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(Open now)
Sat
9 AM to 5 PM
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Reviews from Web
This is my first time applying for house mortgage. Kelvin was able to explain everything to me patiently. He is always reachable by the phone. I really glad he was able to offer my a good rate and transparent with all the fees i need to pay....
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Reply from Kelvin Luo
October 26th, 2025 12:13 AM
Thank you so much, Jialiang! I truly appreciate your kind words and the trust you placed in me throughout your first home-buying experience. As a first-time buyer, it’s completely normal to have many questions, and I’m really glad I could walk...
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Kelvin Luo has received a review with 5 star rating from Daniel J
Reply from Owner
October 26th, 2025 12:14 AM
Thank you so much, Daniel J., for the 5-star review! I truly appreciate your trust and the opportunity to help with your financing needs. Providing clear guidance, transparent options, and prompt communication is always my goal, and I’m glad...
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Kelvin was available all the time and he kept us informed
Reply from Kelvin Luo
October 26th, 2025 12:15 AM
Thank you so much, Daniel! I truly appreciate your kind words and the trust you placed in me throughout your refinance process. I’m very glad we were able to complete your cash-out refinance smoothly and close within just three weeks. It was...
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Kelvin Luo has received a review with 5 star rating from Jinwen L
Reply from Owner
October 26th, 2025 12:16 AM
Thank you so much, Jinwen, for the wonderful 5-star review! I truly appreciate your trust and confidence in allowing me to assist with your refinance. I’m very happy that we were able to lock in a low interest rate, help you save money, and...
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Kelvin's service is great and he always responds to our messages shortly and gives us useful suggestions.
Reply from Kelvin Luo
October 26th, 2025 12:18 AM
Thank you so much, Jinwen! I really appreciate your trust and kind words. I’m glad my quick responses and suggestions helped make your refinance smooth and hassle-free. It was a pleasure securing you a great rate and helping you save money....
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Kevin's professional service and patience make us feel at ease and trust
Reply from Kelvin Luo
October 26th, 2025 12:18 AM
Thank you so much, Huimin! I truly appreciate your kind words and the trust you placed in me throughout the process. I’m very glad my professional service and patience helped make everything smooth and stress-free for you. It was a pleasure...
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He is professional, patient and knowledgeable. Communication was smooth, every question I had was answered clearly and promptly. He explained the details about the loan details and the company he is working for.
Reply from Owner
October 25th, 2025 12:00 AM
Thank you so much, Gin! I truly appreciate your kind words and the trust you placed in me throughout the process. I’m glad my explanations and communication helped make everything clear and straightforward for you. Providing transparent information...
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My second time refinance with Kelvin. Very good rate, efficient process(closed within 2 weeks). Most important thing he really helped me out for my special case. He is someone who I can trust and find a way to benefit both Parties, not just...
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Reply from Owner
October 26th, 2025 12:21 AM
Thank you so much, Susy! I’m truly grateful for your continued trust and for giving me the opportunity to work with you again. It means a lot that you chose to come back for your second refinance. I’m so glad we were able to secure a great...
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My second time refinance with Kelvin. Very good rate, efficient process(closed within 2 weeks). Most important thing he really helped me out for my special case. He is someone who I can trust and find a way to benefit both Parties, not just...
read more
Reply from Kelvin Luo
October 26th, 2025 12:21 AM
Thank you so much, Qinqin! I’m truly grateful for your continued trust and for coming back for your second refinance. I’m so glad we secured a great rate, closed within two weeks, and found a solution that fit your special situation. It means...
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Prompt communication and white glove service
Reply from Kelvin Luo
October 26th, 2025 12:23 AM
Thank you so much, Kim! I truly appreciate your kind words and continued trust. It’s been a real pleasure working with you—from helping with your home purchase last year to recently completing your refinance. I’m very glad we were able to lower...
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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