Lake Tahoe Home Financing

Lake Tahoe's
Mortgage Expert.
Local Knowledge.
Great Rates.

As an independent mortgage broker, we have access to wholesale pricing with dozens of lenders — so you save more. Whether you're buying your first home, a vacation property, or an investment, we'll guide you every step of the way.

Independent Broker — Wholesale Rates
FHA · VA · Jumbo · DSCR · Non-QM
First Home · Vacation · Investment
NMLS #134718 · 2,000+ Loans Closed
Free, No Obligation Consultation
No commitment · No application fee

🔒 Secure & confidential · We never sell your information

Or apply directly online ↗
By submitting you agree to be contacted by a Luna Lending loan officer. We never sell your information.
🔒 Secure & private
⭐ 4.9 · 340+ reviews
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You're all set!
Aaron or a member of the Luna Lending team will reach out within 1 business hour.

What happens next:
1. A quick 15-min call to understand your goals
2. We shop dozens of lenders for the best rate
3. You receive your pre-approval letter

Can't wait? Call Aaron directly: 530-314-9544
5.0★
Average Google rating
20+ years
Mortgage experience
Client Reviews

Real Tahoe buyers, real results

See what our clients are saying on Google.

Your Loan Officer

Meet Aaron — Lake Tahoe's trusted mortgage expert

Aaron Hinson has been originating mortgages since 2005 and has closed over 2,000 loans. He moved to Lake Tahoe in 2017 because of everything he loves about it — and named his company after his dog Luna, a black lab mix and the best co-worker a man could ask for.

As an independent mortgage broker, Aaron has access to wholesale pricing from dozens of lenders — rates you simply can't get at a retail bank. Whether it's a first home, vacation cabin, lakefront estate, or an investment property, he'll find the right loan and get it closed fast.

That's what Luna Love means — caring about your clients, fighting for the best rate, and making the process as smooth and pleasant as possible.

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Direct line
530-314-9544
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Office
3079 Harrison Ave #10, South Lake Tahoe, CA
Aaron, Luna Lending loan officer
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Wholesale rates, not retail
As an independent broker we access wholesale pricing from dozens of lenders — rates banks simply can't match.
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Super Fast Underwriting
Our streamlined process means faster approvals, faster closings, and you winning offers in the competitive Tahoe market.
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One Loan Officer, Start to Finish
You work directly with Aaron — not a call center. He's available nights and weekends because Tahoe deals don't wait.
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Deep local expertise
Aaron lives here. He knows Tahoe's unique regulations, appraisal challenges, and seasonal market dynamics inside and out.
Loan Programs

The right loan for your Tahoe home

Every loan type that works for Lake Tahoe buyers — first home, vacation cabin, lakefront estate, or investment property.

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Conventional
Fixed or adjustable rates. Best for buyers with strong credit — primary, vacation, or investment.
Down: 5% min · Credit: 620+
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FHA Loan
Lower down payment and flexible credit. Ideal for first-time Tahoe buyers.
Down: 3.5% min · Credit: 580+
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VA Loan
Zero down for eligible veterans and active military. No PMI — ever.
Down: $0 · Veterans & active duty
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Jumbo Loan
Flexible financing for Tahoe luxury and lakefront properties above conforming limits.
Loans above $766,550 · Tahoe specialty
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Vacation Home
Specialized financing for second homes and Tahoe vacation properties. Great rates for part-time residents.
Down: 10% min · Primary not required
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DSCR / Non-QM
Investor loans based on rental income, bank statements, or debt service coverage — no W-2 required.
For investors · STR & LTR eligible
Simple Process

Our simple 4-step process

We handle the complexity so you can focus on finding the right home.

01
Schedule a consultation
Book a phone call, screen share, or in-office meeting at a time that works for you.
02
Complete your application
Our quick, secure online application takes just minutes — no paper, no hassle.
03
Receive your options
We shop dozens of wholesale lenders and present the best loan options for your unique situation.
04
Choose & close
Pick the loan that fits you best and close in as little as 21 days — stress-free.
Tahoe Mortgage Broker

Local knowledge. Great rates.

Luna Lending — Tahoe Mortgage Broker

Ready to buy in Lake Tahoe?

Schedule a call, screen share, or in-office meeting — we'd love to hear about your home buying goals.

Apply Online Now → Schedule a Consultation
Call or text Aaron directly: 530-314-9544 · [email protected]