Does Your Lender
Work For YOU?
trust matters
At Verity Financial, our mission is to bring honesty, transparency, and genuine care to the mortgage experience. As a women-led brokerage, we put people before profits—empowering our clients with clarity, confidence, and options that truly serve their goals.
Who we are
LARISA LUTES
NMLS #367680 - CA DRE #02031156
A mortgage veteran with over 25 years of experience, Larisa Lutes has the know-how and expertise to get the job done, smoothly and efficiently. Larisa’s knowledge of mortgage guidelines enables her to be your #1 advocate throughout the loan process from pre-approval, offer acceptance to closing. Whether a first-time homebuyer or a seasoned investor, Larisa works with each client to tailor the right mortgage solution for their individual needs.
Larisa is a native Angelino, born in Hollywood and raised in Pasadena. At the University of California, Irvine, Larisa studied Russian Civilization which eventually led to an international move to Moscow, Russia. It was in Russia that Larisa honed her skills for managing multi-faceted transactions while working at Norton Rose, a British law firm specializing in corporate finance. Larisa worked on cross-border deals setting up the legal framework for foreign businesses to enter the Russian marketplace – she even assisted in bringing the very first TGIF restaurant to Moscow!
Upon her return to the US, Larisa found mortgage finance to be a natural fit for her talents. Her attention to detail allows her to structure the most complicated financial scenarios for today’s homebuyers while never forgetting that behind each transaction is a family looking to find that perfect home.
For Larisa, the best part of her job is developing close relationships with the families she serves and being a part of the team to welcome them home!
Melissa Pack Welsher
NMLS #1593775 - CA DRE #02305138
Melissa Pack Welsher is a dedicated mortgage professional committed to helping people achieve their homeownership goals with confidence and ease. With years of experience in the mortgage industry, Melissa takes pride in creating personalized financing solutions for every client — whether they’re buying their first home, refinancing to improve their financial position, or investing in real estate to build long-term wealth.
Melissa believes that the mortgage process should feel empowering, not overwhelming. Known for her transparent guidance, patience, and hands-on approach, she takes the time to truly understand each client’s story, goals, and financial situation. Her focus is on simplifying the process, offering clear communication, and delivering competitive loan options that align with each client’s unique needs.
Driven by her passion for helping others, Melissa views every mortgage as more than just a transaction — it’s an opportunity to make a lasting difference in someone’s life. She finds the greatest joy in seeing her clients achieve stability, confidence, and the pride that comes with homeownership.