Home Loans & Financing · California

Tired of Traditional
Banks Saying No?
Let's Find a Way.

Most banks look at your paperwork and see a risk. I look at your goals and find a way. Whether you're self-employed, managing debt, or buying your first home — I provide the strategy to get you approved.

Get My Strategy Apply Now

FHA

Government Loans

VA Loans Available

CONV

Conventional Loans

Self-Employed & Investors

ALT

Alternative Income Loans

Garrett Luas

Loan Originator · Consulting

📍 Compass Lending · 319 E. Palm Dr. Suite D, Placentia, CA 92870

📞 (562) 615-3997

✉️ gluas24@gmail.com

NMLS# 2668957 DRE# 02218138 Compass Lending NMLS# 1579697

Beyond the Loan

Building Your Net Worth,
Not Just Your Mortgage

Most people see a mortgage as a monthly bill. I see it as the foundation of your long-term financial freedom. When structured correctly, your home is an engine for building wealth.

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Equity Growth

Every payment is a forced savings account that quietly grows your net worth month after month.

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Appreciation Power

Real estate in California has historically been one of the most reliable ways to hedge against inflation and build lasting wealth.

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Tax Advantages

Strategic borrowing can unlock deductions that keep more money in your pocket — money that can be reinvested back into your future.

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Strategic Reinvestment

Whether it's tapping equity for a second property or restructuring debt to improve cash flow, I help you make your home work for you.

Start My Wealth Roadmap →

What I Offer

Loan Programs &
Financial Services

From first-time buyers to seasoned homeowners, I offer a wide range of mortgage solutions tailored to your unique financial situation.

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Alternative Income & Private Funding

I specialize in flexible lending solutions for those who don't fit the 'standard' bank mold. Whether you're self-employed, have a unique income structure, or need private funding, I have the tools to get you to the finish line when traditional banks say no.

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Home Purchase

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.

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Refinance

Optimize your equity and free up capital to invest or pay down higher-interest debt. Refinancing isn't just about a lower payment — it's a strategic move toward long-term financial freedom.

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Government Loans

FHA, VA, and USDA loans with low down payment options. Perfect for first-time buyers and qualifying veterans.

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Conventional Loans

Traditional mortgage financing with flexible terms and competitive rates. Ideal for buyers with solid credit looking for a straightforward path to homeownership without government loan requirements.

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DSCR & Investment Loans

Debt Service Coverage Ratio loans for real estate investors looking to build generational wealth through a growing property portfolio — qualify based on the property's income, not your personal DTI.

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Reverse Mortgages

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.

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Buyer Prep & Debt Consulting

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.

How It Works

Simple. Transparent.
Stress-Free.

Getting a home loan doesn't have to be complicated. Here's what working with me looks like.

The Strategy Session

We map out your goals and identify any hurdles before they become problems — no pressure, no commitment.

Your Custom Roadmap

I present the specific strategies that bridge the gap between where you are and where you want to be.

The Heavy Lifting

I handle the complex paperwork and lender negotiations so you can focus on finding your home.

Clearance to Close

You move in with confidence, knowing every detail was handled by a partner who has your back.

About Garrett

Your Advocate in a Complex Market

In the mortgage world, most people are treated like a file number. If you don't fit into a neat little box, you get a "no." I founded GLuas Mortgage because I believe every Californian deserves a fair shot at homeownership.

I specialize in the complex cases — the entrepreneurs, the debt-heavy, and the first-timers — because those are the people who need a partner, not just a processor.

I don't just shop for the lowest rate — I build a Mortgage Wealth Strategy that helps you grow your net worth and secure your financial future long after the papers are signed.

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Personal Attention

You work directly with me — not a call center.

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Wide Product Access

Conventional, Gov't, Specialized Mortgage Programs & more.

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Future Planning

Help for buyers who aren't quite ready yet.

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Debt Management

Strategies to reduce obligations & save more.