Personalized Strategy. Aligned to Your Goals.
Institutional direct wholesale rate access for high-end properties in California and Colorado. We design bespoke mortgage structures without the retail layers, retail margins, or generic templates.
Wholesale Lending Suite
Conventional Prime
Optimized conventional loans with market-leading wholesale interest rates and minimal processing fees.
FHA Reassurance
Accessible government-backed financing with lower down payments and flexible qualification credit standards.
VA 0% Down
Honoring military service with zero down payment, no monthly PMI, and access to full California loan limits.
Non-QM & HELOC
Custom bank statement programs for business owners, plus flexible HELOCs to unlock home equity.
Wholesale Rate Tracker
Live Market Trend (Past 30 Days)
Rates are updated daily via direct integration. Under corporate license NMLS #2716106 (Lumin Lending Inc.), Andrew Grushevskiy delivers direct wholesale pricing without standard retail markups.
Wholesale Savings Portal
For Real Estate Agents & Brokers
Protect your deals with direct wholesale rates and low processing fees that help buyers qualify for up to 10% more purchasing power. We work weekends, pre-approve in minutes, and close contracts early.
Fast Approvals
Fully verified desktop underwriter (DU) pre-approvals ran instantly, giving your buyers absolute leverage on Saturday bidding wars.
Wholesale Fee Tables
Low direct-processing overhead and zero branch margins, keeping loan fees tight so your buyers qualify for more.
10% More Purchasing Power
Wholesale interest pricing lowers monthly payments, helping close marginal transactions that standard retail banks reject.
Direct Strategy Hotline
Direct phone and text channels to Andrew, available when you need me. Never wait on corporate retail desks for a critical contract update.
| Loan Program | Min FICO | Wholesale Rate | With 1-Pt Buydown |
|---|---|---|---|
| Conventional Prime | 620 | 6.32% | 6.07% |
| FHA Reassurance | 580 | 5.85% | 5.60% |
| Self-Employed Bank Stmt | 660 | 7.25% | 7.00% |
| Prime Equity HELOC | 680 | 8.50% | 8.25% |
Meet Andrew
Andrew Grushevskiy — Licensed Loan Officer NMLS #2422106
"My commitment is simple: bypass traditional retail banking markups and deliver institutional wholesale rates directly to you. By eliminating expensive branch layers and corporate margins, we pass these direct savings to the borrower, helping you qualify for up to 10% more purchasing power."
We guarantee clear pricing transparency, direct communication, and fast, verified DU underwriting pre-approvals on weekends so your offers are locked and ready to win bidding wars.
Verify NMLS License →Client Transcripts
"Andrew is a dream to work with! He was incredibly kind and patient... He made the experience easy, lightning-fast, streamlined, and very human."
"We appreciated how Andrew spelled things out for us. He knew his stuff and was not pushy, which is something we very much value!"
"As first-time home buyers, we were completely new... Andrew made everything easy to understand. He took the time to walk us through all our options in detail."