Loan Broker · Lumin Lending · Irvine, California
Your Home.Your Terms.Our Expertise.
Sixteen years of mortgage guidance that goes past the rate sheet — end-to-end counsel built around the life you're actually financing.
Daily Webb
NMLS #1021461 · CA DRE #02320424
1,700+
Loans funded
98%
Client satisfaction
16
Years in mortgage
4.98★
99 verified reviews
“The path to your next home starts with a clear plan, confident decisions, and a lender who guides you every step of the way.”
The difference
A mortgage is a thirty-year decision. It should be treated like one.
Most brokers optimize for the closing. Daily optimizes for the decade after it — which is why his clients come back, and why their advisors call him first.
- 01
End-to-end counsel
From the first conversation to the day the keys change hands, you work with Daily — not a rotating cast of processors. Every option gets explored before one gets recommended.
- 02
A bench beyond the loan
CPAs, trust attorneys, financial advisors, credit repair. When the right answer sits outside a mortgage, Daily makes the introduction instead of selling you a product.
- 03
Built to hold up
The product you sign should still make sense in year seven. Structure, tax posture, and exit are weighed before the rate is quoted.
Loan options
Every route to the house, on one desk.
As a broker rather than a single lender, Daily shops the whole shelf — so the product is chosen for your file, not for whoever signs his paycheck.
Conventional
The workhorse. Competitive pricing for strong credit and steady income.
VA Loans
Zero down for those who served, with no monthly mortgage insurance.
Jumbo
Financing past conforming limits — routine across coastal California.
Refinance
Lower the payment, shorten the term, or pull equity out on purpose.
Bridge Loans
Buy the next one before you sell this one, without a contingency.
Non-QM
Self-employed, asset-rich, or complex income that agency guidelines miss.
Down Payment Assistance
Programs that close the gap between saved and needed.
Fixed & Adjustable
Matching the rate structure to how long you'll actually hold the home.
Commercial Real Estate
Multifamily, retail, office and mixed-use, financed from the same desk.
Small Business
Acquisition and working-capital lending for owner-operators.
Private Money
Speed and flexibility when the timeline or the file won't fit a bank.
Not sure which fits?
Talk it through→
How it goes
Three conversations, not thirty forms.
- 01
The call
Twenty minutes on where you are, what you're buying, and what you're actually optimizing for. No credit pull, no commitment.
- 02
The approval
Fully underwritten pre-approval so your offer competes on strength — not just a letter that says you asked.
- 03
The close
Daily runs the file to the finish line and stays reachable the whole way. You'll know what's happening before you have to ask.
In their words
out of 5 · 99 verified reviews
Read all on Experience.com→Every review below is left by a verified client on Experience.com — nothing hand-picked, nothing edited.
About
Daily Webb
Loan Broker · Lumin Lending
As a trusted and experienced mortgage broker, I provide holistic and tailored solutions designed to meet the unique financial goals and personal circumstances of every client.
My approach goes beyond securing a loan. I provide end to end guidance and financial counsel ensuring the financial product my clients elect supports long term financial well being.
- Based in
- Irvine, California
- Licensed
- California, Arizona, Ohio & nationwide
- Education
- University of Kansas, B.S. Business Administration
- NMLS
- 1021461
Serving buyers across California, Arizona, Ohio and nationwide from Irvine, California.
Start here
Find out what you can actually do.
A short conversation, a straight answer, and a number you can plan around. No bait and switch, no drip campaign, no bombardment of sales calls.