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
218 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
218+
Number of Lenders
12420+
1818+
Loan officers
What makes us
different?
Comprehensive rate comparisons across multiple lenders
Provide customized,
real-time rate quotes
Immediate notification of any market rate movement

Lenders
Other Brokers
Fast funding,
easy application.
Get your loan today!
Quick Loans, Anytime, Anywhere!
