Preferred Partner · Home Loans

Christina
Luna

Neighborhood Loans NMLS #222469 Corpus Christi, TX

More than 25 years of mortgage experience and a Scotsman Guide Top 1% record. Christina helps first-time buyers, investors, and self-employed clients across North and South Texas find financing that fits their goals, and she works in both English and Spanish.

Start Your Pre-Approval Estimate A Payment
Christina Luna, Mortgage Loan Originator at Neighborhood Loans
Christina Luna Neighborhood Loans
First-Time Buyers Down Payment Assistance FHA · VA · USDA Loans Conventional Financing Renovation & Construction Self-Employed Programs Investor & Vacation Homes Bilingual · English & Spanish First-Time Buyers Down Payment Assistance FHA · VA · USDA Loans Conventional Financing Renovation & Construction Self-Employed Programs Investor & Vacation Homes Bilingual · English & Spanish
Christina Luna, Neighborhood Loans

“I take the time to explain every option and build the right path forward for each client.”

Christina Luna
Meet Your Lender

Twenty-five years of
mortgage experience.

Christina Luna brings more than 25 years of mortgage experience, along with the knowledge, creativity, and personal attention buyers need to feel confident at every step. She is recognised as a Scotsman Guide Top 1% mortgage professional and has helped families throughout North Texas and South Texas find financing built around their goals, not just their loan application.

She specialises in first-time homebuyers, down payment assistance, FHA, VA, USDA, conventional, renovation, construction, self-employed, vacation home, investor, and specialty loan programs. Bilingual in English and Spanish, she proudly serves families in both languages across the Coastal Bend and beyond.

What sets Christina apart is her commitment to being accessible, honest, and proactive. She explains every option, creates a clear plan, and works closely with each client and real estate partner to prevent surprises and keep the transaction moving. Whether you are buying your first home, upgrading, investing, or unsure where to begin, she will help you understand your options and build the right path forward.

25+ yrs Mortgage Experience
Top 1% Scotsman Guide
Bilingual English & Spanish
Loan Programs

A program for almost
every kind of buyer.

Twenty-five years in the business means Christina has a solution for situations that stop other lenders — first-time buyers, self-employed income, renovation and construction, and specialty programs. She explains the options in plain language and builds a clear plan around your goals.

First-time buyers

Clear, patient guidance for buyers purchasing their first home, including help understanding every step of the process.

  • Down payment assistance programs
  • Pre-approval before you shop
  • Plain-language explanation of options

Government loans

FHA, VA, and USDA financing for buyers who qualify, with lower down payment options and flexible guidelines.

  • FHA low down payment loans
  • VA loans for eligible veterans
  • USDA rural financing

Investor & vacation homes

Financing for second homes, vacation properties, and investment purchases along the coast and beyond.

  • Investment loan structures
  • Vacation and second-home programs
  • How rental income is treated

Renovation & construction

Programs that finance the home and the work together, for buyers purchasing a project or building new.

  • Renovation loan programs
  • Construction financing
  • Conventional and specialty options

Self-employed buyers

Twenty-five years of experience structuring loans for business owners and self-employed income that other lenders struggle with.

  • Self-employed income programs
  • Creative qualifying solutions
  • Documentation reviewed up front

Bilingual service & agents

Christina serves English and Spanish speaking families, and gives real estate partners a lender who communicates proactively.

  • Full service in English & Spanish
  • Proactive updates for agents
  • Direct line to your lender
What To Expect

From first call
to closing day.

The mortgage process runs in a set order. Here is what each stage looks like and what Christina needs from you at each point.

01

Talk it through

A conversation about the property you have in mind, your timeline, and the budget you are comfortable with. No application required to start.

02

Get pre-approved

You submit income, asset, and credit documentation. Christina reviews it against loan guidelines and issues a pre-approval you can shop with.

03

Go under contract

Once your offer is accepted, the file moves into processing and underwriting. Appraisal, title, and insurance are ordered and tracked.

04

Close and move in

Final approval, closing disclosure, and signing. Christina stays available afterwards for refinancing questions and future purchases.

Run The Numbers

Estimate your full
monthly payment.

Principal and interest is only part of what you pay each month. Adjust the figures below to see taxes, insurance, HOA dues, and mortgage insurance included in the total.

Your Numbers
$
$
%
%
%
$
$
%
Estimated Monthly Payment
Total each month
$0

Loan amount $0 over 30 years

  • Principal & interest $0
  • Property taxes $0
  • Home insurance $0
  • HOA dues $0
  • Mortgage insurance $0
Total interest paid $0
Total of all payments $0
Payoff date —
Loan-to-value 0%

Estimates only. Actual rates, taxes, insurance, and mortgage insurance vary by property, credit profile, and loan program. Contact Christina for figures specific to your situation.

Get Real Numbers From Christina
Start The Conversation

Let's get you
pre-approved.

Send your details through and Christina will be in touch to talk about your purchase, your timeline, and the financing that fits. If you would rather talk first, her direct line is below. Complimentary consultations and personalised pre-approval guidance are available.

Christina Luna, Mortgage Loan Originator at Neighborhood Loans
Christina Luna Neighborhood Loans · NMLS #222469

Based in Corpus Christi, serving English and Spanish speaking families across North and South Texas.

Contact Christina Luna

Share a few details and Christina will follow up directly. Your information goes straight to her.

Secure Submission
NMLS #222469

Christina Luna (NMLS #222469) is a licensed mortgage loan originator with Neighborhood Loans, Inc. (NMLS ID #222982). All loan programs, rates, terms, and conditions are subject to credit approval, property appraisal, and applicable underwriting guidelines, and may change without notice. This page is not a commitment to lend. Verify licensing at nmlsconsumeraccess.org. Christina Luna and Neighborhood Loans, Inc. are independent of Mel Sells Island Life.