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Refinance & equity
Refinancing, cash-out refinancing, debt consolidation, HELOCs, and home equity loans.
Programs placed
- Home equity
- HELOC
- Bank statement
- DSCR
- Investment
- Non-QM
- Jumbo
- Construction
- Renovation
- Reverse
- Conventional
- FHA
- VA
Bea Kissinger, Executive Branch Manager at Lumin Lending
Meet Bea
Mortgage strategy, made personal.
I’m an Executive Branch Manager at Lumin Lending, and I believe financing should feel personal. Whether you’re refinancing, accessing equity, consolidating debt, financing an investment property, or purchasing, I’ll help you find the structure that fits your goals.
Bea Kissinger
Executive Branch Manager, Lumin Lending · NMLS #2707566
- Direct
- 949-506-6824
- linkedin.com/
in/ beakissinger - Office
- 18201 Von Karman Ave, Suite 800, Irvine, CA 92612
- This card
- Save to your phone
Run the numbers: estimate your payment
Run the numbers
What are you working on?
Two minutes, four questions, and an estimate at the end. Nothing here asks for a Social Security number and nothing pulls your credit.
Interactive Mortgage Calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Lumin Lending Inc. is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not factored in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Lumin Lending Inc. does not guarantee any of the information obtained by this calculator.
Figures in this section are estimates built from example rates, not a quote, a rate lock or an offer of credit. Pricing effective 2026-11-05. Verify NMLS #2707566.
What clients say
The part I cannot write myself.
“Thank you so much! I really appreciate all your help, patience, and persistence in getting this loan across the finish line. You made the entire process much easier for me, and I always felt that you were genuinely looking out for my best interests.”
“I genuinely do not know how to adequately explain how incredible Bea was throughout this entire process. She navigated us every step of the way with unbelievable warmth, knowledge, and dedication.”
“Bea was amazing to work with for my husband and I’s first refi. Being so green to this we really appreciated her guidance and transparency. She was honest, had our best interest and took care of us like it was her own refi.”
Verified reviews on Experience.com.
Read all reviewsWhat I do
Financing built around your goals.
02
Invest & specialty
Investment properties, DSCR, bank statement, self-employed, construction, renovation, reverse mortgage, and non-QM financing.
03
Purchase
Primary residences, second homes, and new construction, including conventional, FHA, VA, and jumbo financing.
Where to start
Not sure which loan makes sense?
Purchase, refinance, home equity, investment, or something a little more complicated, I’ll help you compare your options and figure out what makes sense for your goals.
How it works
With you from application to closing and beyond.
01
Tell me your goals
We talk about what you want to accomplish and what matters most.
02
Compare your options
I shop more than a hundred lenders to find the options that fit your situation.
03
Choose your strategy
We review the rate, payment, costs, and trade-offs together.
04
I handle the details
I stay with you from application through closing and beyond. No getting passed around.
Where I am licensed
11 states, and growing.
- Arizona
- California
- Colorado
- Florida
- Idaho
- Michigan
- Ohio
- Oregon
- Tennessee
- Texas
- Washington
Questions
What people ask first.
Start with a conversation. Once I understand your goals and situation, I’ll let you know exactly what I need.
Every loan is different. Once I understand your financing needs, property, and timeline, I can give you a realistic idea of what to expect.
Absolutely. I work with traditional and alternative income documentation, including bank statement programs.
No. You’ll work directly with me from strategy through closing and beyond.
Get in touch
Start with a conversation.
Tell me what you’re looking to accomplish. I’ll help you understand your options and what makes sense for your situation.
Prefer to skip ahead? Start an application on Lumin Lending’s system, or call or text 949-506-6824.