Temecula Mortgage Broker

A Temecula mortgage broker who shops for you.

A bank can only offer its own loans. I compare rates, fees, and programs from multiple lenders and bring you the one that actually fits. I've been doing this since 2005.

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Quick answer

Lumina Real Estate & Lending is a Temecula mortgage broker and real estate brokerage owned by Felicia Morales, who's been in lending since 2005. As a broker, she compares loans from multiple lenders instead of just one bank. She serves Temecula, Murrieta, Menifee, Wildomar, Winchester, French Valley, and all of Southern California.

Why work with a broker in Temecula?

Temecula Valley has a lot of newer communities with special assessments and HOA dues. Those change your payment and what you qualify for. I build them into your numbers from day one.

	A bank or online lender	Lumina as your broker
Loan options	One lender's products and one set of rules.	Multiple lenders to compare for your rate and fees.
If your file is tricky	A no means you start over somewhere else.	If one says no, I've got other options.
Your payment	Often quoted without local costs.	Taxes, insurance, HOA, and special assessments, all included.
Who you talk to	A call center or a new person each time.	Me, on my cell, start to finish.

Home loans I offer

Pick a loan to see how it works, who it fits, and the real numbers.

0% down

VA loans

For veterans and active duty families, including those at Camp Pendleton, MCAS Miramar, and Naval Base Coronado.

See VA loans

3.5% down

FHA loans

Flexible credit guidelines and a lower down payment. A great fit for a lot of first-time buyers.

See FHA loans

From 3% down

Conventional loans

Solid rates for buyers with good credit, and mortgage insurance that goes away.

See conventional loans

Higher prices

Jumbo loans

For wine country estates, view homes, and higher-priced properties across the valley.

See jumbo loans

Use your equity

HELOC and home equity

Tap your equity for a remodel, debt payoff, or your next move without touching your first mortgage.

See equity options

Own a business?

Self-employed and non-QM

Bank statement and other loans for when tax returns don't tell the whole story.

See non-QM loans

Browse all loan programs

How it works, start to finish

Three steps, one person guiding you the whole way. That's me.

Quick call and pre-approval

We talk about your goals and budget. I review your income and credit and shop lenders for your best fit.

Your real payment

You see the full monthly number, with taxes, insurance, HOA, and special assessments. No surprises in escrow.

Close with confidence

I keep your loan and your escrow moving together, all the way to the keys.

Smart ways to lower your payment

The rate isn't the whole story. These are the tools I use to make the numbers work.

Rate buydown

Pay a little up front, or have the seller pay it, to lower your rate. It can last the life of the loan or just the first few years.

Seller credits

Ask the seller to cover part of your closing costs or a buydown. I'll show you how much your loan allows.

Lender credits

Take a slightly higher rate in exchange for a credit toward closing costs, so you keep more cash in the bank.

Your agent and your lender, in one person

I hold a real estate broker license and a mortgage license. When we write an offer, I already know your loan works. If you already have an agent you love, that's okay too. I'm happy to just do your loan.

Get pre-approved Meet your Temecula realtor

Temecula mortgage questions

The honest answers I give my own clients.

What does a mortgage broker do?

A mortgage broker compares loans from multiple lenders for you. I gather your documents, find the lender and program that fit best, and manage the loan through closing. You get more options than you would from a single bank.

Is a mortgage broker better than a bank?

Often, yes, because a broker isn't limited to one lender's products or pricing. If your income, credit, or property is a little different, a broker has more places to go. A bank can only say yes or no to its own loans.

Can my real estate agent also be my lender in California?

Yes, if they hold both licenses. I'm licensed in real estate and mortgage lending, so I can represent you and do your loan. I'll walk you through the required disclosures so everything is clear.

Do I need 20% down to buy in Temecula?

No. Many buyers put down much less, and some programs need little or nothing down, like VA for eligible veterans. I'll show you real numbers for your situation so you can pick what feels right.

Do Temecula homes have special assessments?

Many newer communities in Temecula, Murrieta, and Menifee do. These special assessments are added to your property tax bill and can change your payment a lot. I check them on every home and include them in your numbers.

Do you help military families with VA loans?

Yes. A big part of my business is military families, many stationed at Camp Pendleton, MCAS Miramar, and Naval Base Coronado. I'll help you use your VA benefit, understand the funding fee, and find a home that works with your commute.

Can I get a loan if I'm self-employed?

Yes. Depending on your situation, we can use tax returns or look at bank statement and other non-QM options. I'll review your income the way an underwriter will before you start shopping.

What areas do you serve?

I'm based in Temecula and serve Murrieta, Menifee, Wildomar, Winchester, French Valley, Fallbrook, and all of Southern California.

Popular tools and free resources

Dig in on your own time. These are the ones clients reach for most.

Let's see what your numbers look like

Get a clear, honest picture of your payment and your options. No obligation, and no cost to talk.