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Holly Luca
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
NMLS Licensed Mortgage Loan Originator – TX, FL, IA
With over 20 years of experience in finance, mortgage lending, and credit union leadership, I bring a deep commitment to helping individuals and families achieve their homeownership goals. My journey spans roles as a CEO of multiple credit unions, founder of a consulting firm supporting small businesses, and mortgage advisor working closely with homebuyers across Texas and beyond.
I understand that buying a home is one of the most important financial decisions you’ll ever make—and it can feel overwhelming. Whether you're a first-time homebuyer, looking to refinance, or exploring options for a second property, I’m here to walk you through the process with clarity, confidence, and care. From understanding credit to comparing loan programs, I simplify the process so you can focus on what matters most: finding the perfect home.
I specialize in conventional loans, FHA, VA, and home equity solutions, and I take pride in offering customized lending strategies that fit each client’s financial profile. My background in compliance, underwriting review, and consumer advocacy ensures your loan experience is not only seamless but aligned with today’s ever-evolving mortgage regulations.
When you work with me, you get more than a mortgage—you gain a partner who’s committed to your long-term financial wellness.
Let’s make your dream of homeownership a reality—together.
NMLS#: 586712
Company NMLS#: 320841
Spoken Language: English
          Rates So Low Because...
We shop at
                    
                    232 lenders
                    demand
                          We                   
                  
                    our lenders give you
                     better rates
                    (we negotiate for you)
We cut our profit, so you can
                      
                      more money
                    save 
OUR ACCOMPLISHMENTS
232+
Number of Lenders
14800+
        
        
        
        
        
        
        
(Avg. 5.0) Google Reviews
      
2222+
Loan officers
48
Licensed states
                What makes us 
                different?
              Comprehensive rate comparisons across multiple lenders
Provide customized,
            real-time rate quotes
              Immediate notification of any market rate movement

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Fast funding,
easy application.
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