

Kelvin Luo
General Mortgage Capital Corporation

GMCC is one of the fastest growing direct lenders in California. We specialize in JUMBO programs (from $200k up to $20m), with an in-house LOCAL underwriting, doc and funding, for extremely efficient turnaround times.
Location & Business Hours
Business Hours
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
Sat
9 AM to 5 PM
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Reviews from Web
Kelvin is awesome!! He professionally communicated my refinance options, navigated through the questions I had, so as a result I now pay 2 times more toward principal!
Kelvin Luo has received a review with 5 star rating from Huayi F
Reply from Owner
September 16th, 2026 06:17 PM
Thank you so much for the wonderful 5-star review, Huayi! It was truly a pleasure helping you through this journey. I really appreciate your trust and support, and I hope you enjoy every moment in your beautiful new home. Wishing you lots of...
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and responsive. Able to complete the mortgage application with very tight timeline
Kelvin is awsome! He professionally communicated my refinancing options, helped navigating through these options and other questions I had during the refinancing process. As a result, I am absolutely happy since I am now saving money and putting...
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Reply from Kelvin Luo
September 15th, 2026 05:27 PM
Albert, thank you so much for your kind words and for taking the time to share your experience. I truly appreciate your trust and respect throughout the refinancing process. I’m very glad I was able to help you understand your options, answer...
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Great job,Clear explanation
Reply from Kelvin Luo
September 15th, 2026 05:28 PM
Xuanyu, thank you so much for your kind review! I truly appreciate your trust and am glad that my explanation was clear and helpful. It was a pleasure working with you, and I sincerely appreciate the opportunity to assist you. May your new...
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Always give me fast response whenever if it is his working time or not. Simple, clear, supportive.
Reply from Kelvin Luo
September 15th, 2026 05:03 PM
Thank you so much, Wei, for your kind words and the 5-star review! It was a pleasure working with you throughout the loan process. I’m glad I was able to make the experience simple, clear, and supportive. I truly appreciate your trust and am...
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Kelvin Luo has received a review with 5 star rating from Chen J
Reply from Owner
September 15th, 2026 05:04 PM
Thank you so much, Chen, for your 5-star review! I truly appreciate your trust and support. It was a pleasure working with you, and I’m glad I could make the loan process smooth, clear, and stress-free. Please don’t hesitate to reach out anytime...
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Nice and quick
Reply from Kelvin Luo
September 15th, 2026 05:04 PM
Thank you, Bill! I really appreciate your feedback. I’m glad I could make the process quick and smooth for you. It was a pleasure working with you!
Kelvin is very supportive during the process and responded to our questions rapidly.
Reply from Kelvin Luo
September 15th, 2026 05:06 PM
Thank you so much, Guanyao, for your kind words! I’m very glad I could support you throughout the process and respond to your questions quickly. It was a pleasure working with you, and I truly appreciate your trust and support. May your new...
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Kelvin Luo has received a review with 5 star rating from Toshio N
Reply from Owner
September 15th, 2026 05:06 PM
Thank you so much, Toshio, for your 5-star review! I truly appreciate your trust and support. It was a pleasure working with you, and I’m glad I could help make the process smooth and positive. Wishing you and your family many years of happiness...
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About
GMCC is one of the fastest growing direct lenders in California. We specialize in JUMBO programs (from $200k up to $20m), with an in-house LOCAL underwriting, doc and funding, for extremely efficient turnaround times.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Mortgage Refinance
Specialities
Mortgage
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Positions
- General Mortgage Capital Corporation - Loan OfficerMay 1st, 2023 - Current
Memberships
- NMLS # 1403108
Addresses and Serving Areas
Primary Serving Area
Year Started
2014
Time Zone
Pacific Standard Time (PST)
Licenses
- Washington License # CL-134871
- Colorado License # 100536250
- NMLS # 1403108
Disclaimer
N/A