Independent Wholesale Mortgage Broker
Cash-out, home improvement, debt consolidation, self-employed, investor, jumbo, or turned down elsewhere? As an independent broker, I shop your loan across 100+ wholesale lenders to find an option that fits, not whatever a single bank happens to offer.
Meet your broker
NMLS #920614 · CA DRE #01429328
Senior Mortgage Broker with Lumin Lending, based in Orange County, California and working in the mortgage business since 1993. A specialist in loans the big banks won't touch: self-employed borrowers, real-estate investors, and buyers with credit that needs a human, not an algorithm.
Because I'm an independent broker, I'm not tied to one bank's rate sheet or guidelines. I shop your scenario across 100+ wholesale lenders and bring you the options that actually work. If it involves financing a property, there's a good chance I've done it.
Turned down elsewhere?
A "no" from a bank usually just means you needed the right lender. It doesn't mean you can't qualify. These are the situations I work in every day:
Qualify on bank statements or cash flow instead of tax-return AGI.
DSCR loans that qualify on the property's rent, not your personal income.
Programs built for borrowers rebuilding credit, without the bank's rigid overlays.
Financing above conforming limits through specialized jumbo lenders.
Flexible income documentation for new roles, gaps, or career moves.
Non-warrantable condos, mixed-use, and other "outside the box" assets.
Loan programs
These are the categories. Behind each one sit 100+ lenders, every one carrying dozens of programs of its own, so we match the loan to your situation instead of forcing your situation into one product.
Low-down-payment and standard conforming loans for primary, second, and investment homes.
GovernmentFHAFlexible-credit, low-down-payment financing that fits first-time and returning buyers.
VeteransVALow-down-payment options for eligible veterans and service members, with no monthly mortgage insurance requirement on this program.
High balanceJumboFinancing above conforming limits through lenders that specialize in larger loans.
InvestorDSCRQualify an investment property on its rental cash flow instead of your personal income.
Self-employedBank-StatementUse 12–24 months of bank deposits to qualify instead of tax returns.
FlexibleNon-QMCommon-sense underwriting for borrowers who don't fit the standard agency box.
EquityHELOCTap your home's equity with a flexible line of credit. Fast, digital options available.
62+Reverse MortgageConvert home equity into cash flow or a line of credit for qualifying homeowners 62+.
Lower paymentRefinanceRate-and-term and cash-out refinancing to restructure or pull equity from your home.
SimplifyDebt ConsolidationRoll high-interest debt into your mortgage to simplify monthly payments. Consolidating may increase the total interest paid over the life of the loan.
Why a broker
A bank offers its own products. I shop your loan across a wide wholesale network to find a competitive fit.
Self-employed, investor, credit-challenged, jumbo: the scenarios other lenders pass on are the ones I specialize in.
You work directly with me from first call to closing. No call-center handoffs, no guessing where your loan stands.
Common questions
The questions I hear most, especially from borrowers who've been turned down or don't fit the standard box.
Generally, no. As an independent broker I work with a wide network of wholesale lenders, and my compensation is disclosed to you up front on every loan. Instead of one bank's menu, you get 100+ lenders competing for your loan.
My job is to match the option to your scenario, not to sell you a single product.
Often, yes. Bank-statement and other non-QM programs let self-employed and 1099 borrowers qualify on cash flow or deposits instead of tax-return AGI. If your business income doesn't fully show up on your returns, this is exactly the kind of file I work in.
A DSCR (Debt-Service-Coverage-Ratio) loan is for investment properties. It lets the property qualify on its own rental cash flow. Typically no personal income documentation or tax returns, depending on the program. It's a common fit for buy-and-hold investors growing a portfolio.
Usually, yes. A bank "no" often just means you needed a different lender. It doesn't mean you can't qualify. Banks lend from one rule book; as an independent broker I can take your scenario to 100+ lenders with different guidelines.
Credit challenges, a recent job change, jumbo, or a unique property are the situations I work in every day.
There's no single cutoff. Different programs fit different credit profiles, and some are built specifically for borrowers who are rebuilding. Rather than rule yourself out, tell me your situation and I'll tell you which programs realistically fit.
Start with a free, no-obligation consultation. Call, text, or apply online. To review your scenario I'll typically look at your ID, income documentation (such as pay stubs or bank statements), and basic property details. From there I'll tell you straight whether, and how, it can work.
Client reviews
Verified reviews from people I've actually closed loans for. Read every one at the source.
"Daniel was fantastic to work with from start to finish on my HELOC… this process with Daniel couldn't have been more seamless."
"Danny is wonderful — very patient and knowledgeable."
Reviews are individual client experiences verified by Experience.com, an independent third-party review platform. Individual results and loan outcomes vary and are not guaranteed.
Free, no-obligation consultation. Tell me your scenario and I'll tell you straight whether it can work, and how.
