Home Loans & Financing · California

Tired of Traditional
Banks Saying No?
Let's Find a Way.

Most banks look at your paperwork and see a risk. I look at your goals and find a way. Whether you're self-employed, managing debt, or buying your first home — I provide the strategy to get you approved.

Get My Strategy Apply Now

FHA

Government Loans

VA Loans Available

QM+

Non-QM Programs

Garrett Luas

Loan Originator · Consulting

📍 Compass Lending · 319 E. Palm Dr. Suite D, Placentia, CA 92870

📞 (562) 615-3997

✉️ [email protected]

NMLS# 2668957 DRE# 02218138 Compass Lending NMLS# 1579697

What I Offer

Loan Programs &
Financial Services

From first-time buyers to seasoned homeowners, I offer a wide range of mortgage solutions tailored to your unique financial situation.

🏠

Home Purchase

Ready to buy your first home or upgrade? I'll walk you through every option and find the loan that fits your budget and goals.

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Refinance

Lower your rate, reduce your term, or tap into equity. I'll help you determine if refinancing makes financial sense for you right now.

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Government Loans

FHA, VA, and USDA loans with low down payment options. Perfect for first-time buyers and qualifying veterans.

📋

Conventional & DSCR

Traditional conforming loans and Debt Service Coverage Ratio loans for real estate investors looking to grow their portfolio.

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Non-QM & Private Funding

Self-employed? Unique income situation? I offer qualified and non-qualified mortgage solutions plus private funding options when traditional lending doesn't fit.

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Reverse Mortgages

Homeowners 62 and older may qualify to convert home equity into tax-free funds — with no monthly mortgage payments required. I'll help you understand if a reverse mortgage is the right fit.

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Hard Money Loans

Need fast, asset-based financing? I have access to hard money loan programs ideal for fix-and-flip investors, bridge financing, or situations where traditional lending timelines don't work.

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Buyer Prep & Debt Consulting

Not quite ready to buy? I'll build a personalized plan to get you mortgage-ready. Already a homeowner? I can help you manage and restructure debt to save more each month.

How It Works

Simple. Transparent.
Stress-Free.

Getting a home loan doesn't have to be complicated. Here's what working with me looks like.

The Strategy Session

We map out your goals and identify any hurdles before they become problems — no pressure, no commitment.

Your Custom Roadmap

I present the specific strategies that bridge the gap between where you are and where you want to be.

The Heavy Lifting

I handle the complex paperwork and lender negotiations so you can focus on finding your home.

Clearance to Close

You move in with confidence, knowing every detail was handled by a partner who has your back.

About Garrett

Your Advocate in a Complex Market

In the mortgage world, most people are treated like a file number. If you don't fit into a neat little box, you get a "no." I started this business because I believe every Californian deserves a fair shot at homeownership.

I specialize in the complex cases — the entrepreneurs, the debt-heavy, and the first-timers — because those are the people who need a partner, not just a processor.

With access to a wide range of loan products, I shop the market on your behalf and build a strategy around your real goals — not just your paperwork.

🤝

Personal Attention

You work directly with me — not a call center.

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Wide Product Access

Conventional, Gov't, Non-QM, private & more.

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Future Planning

Help for buyers who aren't quite ready yet.

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Debt Management