About Loankea
Based in the San Francisco Bay Area, we combine fintech innovation with real estate finance know-how, serving clients coast-to-coast. Whether you’re a real estate investor, first-time homebuyer, or a business owner looking to get your best home financing, Loankea is designed for you.
What We Do
At Loankea, we specialize in a spectrum of mortgage solutions beyond the everyday:
- Investor Loans, Construction & DSCR Financing
We help real estate investors acquire, renovate, refinance, build and scale portfolios using flexible income or cash-flow-based (DSCR) underwriting or simply value-based approvals to meet all goals and opportunities. - Self-Employed & Non-W2 Borrowers
For business owners, independent contractors, freelancers, and 1099 earners, we offer bank-statement / profit-and-loss / alternative-income products that let you qualify based on your true cash flow—not just old W2s or tax returns. - First-Time Homebuyers & Primary Residence Solutions
We guide first-time buyers through the entire process with education, structure, and patience. We’ll tailor available programs and every client situations to get best possible financing on your primary homes. - Complex, Non-QM & Niche Products
When conventional underwriters say “no,” we say “tell me more.” We offer no-income verification, rehab/bridge, foreign-national, jumbo, and other niche solutions that require more flexible underwriting and creative structuring. - Refinancing, Cash-Out, and Portfolio Optimization
We optimize your debt stack, structure cash-out refinances, and help manage multiple mortgage instruments across your real estate assets to lower cost and risk over time.
Why Choose Loankea?
1. Expertise in Complexity
Other lenders shy away when your scenario isn’t textbook. Our core strength is underwriting “edge cases” using deep financial insight and creativity. We see opportunities where others see risk or struggle in financing.
2. Your Advocate, Not Just Your Lender
Your Loankea specialist is part advisor, part strategist, part underwriter. We walk you through options, explain trade-offs in clear language, and structure deals that sync with your long-term real estate goals.
3. Digital Experience + Single Team of Contact
We combine a secure, interactive client portal with real people who truly understand mortgage requirements. From instant status updates to direct conversations, we maintain transparency and accountability throughout.
4. Multiple Capital Channels & Flexibility
We’re not locked into a single capital source. Because we work with investors, private funds, institutional backers, and banks, we can shift to the right solution as markets change giving you better pricing and access.
5. Client-First Service Philosophy
We measure success not by how many loans we close, but by how many clients we empower. Our team is rewarded for client satisfaction, reliability, and integrity — never for pushing product but giving access to best solutions.
Our Story & Team
When Loankea was founded in 2020, it started from a simple belief: there are many high-potential borrowers locked out of fair financing and need quick reliable solutions. We assembled a team from banking, mortgage operations, real estate investing, tech, and wealth advisory backgrounds. Together, we built this firm to incentivize borrowers with complexity, rather than penalize them for it.
Over the years, we’ve refined systems, enhanced our underwriting playbook, and built strong relationships across the capital markets. Our team’s collective experience — measured in dozens of years — gives us perspective on interest rates, credit cycles, operational efficiencies, compliance, and deal structuring.
Discovery & Strategy
You talk to a loan strategist who understands your full picture — income, assets, goals — and outlines multiple paths.
Application & Documentation
You submit your documents via our secure portal. We’ll guide you step-by-step, customizing based on your profile.
Pre-Approval & Structuring
We issue pre-approvals or scenarios and structure your mortgage options (fixed, adjustable, hybrid, cash-out, etc.).
Underwriting & Negotiation
Behind the scenes, our underwriting team reviews, negotiates terms, and taps into our capital channels.
Closing & Fund Delivery
We coordinate title, escrow, closing docs, and final approvals. Then your loan funds.
Ongoing Monitoring & Optimization
We monitor your mortgage and market shifts. If refinancing or restructuring becomes beneficial, we’ll proactively reach out.
Our Mission & Values
Core Values:
- Client-Centered Integrity — We always act in clients’ long-term interest; transparency is non-negotiable.
- Innovative Problem Solving — We thrive in ambiguity, leveraging creativity to design financing where standard molds don’t fit.
- Accountability & Ownership — Each team member takes full responsibility for outcomes and communicates proactively.
- Adaptability & Growth Mindset — Markets evolve; we evolve. We constantly test, iterate, and adopt better processes.
- Collaboration & Trust — We leverage diverse expertise—tech, real estate, finance—to produce smarter solutions together.
Where We Lend
- Licensed States
- Business Purpose Programs Available
- Not Available