Orange County · NMLS #2588056
Orange County mortgages, handled personally.
I'm Luke McCrea — a mortgage loan originator and licensed Realtor who grew up here. With access to more than 175 lenders, I find the loan that actually fits your situation, and I stay with you from the first phone call through closing.
4.86 average across 17 verified reviews, collected and verified by Experience.com.
Corona del Mar, looking out over Newport Harbor
Why people send their friends to me
A mortgage is the biggest loan most people will ever sign for. You should know who is handling it.
I grew up here
Born and raised in Orange County, Chapman University grad, still working here every day. I know these neighborhoods, and I know the agents, escrow officers, and appraisers who get a deal closed on time.
More options — 175+ lenders
I'm not a bank with one rate sheet. Access to more than 175 lenders means I can take your file to the one that prices and underwrites it best, instead of talking you into whatever's on the menu.
Both sides of the table
I'm a licensed California Realtor as well as a loan originator. I can read a purchase contract, not just a loan application — which matters when an offer is competitive or an escrow gets complicated.
When you work with me, you work with me
You get my number, not a call center queue. The person who takes your first call is the person who walks you through underwriting and shows up at signing.
How I work
Three things you can hold me to.
Not promises about the loan — a lender decides that, and nobody should tell you otherwise on a website. Promises about me.
Weekdays: same business day.
Call, text or email during the business day and you hear back before it ends. Not a confirmation that I received it — an answer.
Evenings and weekends: within 24 hours.
Offers get written on Saturday nights and countered on Sunday mornings. Outside business hours, a reply inside 24 hours, and usually well inside it.
Always me.
No assistant, no team inbox, no queue. The person who picks up the first call is the person on your file through underwriting and at signing.
These are commitments about how I work. Whether a loan is approved is a lender's decision, and never mine to promise.
What I can finance
Whatever you're trying to do, there's almost always more than one way to structure it. Start here, then let's talk through which one makes sense for you.
Home Purchase
Buying in Orange County or anywhere else in California — first home or fifth.
Conventional · Jumbo · FHA · VA · First-Time Homebuyer Programs
Refinance
Lower your rate, change your term, or pull cash out of the equity you've built.
Rate & Term · Cash-Out · VA IRRRL · Debt Consolidation
Home Equity
Tap your equity without touching the low first-mortgage rate you already have.
HELOC · HELOAN / Home Equity Loan
Investment Property
Financing that qualifies on the property, not just on your tax returns.
DSCR · Fix & Flip · Bridge · Investment Property Financing
Specialty & Non-QM
For self-employed borrowers and anyone whose income doesn't fit a standard box.
Bank Statement · Asset-Based · Interest-Only · Other Non-QM
Where I work
Orange County, city by city
Every city here has a financing question that is genuinely its own. Each page is built on one of them, and on the documents that answer it.
What clients say
4.86 average across 17 verified reviews, collected and verified by Experience.com.
The footprint
Orange County first — licensed in 28 states.
Home base is Irvine and Orange County is where the practice is focused. But if you're relocating, buying a second home, or financing an investment out of state, odds are I'm already licensed there.
Licensed in 28 states — hover or tap any filled state.
Let's figure out your options.
Start your application online, or get me on the phone first — whichever you'd rather do.
- Call or text
- (949) 744-5302
- Office
- 17911 Von Karman Ave, Suite 400
Irvine, CA 92614