Your Direct Line to
50+ Wholesale Lenders
Mo AbdelSenior Mortgage BrokerLumin Lending
Skip the bank. We access 50+ wholesale lenders to find you lower rates, faster approvals, and zero bureaucratic headaches.
No credit check required for initial quote • Fast response times
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How Does Wholesale Mortgage Pricing Save You Money?
Wholesale mortgage pricing gives you access to institutional rates that retail banks simply cannot match, saving thousands over the life of your loan.
Wholesale Power
While retail banks offer their single menu, we access 50+ lenders' wholesale channels— including the banks themselves at better pricing. This means you get institutional rates without institutional bureaucracy.
Program Expertise
Why Choose a Mortgage Broker vs Banks?
Unlike retail banks with limited product offerings, I leverage wholesale lending channels and 50+ lender relationships to provide more options and competitive pricing for every California and Washington homeowner.
Access to 50+ Wholesale Lenders
Brokers provide access to significantly more loan options than retail banks. I connect you to multiple lenders who compete for your business, offering diverse programs and competitive wholesale pricing.
Transparent & Streamlined Process
No confusing jargon or hidden fees. I use modern technology for efficient processing with clear communication at every step of your mortgage journey.
Local Market Expert
Deep knowledge of California and Washington's unique neighborhoods, pricing, and market trends. I help you make informed decisions based on local insights.
Personalized Service
You're not a number in a queue. I provide dedicated one-on-one service with each loan strategy tailored to your unique financial situation and goals.
Streamlined Underwriting
Efficient processes with typical 15-21 day closings. Access to multiple approval options through our network of wholesale lenders.
Client-Focused Advocacy
I work for you, not the banks. Your financial well-being guides my recommendations, ensuring you understand all available options.
Free Mortgage Guides & Resources
Expert insights to help you make informed decisions about your mortgage.
Serving Communities Across California & Washington
Statewide mortgage expertise across California and Washington, with local-market guidance for buyers, homeowners, and investors.
Washington Communities
California Communities
Client Reviews
Real feedback from real clients on Zillow
Zillow review
“I worked with Mo and Latoyia at WCL to obtain a HEL. I could not be more pleased with the process. Mo was professional, thorough and generally very interested in seeing that my experience was a pleasant one. I'd recommend them to anyone looking for a lender. Great job.”
jhcurry
Fairfield, CA • Dec 2025