Independent mortgage consultant serving all of California. Whether you're ready to buy now or planning for the future — I'm here to guide you every step of the way.
From first-time buyers to seasoned homeowners, I offer a wide range of mortgage solutions tailored to your unique financial situation.
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.
Lower your rate, reduce your term, or tap into equity. I'll help you determine if refinancing makes financial sense for you right now.
FHA, VA, and USDA loans with low down payment options. Perfect for first-time buyers and qualifying veterans.
Traditional conforming loans and Debt Service Coverage Ratio loans for real estate investors looking to grow their portfolio.
Self-employed? Unique income situation? I offer qualified and non-qualified mortgage solutions plus private funding options when traditional lending doesn't fit.
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.
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.
Getting a home loan doesn't have to be complicated. Here's what working with me looks like.
We chat about your goals, timeline, and financial picture — no pressure, no commitment.
I present the loan programs that make the most sense for your situation, clearly explained.
I guide you through paperwork and keep things moving so you're not left wondering what's next.
Keys in hand. You close on your terms, with confidence — and I'm still here if you need me.
I'm Garrett Luas, an independent mortgage loan originator with Compass Lending in Placentia, CA. My goal is simple: help real people navigate one of the biggest financial decisions of their lives with clarity and confidence.
I don't just close loans — I build relationships. Whether you're months away from buying, need to clean up debt first, or are ready to lock in a rate today, I meet you where you are and help you get where you want to go.
As your advocate, I have access to a wide range of loan products so I can shop the market on your behalf and find the most competitive terms available for your situation.
You work directly with me — not a call center.
Conventional, Gov't, Non-QM, private & more.
Help for buyers who aren't quite ready yet.
Strategies to reduce obligations & save more.
I'm responsive and keep you in the loop.
Southern California market knowledge.
Reach out for a free, no-obligation consultation. I'm happy to answer questions, review your situation, and help you figure out your next best step.