While many loan officers only have experience originating loans, Luis knows the entire financing process inside and out. He can take an application, complete processing, work with underwriting, fulfill conditions and submit loans for funding. For a time, he even audited his own files. Today, the Loan Officer and leader of the Carranza Group uses this immense experience to expertly move his transactions along, meet deadlines and pro-actively troubleshoot potential challenges.

Known for his persistence and ability to think outside the box, Luis attributes much of his success to product knowledge. Having worked at both large banking institutions and boutique brokerages, he has a talent for assembling creative financing solutions and connections to dozens of private investors. Reviews from numerous Real Estate Agents reiterate his gift for finding niche programs and qualifying buyers with unique needs.

Luis entered the banking industry immediately out of college and quickly stood out for his exceptional performance and success in promotional contests. Two decades later, he continues to receive honors for production and excellence in service. Though if you asked Luis he would tell you that the greatest honor is knowing he has helped a thousand San Diegans achieve their dream of home ownership. In 2017, Luis joined forces with PrimeLending. Combined with Luis’ natural ability to demystify the financing process, borrowers are rewarded with a smooth transaction and a mortgage that serves their best interest.