM and specialty lenders are built for scenarios banks pass on.
See non-QM optionsWhat clients say
“Larz made my refinance super easy, it was a very pleasant transaction”
“This is a great person to help you, with real estate options, and benefits!!! … He is really reliable, with home loans.”
“have great pleasure to work with Done 3 refinance and all have great results and highly recommendable”
Ready when you are.
Answer a few quick questions, book a call, or just call or text (949) 281-4050.