Larisa Lutes

21 Miller Alley Suite 210, PASADENA CA 91103

Get to know me

25-year mortgage professional and Co-Founder of Verity Financial Group, helping clients secure smart, flexible financing solutions aligned with their goals. Scotsman Guide Top Originator (2020–2024) and LA Real Estate All-Star (2023). Known for clear communication, creative problem-solving, and a client-first approach. Experienced in working with self-employed and complex income borrowers as well as first time homebuyers and real estate investors.

My experience

Licensed in:

California

Loan Products:

Adjustable-Rate Mortgages (ARM)

Conforming Loans

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

Years of experience:

Brokerage info

What you can expect from me.

Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.

Where and how do you typically connect with clients?

I begin with a 45-minute phone consultation to get to know my clients, understand their goals, and build a personalized financing strategy.

What should clients expect when working with you from start to finish?

Clients can expect clear communication, thoughtful guidance, and a partner who’s fully invested in helping them reach their goals. We are happy when you are.

How do you provide rate quotes for clients who want to protect their credit score?

We begin with a soft credit pull - no impact to your score - while still getting a complete picture. Mortgage inquiries are scored differently from the checks used by most apps and banks.

How do you feel about clients starting the conversation before they’re ready to purchase?

We strongly encourage early conversations. It allows us to build a strategy, address any obstacles, and ensure you’re fully prepared when you’re ready to move forward.