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Luke Frawley

Senior Home Lending Advisor
NLMS ID: 488413
Primary:
(310) 379-9517
Cellular:
(805) 452-8706
Fax:
(855) 521-0724
Connect with me:
Linkedin
Start online with Luke
About Luke
Luke proudly serves clients in the Manhattan Beach, CA area. Luke has 10 years of experience as a Senior Home Lending Advisor. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Luke is here to help you find the right mortgage to fit your needs. Starting with a review of your finances, Luke can help you get a clear picture of what might work best for you. Luke will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Luke wants to ensure that you have a positive home lending experience.
Luke's achievements
National Achievers
Loans & Products
Conventional mortgage
Jumbo Mortgage1
DreaMakerSM mortgage2
FHA mortgage3
Veterans Affairs (VA) loan4
Terms and rates
Mortgage Tools
Mortgage calculators
Affordability calculator
Homebuyer Assistance finder
Rates tool
See more tools
My reviews
See all reviews
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Recent Reviews
Krissia Zetino Siguenza
March 2, 2023
5 out of 5
This is the second transaction I have with Chase Home Lending and it's because of Luke Frawley. I was referred to Luke for a refinance and I decided to choose Chase Home Lending for my second home purchase. Luke is such a great asset to Chase, he provides so much knowledge, which earned my trust and I choose Chase over any other financial institution. He was always responsive to all my questions and had a great team to assist me to the finish line. He was very clear when explaining the process, I never felt unaware of what was happening. I was very impressed with the Chase 21 calendar day closing time frame.
Anna Hsu
October 1, 2022
5 out of 5
Luke and Stephany were both extremely helpful and efficient. The amount of information requested for the loan process was more than anticipated.
Jason Ho
July 8, 2022
5 out of 5
My wife and I had a great experience working with Chase to get a loan to buy our dream home. We would like to personally thank Luke Frawley and Stephany Bagby for all of their help with the loan. They did an incredible job and provided truly exceptional service. This is the third time that we have applied for a loan from Chase, and it has been a wonderful experience each time. We will be recommending Chase to all of our family and friends in the future!
Drew Taylor
July 5, 2022
5 out of 5
Luke Frawley and Stephanie Bagby were excellent. I have worked with them in the past and they are always very responsive. So glad I was recommended to them.
Bettina Traverso-Marini
September 22, 2022
5 out of 5
Luke and Stephanie are a great team! Thanks you guys for everything! Bettina and Joe
Facing the housing affordability crisis
Building on our existing investments, we are helping drive inclusive growth by committing $30 billion by the end of 2025 to advance economic growth and opportunity for Black, Hispanic and Latino communities
40K
Home loans
Originate additional home purchase loans for Black, Hispanic and Latino households.
100K
Affordable housing units
Finance the creation and preservation of affordable housing units in underserved communities.
1M
Improving access
Help people open low-cost checking or savings accounts.
Benefits of working with a Chase Home Lending Advisor
See how our Home Lending Advisors are ready to help you with everything from prequalification to finding the right loan, application guidance and more.
Frequently Asked Questions
When is it time to stop renting and buy a home?
How can I get information on mortgage loan options?
What documents will I need to apply for a mortgage?
What is better: a fixed or an adjustable interest rate?
Current Chase mortgage rates
Purchase
Refinance
The annual percentage rate (APR), is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary.


Purchase Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a down payment of 20%. 30 year fixed FHA based on a loan amount of $200,000 to $249,999 with a down payment of 3.5%. 30 year fixed Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a down payment of 30%. All loans assume a single family residence, purchase loan, mortgage rate lock period of 30 days and customer profile with excellent credit. See estimated monthly payments


Refinance Rates: Rates displayed in the table include approximately 1 point and are based on the following assumptions: conforming 30 year fixed, 15 year fixed, 7/6 ARM and 5/6 ARM based on a loan amount of $300,000 to $349,999 with a loan-to-value of 75%. 30 year Jumbo based on a loan amount of $1,000,000 to $1,049,999 with a loan-to-value of 70%. All loans assume a single family residence, refinance loan, mortgage rate lock period of 45 days in all states except NY which has a rate lock period of 60 days and customer profile with excellent credit. See estimated monthly payments


Depending upon your credit profile, interest-only loans are available and provide for the payment of interest only for a set period of time, and payments of principal and interest thereafter for the remainder of the loan term. While making interest-only payments, principal is not reduced. At the end of this period, your monthly payment will increase.
Chase customer shaking hands with a client
About Chase Home Lending
Whether you want to purchase a new home, refinance for a lower rate or use your home's equity for updates, we're ready to help you make it happen. You get a variety of powerful online mortgage tools and resources, a dedicated Chase Home Lending Advisor with you every step of the way and access to a personal online site for regular updates about your loan, neighborhood home sales and more.
1. Loans up to 85% of a home's value are available on a purchase or refinance with no cash back, subject to property type, a required minimum credit score and a minimum amount of monthly reserves (i.e., you must set aside enough money in reserve to make a specified number of monthly mortgage payments principal, interest, taxes, insurance and assessments after the loan closes). Product restrictions apply. Jumbo loans available up to $9.5 million. For loan amounts greater than $3MM (or $2MM for investment properties), customers must meet post-closing asset requirements to qualify. Additional restrictions may apply. Please contact a Chase Home Lending Advisor for details.
2. The DreaMaker mortgage is only available for purchase and no-cash-out refinance of a primary residence 1-4 unit property for 30-year fixed-rate terms. Income limits and homebuyer education apply on a DreaMaker mortgage.
3. FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.
4. Veterans, Servicemembers, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veteran Affairs (VA). A Certificate of Eligibility (COE) from the VA is required to document eligibility. Restrictions and limitations apply.
5. Property search is provided by HouseCanary, Inc. (HouseCanary), a licensed real estate brokerage. HouseCanary, powered by ComeHome, is not affiliated with JPMorgan Chase, N.A. (Chase). ComeHome is provided to you as a courtesy. Chase is not responsible for the real estate services and the search results provided by ComeHome. Restrictions and limitations apply to the access of Chase MyHome.
6. Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.
7. Important Notice to Servicemembers and Their Dependents: This refinance offer may not be advantageous to you if you are currently eligible for benefits provided by the Servicemembers Civil Relief Act (SCRA). If you are an SCRA-eligible customer and have questions about the SCRA or about this refinance offer, please discuss with your Home Lending Advisor. The amount you save on a refinanced mortgage may vary by loan. If a refinanced mortgage has a longer term than remains on your current loan, you will incur additional interest charges for the extended term.
8. For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.
9. The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on the interest rate, any points, and mortgage insurance for FHA loans. It does not take into account the processing fee or any other loan-specific finance charges you may be required to pay. Rates are estimated by state and actual rates may vary. Rate, points and APR may be adjusted based on several factors, including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.


Tools and calculators are provided as a courtesy to help you estimate your mortgage needs. Results shown are estimates only. Speak with a Chase Home Lending Advisor for more specific information. Message and data rates may apply from your service provider.


FHA loans require an up-front mortgage insurance premium (UFMIP), which may be financed, or paid at closing, and monthly premiums will apply.


For the Adjustable-Rate Mortgage (ARM) product, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest and payments may increase according to future index rates. The APR may increase after the loan closes.


The NMLS ID is a unique identification number that is issued by the Nationwide Mortgage Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO)


JPMorgan Chase does not offer tax advice. Please consult your tax advisor about the deductibility of interest and other charges.


All home lending products except IRRRL are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.


Home lending products provided by JPMorgan Chase Bank, N.A. Member FDIC