Holly Luca

2195 Tully Road, SAN JOSE CA 95122

Get to know me

I help homebuyers in TX, FL, and IA get approved the right way—no fluff, no surprises. I specialize in first-time buyers, VA loans, self-employed income, and investors. You’ll get honest guidance, clear numbers, and a lender who tells it like it is.

My experience

Licensed in:

Florida

Iowa

Texas

Loan Products:

Conventional Loans

Fannie Mae

FHA

Fixed-Rate Mortgages

Freddie Mac

Ginnie Mae

Jumbo Loans

Non-Conforming Loans

USDA

Years of experience:

Languages spoken:

English

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.

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

Clients can expect clear communication, honest guidance, and a smooth, organized process from start to finish. We begin with a full review of your goals, credit, income, and options—so you understand.

What documents do your clients need to start the process?

To get started, I typically need income documents, recent pay stubs or tax returns, bank statements, photo ID, and permission to review credit.

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

I provide rate estimates using a score the client provides along with a full financial snapshot when possible.

How do you support clients looking to improve their credit before applying?

I review your credit report, identify what’s impacting your score, and create a clear, step-by-step plan to improve it—so you move forward at the right time with better options and terms.

What are your typical fees or lender costs?

Fees vary by loan type and scenario, but I review all lender costs, third-party fees, and options upfront so you understand the full picture—no hidden charges or surprises at closing.