

Jason Ayres
Executive Branch Manager


UC Santa Barbara
With over 30 years of combined experience, our founders bring unparalleled expertise to guide you through every step of your mortgage journey.
Location & Business Hours
Business Hours
Fri
8 AM to 5 PM
Sat
closed
Sun
closed
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Reviews from Web
Jason was diligent and informative. He found the perfect product for my needs. Thanks!
Jason was super helpful. I had a lot of questions and he helped me understand the answers.
Jason made the experience of securing an HEI supportive and transparent. He shares an optimistic view and a path to achieve results. Jason's knowledge of financial practices and methods can help to improve my understanding and focus going forward....
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Jason was extremely patient with me as most everything in this process goes right over my head. He was also very pleasant and took my repeated calls no matter what time of day.
Reply from Jason Ayres
October 26th, 2026 06:00 PM
Richard, I'm pleased to hear that my patience and availability were helpful to you during the process. At Lumin Lending, I aim to make the experience as pleasant as possible for everyone involved.
We were very pleased with the service that was provided by Jason. He was very knowledgeable and very helpful during the proces. Thank you!
Reply from Jason Ayres
October 23rd, 2026 09:23 PM
Michael, I'm happy to hear you were pleased with the service I provided. At Lumin Lending, being knowledgeable and helpful is something I strive for with every client. Thank you for your kind words!
Recently we applied for a home equity with Lumin Lending and had an incredibly smooth experience from start to finish. The entire process was efficient, transparent, and completely stress-free. A huge shoutout to Jason Ayres, who kept me updated...
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Reply from Jason Ayres
October 21st, 2026 04:15 PM
Evelyn, I'm glad you had a smooth and stress-free experience with your home equity application. It was my pleasure to keep you updated throughout the process, and I'm thankful for your recommendation of the Lumin Lending team.
Jason was very responsive throughout the entire process.
Reply from Jason Ayres
October 19th, 2026 06:11 PM
Richard, I'm glad to know you found me responsive throughout the process. At Lumin Lending, ensuring a smooth experience is important to me.
Jason was great to work with. Friendly, efficient, and professional. He worked hard to find the best rate possible and communicated well every step of the way. Appreciated him so much that I recommended him to my partner and she locked in a...
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Reply from Jason Ayres
October 19th, 2026 02:44 PM
David, I'm grateful for your kind words and am pleased to hear that you found my service friendly, efficient, and professional. It's wonderful knowing that my work helped both you and your partner secure great rates. At Lumin Lending, we strive...
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Easy transaction from start to finish. Jason was quick to respond to questions and was on top of the process from beginning to end. He followed through quickly and made the whole transaction a breeze. Highly recommend!
Jason was always keeping me up to date. If I had questions he responded quickly.Hes a very kind , caring person that took all my concerns to heart.
Reply from Owner
July 22nd, 2026 12:00 AM
Thank you Marleen! Was a pleasure getting to know you!
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About
With over 30 years of combined experience, our founders bring unparalleled expertise to guide you through every step of your mortgage journey.
Products & Services
Mortgage Loan Officer
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Bridge Loans
Fixed Rate Mortgages
Adjustable Rate Mortgages
Qualified Mortgage Pre-Approvals
Non-QM
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Education
- UC Santa BarbaraEconomicsBachelor of Arts (BA)Sep 2009 -Jun 2013

Year Started
2015
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 1432666