About Loankey.io
Loankey.io is a real estate and mortgage brokerage in Irvine, California, run by Eric Antonio Figueroa. The purpose of the business is simple enough to say in one line: make real estate and loan transactions less complicated, through straight representation, a wide range of lending products, and a process that keeps you informed.
Scope. Investor and business-purpose lending nationwide. Owner-occupied home loans in California.
Eric Antonio Figueroa
Founder and Principal Broker
- California real estate broker
- DRE #01510659
- Individual mortgage license
- NMLS #411191
Licensed since 2005. No disciplinary action on record.
What we do
We place loans. We do not fund them — we are a brokered business, which means your file goes to the lender whose program actually fits it, from a panel of 20+ lenders.
That distinction matters most to the people this brokerage is built around: self-employed borrowers, property investors, and builders. Those three groups are the ones a retail lender declines most often, and usually not because the file is weak.
At a retail lender
One rulebook
Self-employed borrowers
A profitable business with legitimate write-offs shows low income on a tax return.
Property investors
A rental that performs well still fails a debt-to-income test.
Builders
A half-built house is not a property type a bank's underwriting manual has a page for.
Declined, usually not because the file is weak.
Through this brokerage
20+ lenders
A different program, not a harder argument. That is what a brokerage is for.
The founder
Eric Antonio Figueroa
Founder and Principal Broker
Eric has spent over two decades across retail technology, real estate sales, and fintech investment platforms.
He is the broker of record on every investor financing file the business places, including the business-purpose lending brokered outside California.
20years of licensed practice
- 2005Salesperson license
- 2009Broker license
- NowLicensed, expires 07/26/2029
Member of
- NARNational Association of REALTORS®
- C.A.R.California Association of REALTORS®
The lending practice covers
Residential
- Single-family and condominium
- 2–4 units
- Multifamily of 5 units and above
Commercial
- Mixed use
- Office
- Retail
- Industrial
- Warehouse
- Automotive
- Self-storage
Construction
- From land through completion
California DREStatus, history and any disciplinary action
- Broker license
- #01510659
- Loankey.io Inc
- #02112671
No disciplinary action on record. Licensed, expires 07/26/2029.
NMLSIndividual and company records, and the states held
- Individual
- #411191
- Company
- 1509834
Why the license numbers are printed on this page
Because a client can check them, and a testimonial is not checkable.
Both numbers are above.
NMLS Consumer Access
Publishes the individual and company records, including the states in which the license is held.
The California DRE public record
Publishes the broker license, its status, its history, and any disciplinary action taken against it. There has been none.
That is a plain statement of fact rather than a claim about quality, and it is the reason it appears here. Twenty years of licensed practice with a clean state record is a thing you can confirm in about thirty seconds, before you give anyone a phone number.
What the record shows
The reviews are published on Zillow and are not reproduced here. They date from 2017–2018 and cover consumer purchase and refinance files rather than the investor programs this site leads with. They are linked because they are real, not because they evidence a DSCR loan.
How we work
Four promises, each one next to the thing that lets you check it.
The scenario analysis comes first.
Before a document package, before an appraisal, before an application. You describe the situation and you get a read on which programs are plausible and which are not — including when the answer is that none of ours fit, or that a direct lender would serve you better.
The process is published, step by step.
We say the inconvenient part out loud.
Prepayment periods, the monthly shortfall on a low-ratio property, the documentation load on a full-doc file, the properties that get more scrutiny. It is there because a borrower who finds out at closing has been failed by whoever wrote the page.
Every program page on this site carries a section called who this does not fit.
We keep the file organized.
The practice runs on CRM and digital workflows so the paperwork stays in one place.
You can be told where the file actually stands.
Reachable outside office hours.
Eric is available before and after business hours and sometimes on weekends. Posted office hours are Monday to Friday, 9:00 AM – 5:00 PM Pacific; the availability is a separate thing from the hours.
A client wrote the same thing unprompted: replies in the evening, on weekends, and early in the morning.
Where we lend
Investor and business-purpose lending nationwide. Owner-occupied home loans in California.
Nationwide
Business-purpose investor financing — DSCR, no-ratio and low-ratio DSCR, fix-and-flip, hard money, ground-up construction, mid-construction, land, and SBA 7(a) and 504 — is brokered nationwide, with Eric as broker of record.
California only
Owner-occupied home loans are California only. Consumer mortgage lending is licensed state by state, the license record is public, and this site does not claim more territory than the record supports.
Where to find us
2211 Michelson Dr, Ste 900
Irvine, CA 92612
Monday to Friday, 9:00 AM – 5:00 PM Pacific
Visits are by appointment.
Request a Scenario Analysis
Describe the property and the income picture. You will get a straight read on which programs fit before you assemble anything.
Nothing on this page or website constitutes an offer of credit, a rate quote, or a commitment to lend. All loans are arranged through third-party lenders and are subject to full application, credit approval, income/asset verification, property appraisal, and underwriting. Terms and availability are subject to change without notice. Loankey.io is a licensed real estate broker; loans are arranged, not made. Investor and business-purpose lending nationwide. Owner-occupied home loans in California.