Torrance Community Credit Union

Credit Union Mortgage Solutions
At Torrance Community Credit Union, our goal is to offer our members superior home loan programs with competitive rates. That’s why we have teamed up with LoanLock, one of the best mortgage lenders serving our market. Our goal is to make the home financing journey as simple as possible. LoanLock’s team of dedicated mortgage advisors will serve as your personal concierge to guide you through the home financing process. From first consultation to closing, they will keep you abreast of every loan milestone. With over a decade of funding experience and over $10 Billion in loans funded, LoanLock has the experience you need.
Message From Laura
Nobody will work harder for you than me! Clients who have trusted me have reaped the benefits of my services and expertise. I will place you with the best loan options available and be with you every step of the way. I take great pride in providing the best service possible! I appreciate every opportunity and look forward to serving you!
About Laura
A 37-year mortgage industry veteran, who serves as Senior Loan Advisor, Laura Lee has been involved in many aspects of the mortgage business. After receiving a real estate finance degree from the University of Southern California, she went to work for a mortgage broker in Orange County. Originally, she was trained as a loan processor and then as an assistant underwriter. However, after a few years of serving in the operations side of the mortgage business, she found herself wanting to work more closely with home buyers, helping them realize their dream of home ownership. As a senior loan officer, Laura Lee’s underwriting knowledge enables her to provide exceptional service to her clients. In addition, she helps guide and educate them to ensure the home financing process is smooth and efficient. This level of experience and product knowledge is vital to succeed in today’s mortgage industry and helps ensure a satisfied credit union member.
Laura Lee has spent the last 25 years of her 38 years in the mortgage business, focused on establishing and growing relationships with national and local credit unions. She is actively involved in the credit union industry and regularly attends various credit union alliances and conventions each year. This motivated Laura Lee to become a trusted resource for credit unions and help them invest in the communities which they serve. Her passion is to help credit union members and outside community to achieve the dream of home ownership using credit union financing.
Laura Lee is also the credit union connector for mortgage loans. By way of outside the box financing provided by credit unions, she has created a unique lending ability by leveraging several portfolio investors that offer an array of different products. This allows her to obtain loans for well-qualified borrowers that do not normally meet the requirements at larger institutions.
This gives her a niche that is much needed in today’s market. This is why credit unions, and other mortgage bankers, brokers, and realtors come to Laura Lee to help their clients.
Mortgage Products

Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.

FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.

VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.

Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.

Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.

ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.

2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option

HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
Are you interested in Down Payment Assistance? LoanLock offers secondary financing to help with the down payment, making home ownership more affordable.
View a link to CALHFA’s video here: https://youtu.be/FgpOrEA92KU
We have multiple programs to choose from, so give me a call to learn more!
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.
Free Rate Quote
Daniel Nghiem
Message From Daniel
“I look forward to getting you started on your mortgage journey. Whether you’re looking to purchase your first home, buy an investment property, or refinance an existing home, I can help guide you through your options. My product knowledge extends from Conventional to Jumbo, Non-QM, FHA, VA, and Down Payment Assistance programs. My clients trust me to be their dedicated resource through the process- from first consultation to close. Contact me today and let’s discuss how to best help you achieve your goals. “
About Daniel
With over 10 years of experience in the lending industry, Daniel is committed to providing exceptional service and expert guidance to clients throughout the loan process. Having worked with a diverse range of clients, he brings a deep understanding of various loan products including Conventional, FHA, VA, Jumbo, Non-QM/Non-Conforming, and Down Payment Assistance programs. This expertise allows Daniel to customize solutions that align with each client’s unique financial circumstances.
What sets Daniel apart is a genuine dedication to customer service. He believes that building long-term relationships and ensuring a smooth, stress-free experience for every client is paramount. By taking the time to thoroughly educate clients, answer their questions, and explain the options available, Daniel ensures that borrowers are informed and confident throughout the entire process.
Whether you’re purchasing your first home, refinancing, or exploring investment properties, Daniel is here to guide you every step of the way, offering personalized, hands-on service and unparalleled industry knowledge.
Mortgage Products

Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.

DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.

1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.

Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.

Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.

FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.

VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.

Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.

Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.

ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.

2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option

HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.
Free Rate Quote
Joanne Wong
Message From Joanne
“I have over 20 years of experience in lending and real estate sales, so I know the importance of smooth transactions. We’ll work together alongside your realtor to ensure your closing is a successful closing. I offer my buyers concierge services, especially first-time buyers. Let’s connect and see which loan fits your need.”
About Joanne
With 20 years of experience in lending and real estate sales, Joanne has built a reputation as a trusted mortgage advisor helping clients navigate the complexities of home financing. Throughout her career, Joanne has developed a deep understanding of the real estate market, allowing her to offer tailored mortgage solutions that meet the unique needs of buyers, investors, and homeowners.
Having worked in both lending and real estate sales, Joanne brings a unique perspective to the table, ensuring every client receives the highest level of service. Whether the client is purchasing their first home or refinancing an existing property, Joanne is known for providing personalized care.
Joanne is passionate about building long-term relationships with clients and prides herself on being a reliable resource throughout the entire home-buying process. From initial consultation to closing, she works closely with clients, realtors, and other industry professionals to ensure a smooth and successful transaction.
When she isn’t working with clients, Joanne is an active member of the community, attending local events and cultural performances. She also enjoys staying up to date with the latest trends in real estate and finance and is dedicated to continuing education and professional development.
Joanne’s commitment to excellence, coupled with her extensive experience, makes her a trusted and sought-after expert in mortgage lending.
Mortgage Products

Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.

DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.

1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.

Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.

Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.

FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.

VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.

Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.

Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.

ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.

2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option

HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.
Free Rate Quote
George Hourani
Message From George
“I have over a decade of experience in financial services, skillfully guiding my clients through complex mortgage transactions. My passion is for helping people find the right mortgage for their unique situations. I have worked with everyone from first-time homebuyers to experienced investors. One thing I find my clients appreciate is that I am their champion! I will attempt to move mountains for them, whether that’s by meeting with underwriting to push a loan forward or securing an exception. I have a large mix of mortgage programs to help you and competitive rates. I look forward to working with you to achieve your homeownership dreams!“
About George
For over a decade, George has been a go-to loan officer for clients seeking a white-glove approach to the mortgage lending process. His dedication to custom service shines through in every interaction. He focuses on the pillars of a smooth transaction- education, communication, and transparency. This way every transaction is tailored to meet individual buyers’ needs and buyers never feel “in the dark” about how their loan is progressing.
Because of his breadth of expertise, George is able to provide creative solutions to complex fundings. His knowledge base includes Conventional, FHA, VA, Jumbo, Down Payment Assistance, and Non-QM/ Non-Agency loans. This means whether you’re investing in multiple properties to grow your portfolio, or you’re hoping to buy your first home, George has the expertise to advise you on your options.
Contact George today and find out why hundreds of buyers have given him 5 stars on Zillow and many repeat customers refer to him as their lender for life!
Mortgage Products

Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.

DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.

1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.

Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.

Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.

FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.

VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.

Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.

Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.

ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.

2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option

HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.
Free Rate Quote
Jill Marinkovich
Message From Jill
“I am passionate about helping my clients achieve their financial goals! I am available to guide you along your personal home ownership journey, whether that’s purchasing a new home or refinancing your existing home. I look forward to the opportunity to serve you.”
About Jill
As a dedicated Loan Officer with a unique background as a paralegal, Jill Marinkovich brings a wealth of knowledge and expertise to the lending process. Her experience in the legal field has honed her attention to detail and ability to navigate complex regulations, ensuring that every loan transaction is smooth and compliant.
Jill is passionate about providing personalized service to each of her clients, real estate agents and peers. She believes that every financial journey is unique and takes the time to understand clients’ specific needs and goals. Her commitment to nurturing strong client relationships means that homebuyers can count on her to be there every step of the way, providing guidance and support tailored to their situation.
Whether a first-time homebuyer, seasoned investor, or looking to refinance, Jill is here to help clients achieve their financial dreams with confidence. She’s here to help make the dream of home ownership a reality!
Mortgage Products

Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.

DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.

1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.

Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.

Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.

FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.

VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.

Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.

Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.

ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.

2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option

HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.