THE LUMINA TEAM
Felicia Morales
Broker Owner | License ID: 01471238
Felicia Morales
Broker Owner | License ID: 01471238
Felicia services all of Southern California and has chosen to make the Temecula Valley her home for over 20 years. With decades of experience in real estate and mortgage lending, she possesses an unparalleled understanding of the local market. Since 2017, Felicia has owned and operated her own brokerage, offering families comprehensive expertise in both the real estate and mortgage markets, setting her apart from traditional realtors.
Felicia services all of Southern California and has chosen to make the Temecula Valley her home for over 20 years. With decades of experience in real estate and mortgage lending, she possesses an unparalleled understanding of the local market. Since 2017, Felicia has owned and operated her own brokerage, offering families comprehensive expertise in both the real estate and mortgage markets, setting her apart from traditional realtors.
REVIEWS
- Ana CalderonThis is the second time I use Lumina Real Estate and I am very satisfied with their services. Felicia is a delight to work with. She has always made everything go smoothly and answered any questions and concerns I had in a timely manner. Will continue to use them in the future. Highly recommend!
- Dược Sĩ DzỏmWe happened to meet Felicia Morales at one of the open house. Beginning was just a hand shake and some conversations. Almost a year later, we had decided to purchase a house, and my wife stated "let me try to call Felicia". Since that day, the rest is history. She helps us to finance our new home quickly and during the stressful process, she has been always available for any questions we would have. I'm very glad that we met Felicia and had her being our loan officer. If anyone needs a loan officer, I strongly recommend Felicia for all the financial needs!
- Chris alvergueSelling our home was an emotional journey, but working with Felicia made all the difference. We first worked with her 15 years ago when she sold us that very same home. From the beginning, she was there to answer any and every question we had even if it was being asked 10 times. She went above and beyond every step of the way. She was always available, honest, and incredibly knowledgeable. Thanks to her dedication, we felt supported, informed, and confident. We couldn’t have asked for a better partner to both open and close this chapter. Thank you, Felicia, for everything. You are top tier!!!
- Mama BearFelicia made our Home refinancing a breeze! Kept great communication throughout the process, valued our thoughts, and got us the APR we where looking for! Look no further than Lumina Real Estate for all of your Real Estate needs. She makes all transactions smooth and seamless.
- NICOLA RUBIOFelicia and Nicole are absolutely fantastic. They’re efficient, knowledgeable, responsive and a pleasure to work with. Thanks to Nicole, we bought the right house for the right price. Thanks to Felicia, we got an amazing rate and were ready to close before the scheduled closing date. The entire process was seamless. Cannot recommend them highly enough. Choose Lumina - you won’t be disappointed!
- 8w272yw6hkFelicia is a professional! We had a wonderful experience buying our first home with her! She was very knowledgeable about the real estate scene in our area and was very quick to respond to our needs.
- Ron KirallaWe have worked with Felicia before so we knew the top-notch professional she is. Just as before the experience was super easy. Felicia walked us through every turn and provided an exceptional customer experience. We will always turn to Felicia for our mortgage needs. Thanks again Felicia for all your assistance!
- E LeeI can’t begin to express how wonderful Lumina Real Estate & Lending has been during the purchase of our home. Felicia and Nicole were there for us 24-7 to answer and questions or concerns. Felicia helped break down all the financials so we knew exactly what we needed and where we stood through the entire process. Nicole was our agent, recommended by a friend and delivered superior service throughout our search, offer, and closing. I never expected such a smooth and easy transition with such a huge purchase. If you are not utilizing Lumina Real Estate you are selling yourself short. Any future real estate needs will only be done through Lumina. It’s rare to find genuine people to trust with such a big purchase. Thank you Lumina. You helped us find a place we now call home.You have a customer for Life!
- Jesse NunezNicole Luff and Felicia are a great team. We worked with Nicole on the sale of our previous house and now got us into our dream home. Felicia and Nicole are very professional with their response times and availability. Thank you both for helping us make this process as quick and smooth as possible!
- Jacob JacksonTruly the best agent i’ve ever seen and worked with not only she got the house we wanted, she also helped with the loan 5 stars is not enough for the service we got, from now on I will have her on my speed dial
- Ned MojicaService Deluxe! We have used Lumina Real Estate and Lending on several transactions that we have their number on speed dial! Thank you so very much, Felicia! 😁
- Alan FitchFelicia was very helpful. She made the entire process extremely simple.
- Catherine NelsonWhat an awesome team! I cannot say enough good things about Felicia and Nicole. We purchased a new construction home in July with Nicole. She made everything so easy from start to finish. Unfortunately at the time, interest rates had skyrocketed. After 6 months of making our payments, we reached out to Felicia and she was able to find us a significantly lower interest rate and we closed today on our re-fi with a lower payment, just in time for the holidays. Thank you Felicia and Nicole! If you are thinking of buying or selling a home, or refinancing, reach out to this dream team...you won't be disappointed!
- Jim LockFelicia was great! She answered all my questions, which I had quite a few, and explained each set step of the refi process so that I always felt I knew exactly what was expected of us and what was coming next. I should mention she got us a great rate on our cashout refi. This is the second time we worked with felicia and once again she didn't disappoint.
- Arturo Narciso
- Hailiang ZhaoFelicia is professional, patient and highly efficient! She handled my two loans at the same time and made the whole process very smoothly. Thank you so much!
- Juan MarinFelicia was always there whenever I had questions. Responded in a timely manner as well as helped me through anything I had trouble understanding. Definitely would work with her and her team again.
- Ruben MoraThis is our second time working with Felicia and it was just as great! Excellent and professional service at all times. Very attentive to your needs and questions you may have. If she says she’s taking care of it then I don’t even worry about. Highly highly recommend.
- A Google UserOur refi was a quick process with Lumina! Very professional, helpful, and straightforward process with Felicia, who was wonderful! Thank you so much.
- Benny LawBy far the best experience for loan shopping with extremely competitive rates to boot. Felicia shopped around and got the best possible rate for us. She is professional and responsive, and spent the time and energy to ensure we have a smooth and seamless refi experience. We saved some serious cash. Extremely pleased and highly recommend.
- Savoy WFelicia made my VA loan very easy and painless. She is responsive and was always available to answer questions. Her professionalism is greatly appreciated.
- Vianca HassankhailWorking with Felicia is an absolute pleasure. She made refinancing our home simple and easy. She’s thorough, patient and will do everything she can to get you exactly what you need. Felicia has helped my family buy their home and also helped us sell our home before. She’s been in business for many years and we will continue to use her services for our future real estate and lending needs. Thank you for all you do Felicia.
- Almar MarcaidaWorking with Felicia has been a great experience with my refinancing. From staying responsive and passing helpful information about the current housing market and interest rates, she has been transparent through it all. I couldn't have asked for a better experience.
- RachelI recommend Felicia and Lumina team. I was referred to Felicia by a friend and that is one good decision to go through our refinancing needs. She is very, very responsive. Quick and fast response, professional and very knowledgeable. It was a very pleasant and super quick experience, my loan process just only took 2 weeks to process once i submitted the paperwork. High regards to this company
- Errin McLellanFelicia, handled the refinance for my parents home after a terrible experience with a HERO loan on their property. Felicia explained the process and ensured them not to worry that the loan would be paid off and no longer attached to their property, which was their main concern. They received a great rate and in just over 2 weeks the loan was closed. Felicia is the most experienced and professional lender we have ever worked with. I highly recommend Felicia to anyone who is looking to refinance or purchase a property! We could not be happier.
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- Alayne KirallaI have bought several homes and refinanced many times, by far this has been the smoothest process ever. Felicia you are amazing. Appreciate the constant communication and professionalism.
- Kelly HendersonI’ve done all of my real estate with Felicia for 15 years. She is the best!
- Vince Webb
- Madison DeVostFelicia and Nicole are a dream to work with! My husband was deployed, I was home in Virginia, and we were looking to buy in California during a crazy market time. Nicole was so easy to communicate and connect with. She goes above and beyond and with being in another state, she made it super easy with videos and her honesty. Felicia answered all my loan questions and got us an amazing rate and way below our budget! The process was long with the crazy market but it was such an enjoyable time working with both of these awesome ladies and I would highly recommend them!!
- Ashleigh GoodwinNicole Luff is absolutely amazing!!! I’ve worked with her twice, buying and selling and both transactions went seamless!!! From the start, Nicole had the best advice when putting our home on the market. She was always assessable no matter the time. She made sure I understand everything fully before leaving each conversation. When selling our home, she made sure every single detail went smoothly. From deciding on a list price, scheduling showings and selecting the best offer, she made everything effortless for us. Her marketing is flawless. Her knowledge of the current economic house trends is impeccable. She is just an overall amazing agent. Highly recommend! I wouldn’t work with any other realtor in California.
- Penny LoeraI would like to share my experience with Felicia at lumina real estate it was the best ever we refied with her and it was the smoothest and quickest we've ever experienced she was on top of everything had a little hiccup at the end and she was on it I would definitely recommend and use her again thanks felicia
- Steve EstradaMe and my wife exceptionally happy with Felicia outstanding work and service she provided to help us refinance our home.We highly recommend Felicia for her outstanding customer service!
- J. M.Just completed my second refinance with Felicia. She is very knowledgeable and helpful in answering any questions. She really cares and made sure I was getting the best rate. She is super responsive and overall made the process so easy. I would definitely recommend her!
- Carl LFelicia is an excellent and very professional agent. They care about their clients and they are always available and patient to answer our questions even on weekends and after office hours. This is our first time to refinance our house, and Felicia guided us throughout the whole process. She is very reliable, kind, very helpful and transparent. We are so glad that we chose Lumina as our broker. Our interest rate went down from 3.9% to 2.6%, thanks to their ongoing inquiry about the latest on the market. Thank you for helping us throughout this process. We highly recommend Lumina to anyone who are looking for any real estate transactions.
- Marta FigueroaThe process was fast and stress free
- almar reinosoWow!! Amazing, professional, excellent service. I'm so happy and blessed to have this team. NICOLE, FELICIA. Thank you so much. You guys are the best. Thank you for getting us the best rates and the best deals. Thank you for your patience and for answering all my dumb questions. Lol. Thank you ladies so very much. God bless!
- Elizabeth SerratoWorking with Lumina Real Estate & Lending was such a great experience. Felicia and Nicole are such a great team. Buying our first home could have easily been stressful but, Nicole and Felicia we’re ready to answer any questions and truthfully made purchasing our first home feel easy. They truly have your best interest in mind and I could not have picked a better team to help my family get into our first home. I am forever thankful to have found them.
- Roland SinenengFelicia is great to work with. She is flexible, responsive, and kept us on task. We started the refinance process on 2/1, and signed the paperwork on 2/11.
- Cristina MamawiHappy to meet Felicia and her company she helped us to get our home 🏡 God bless you more🙏🙏🙏.
- Jeremiah KHillI’ve worked with Lumina on three different occasions. Each has been great and they do an amazing job keeping you informed and answering any questions. They take into account your goals and listen to you. I won’t recommend anyone else! Jeremiah
- Ryan FernandezWe love this team! We highly recommend their services. They work really well with military families and are very accommodating. We did a refinance and husband was going to leave soon for deployment. Felicia definitely worked with us and we had it done in a matter of weeks right before he left. Any questions I had, she clarified it for me right away. Very transparent and professional.
- Tiffany Farris-ScottFelicia at Lumina did an incredible job getting our loan processed for our new home! She was very responsive to all of our questions and needs and kept us at ease during the whole process. She went above and beyond to make sure that our loan closed on time. I would highly recommend her for your lending needs when buying or refinancing a home because I can guarantee she will work hard to ensure that you can get into your dream home.
- Emmanuel Adomako
- Lisa LockWe just refinanced to lower our rate and cut off some years. Felicia was the best!! I highly recommend using her for all your lending needs.
- Robert BajerFelicia helped us through the process and smoothed the bumps we encountered with some old lingering title issues. Persistence paid off Thanks so much
- hondo rojanoI would like to share with everyone what an excellent service Felicia from Lumina Real Estate provided to my family and me. Felicia helped us sell our home and made the experience so easy. She helped us understand all the steps we would be taking, walked us through them as we went through each step and helped us get the most value for our home. Felicia was pleasant to work with and because of her experience and professional approach, we have worked with her on more than one occasion. Felicia truly did an excellent job in helping us prepare and sell our home, made the experience pleasant and helped us maximize the return on our home. I would totally recommend Felicia to anyone interested in selling their home.
- Claudia StewartFelicia and Nicole were SO amazing to work with! We had to purchase our house without seeing it in person and Nicole showed us 50 homes before we found the one. Felicia was so responsive and always helpful in explaining every detail till we were able to understand. They made buying our first home a breeze and I wouldn’t have wanted to work with anyone else!
- Julie PackwoodWe love working with Felicia ! We have sold and bought a house, and re-financed multiple times with Felicia! Always there to answer questions, explain everything that is going on in the transaction, and always makes you feel at ease. She is absolutely the best!
- Deb MapleI am very happy with Lumina Real Estate & Lending. Felicia Morales was very professional and a great advisor and guide throughout the process. She was attentive and thorough when answering all of my inquiries. She is a caring person that advised me throughout both, the sale of my home and the financing for my new home. Her attention to detail made it much easier for me to facilitate both transactions; getting the best deal on both. She started by asking me about how I felt about my home. Also, questions related to upgrades that I had completed during ownership. After that conversation, she created a professional home tour and web site for prospective buyers. She incorporated most of my heartfelt details into the brochure and home tour. Amazing results. My home sold on the first weekend, over asking price! Great job!
- Tracey AndersonFelicia was wonderful to work with! She handled my home purchase last September and then worked to find me a great rate for a refinance that will save me thousands over the term of my loan. She made the process very simple and communicated with me every step of the way. I highly recommend and should I ever buy another property will have her handle the loan.
- Juanita GonzalezFelicia helped me lower my monthly payment by refinancing my loan to take advantage of the incredibly low interest rates. Thanks for making the process so easy.
- Vanessa PalaciosI loved working with Felicia ... very quick to respond and accommodating ..
- E ReyesI just went through a refinance with Felicia and couldn't be more pleased with the whole experience. The process went quickly and smoothly thanks to Felicia's knowledge, professionalism and responsiveness. She was also very kind and patient with me which is something I personally consider to be equally important in quality service. I will not hesitate to recommend her services to family/friends.
- Maria ZunigaWe had an amazing experience! They Answered all of our questions (and we had a lot) supper professional and informative. Thank you so much for helping us get our new home.
- Arielle MojicaI just closed on my first home and would not have been able to do so without Felicia! She was recommended from a family member and I'm so glad she was. Felicia was insightful, responsive, and so so helpful every step of the way. My other family members and I will continue to go to her for any future home opportunities or refinances, and I highly recommend you do so as well. Thank you for everything Felicia; I am eternally grateful for your help!
- Annie MojicaFelicia was always helpful and was there every step of the way during the whole refinancing process. She's quick to response to inquiries. Happy to do business with her and highly recommended her service to family and friends... and will continually do so.
- Rosalva WestonWe just refinanced or home on a lower interest rate (VHA) Thank you Felicia for looking out for us and your professionalism and friendliness. This was so quick and easy. This was not our first time working with you and would recommend you to anybody. (Which we have and they are happy too) We really do appreciate you!
- JoseFelicia is the the best, she took care of everything and did it with no issues at all, fast and easy, thank you so much Felicia. Very professional, trustworthy and explains everything, hard to find trustworthy people I will for sure be contacting Felicia again.
- Christopher Smith
- Ken EidenJust did a refinance working with Felicia and was perfect. Everything done digitally, she was very responsive to all my communications and upfront about all costs. Will definitely use again.
- Jessica WilhiteThis was the smoothest, quickest loan my husband and I have ever had! Felicia at Lumina is a great communicator, and even dated paperwork for us where appropriate so we just had to sign. Those are the little things, the detailed work that you might not even be aware of that can make things go smoothly and quickly. The quality and the value get high marks! Thank you, Felicia. You were a real pleasure to work with. The Wilhites
- Freddy TapiaFelicia is by far the best! She helped me and my family with refinancing our home and I cannot stress this enough it was the best and fast service ever. She explained everything step by step and didn’t hesitate to go over every single step to make sure we understood everything. I will definitely recommend to a friend looking to refinance. Once again thank you Felicia for everything! Couldn’t have done this without your great assistance and guidance.
- Estela BallonFelicia helped me get a great rate on a mortgage refinance. Most everything took place online or digitally which was great during a pandemic! She quickly responded to all of my inquiries. The process was quick and easy.
- Deborah DemeoI have worked with Felicia for almost 2 years...She is hands down the best person to handle your financial needs. She is attentive, personal, efficient, reliable and trust worthy. She is a professional person who has no problem getting in touch with you if you have any questions or concerns 24/ 7. I highly recommend her services for your financial matters.
- Jeannie MillerFelicia Morales helped me buy my first home in Temecula over 10 years ago and my second about six months ago. She went above and beyond and really went out of her way to help me get to know the area. She’s become a dear friend that I know I can trust. She’s also very knowledgeable about the area and can help you find the best home for your needs. She’s a go getter and will work hard to help you get your dream home.
- Ricardo FigueroaFelicia was the best lender my wife and I could ask for. She was honest, very knowledgeably, and very easy to work with. She definitely had her work cut out when working her magic for us and we couldn’t be happier with her results! She is highly recommended by both my wife and I, and we wouldn’t have wanted anyone else helping us out.
- Alyssa FalgeIf you need to refinance your house, please use Felicia! She is fast, diligent and extremely easy to work with! She definitely puts in the work for you! She goes above and beyond for her clients. She is super knowledgeable in her field and was able to catch mistakes from our previous refinance that may have hindered us financially in the long run if it wasn’t caught. I have nothing bad to say about her or her service!
- Patrick RossCouldn’t be more happy working with Felicia on refinancing our house. She was able to catch some mistakes our last refi Officer/lender made and was still able to put money back into our pockets. 10/10 would recommend 🙌🏼
- Marcial MartinezJust ReFi’d with Lumina! Lower APR and now saving a bundle. We could not have done it without Felicia’s guidance and patience (I had looooads of questions which she explained). I gotta say since we first got our home with Lumina they continued to educate my wife and me with how we can better control our home financing. I couldn’t be happier with Lumina’s service. Thank you, Felicia, Nicole and your whole staff.