Mortgage Loan Originator
NMLS #00000
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Frank Garay is a seasoned mortgage industry expert with a career spanning over three decades. He began originating mortgages in 1987, serving as a Loan Officer, Branch Manager, and Net Branch Operator. In 2009, he co-founded and co-hosted The National Real Estate Post, a widely viewed video blog in the mortgage and real estate sectors, amassing over 250,000 subscribers nationwide. Recognized for his influence, Frank was named to the Inman 100 list in 2010, highlighting him as one of the most influential people in real estate. His insights have been featured on Fox News' "After the Bell with Liz Claman," further establishing his authority in the field. Currently, Frank hosts the Loan Officer Breakfast Club, a free coaching platform for mortgage originators held via Zoom from Monday through Thursday. This platform boasts over 35,000 subscribers, 20,000+ Facebook group members, and averages 500+ live attendees per session, fostering a vibrant community dedicated to sharing strategies and best practices. In addition to his coaching endeavors, Frank is the co-owner of Lulu Capital Inc., a family-run private capital and hard money lending firm specializing in multifamily, commercial, fix-and-flip, and DSCR loans. Frank's commitment to education and innovation is evident through his hosting of several podcasts, including the Mortgage Loan Officer Podcast, aimed at empowering loan officers with strategies and actionable advice to grow their businesses. He is also a part-owner of MoveTube, a platform bringing real estate search to television, and PreApp1003, a mobile-friendly mortgage application program enhancing efficiency for mortgage professionals. Through his multifaceted roles, Frank Garay continues to be a trusted leader and innovator in the real estate and mortgage lending industries.
Lulu Capital Inc.
P.O. Box 955 Vacaville, CA 95687
P.O. Box 955 Vacaville, CA 95687
Lulu Capital Inc. is a CA DRE Licensed Corporation. DRE# 02236931. Lulu Capital Inc. only brokers Non-RESPA, Non-Owner Occupied, Investor loans on Residential, Multifamily, Commercial properties and Vacant Land. Lulu Capital Inc. does NOT broker financing for owner-occupied, or what could be perceived owner-occupied transactions.
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