Senior Lending Specialist, Evoque Lending

Experience You Can Trust.
Service That Feels Personal.

For more than 30 years, Lee Kulick has helped homeowners, investors, business owners, and families navigate important real estate financing decisions. As a former firefighter and the proud father of an Orange County Sheriff's Department deputy, Lee understands the commitment, sacrifice, and responsibility that come with serving the community.

Call Lee Today Explore Loan Options
Lee Kulick, Senior Lending Specialist at Evoque Lending
30+ Years Lending Experience

A Personal Connection

A Personal Connection to Those Who Serve

Lee's connection to the first responder community is personal. Before beginning his career in mortgage lending, Lee served as a firefighter. Today, his son, Ethan Kulick, serves as a deputy with the Orange County Sheriff's Department.

Lee understands that first responders often work demanding schedules, carry significant responsibilities, and may need a lending professional who is available, responsive, and willing to explain every option clearly.

Whether you are buying a home, refinancing, accessing equity, investing in real estate, or simply looking for a second opinion, Lee is available to provide straightforward guidance without pressure or obligation.

Reach Out to Lee
Lee Kulick during his years as a firefighter, wearing a County of Orange Fire Department shirt and holding his infant child
Lee during his years as a firefighter
Lee Kulick with his son Ethan Kulick, an Orange County Sheriff's Department deputy
Lee with his son Ethan, an Orange County Sheriff's Department deputy

Evoque Lending and Lee Kulick are not affiliated with, sponsored by, or endorsed by the Orange County Sheriff's Department or any government agency.

Lee Kulick, Senior Lending Specialist at Evoque Lending

About

Meet Lee Kulick

Lee Kulick is a mortgage professional with more than 30 years of experience in residential, commercial, construction, and private real estate financing.

Born in New York and raised in Orange County, Lee brings local knowledge, extensive lending experience, and a practical approach to every transaction. His background allows him to evaluate both traditional loans and more complicated situations that may require creativity, speed, or a different lending strategy.

Lee has been married to his wife, Antoinette, for more than 30 years. He is the proud father of Alexandra and Ethan Kulick, and the proud grandfather of Colson and Haven.

For Lee, lending has always been about more than rates and paperwork. It is about understanding what a client is trying to accomplish, explaining the available options honestly, and helping them make a confident decision.

0 Years Mortgage Industry Experience
Residential
and Commercial Broad Lending Expertise
Orange County Local Knowledge and Community Connection
One Trusted Contact From Initial Review Through Closing

Loan Solutions

One Experienced Resource for a Wide Range of Financing Needs

Residential Loans

  • Home purchases
  • Rate and term refinancing
  • Cash-out refinancing
  • Home equity loans
  • Home equity lines of credit
  • Conventional loans
  • FHA and VA financing
  • Jumbo loans
  • Self-employed borrower programs

Investment and Private Lending

  • Rental property financing
  • DSCR loans
  • Bridge loans
  • Private money loans
  • Fix-and-flip financing
  • Non-owner-occupied properties
  • Fast-closing opportunities
  • Difficult credit or income scenarios

Commercial and Construction

  • Commercial real estate
  • Multifamily properties
  • Construction financing
  • Development projects
  • Acquisition loans
  • Business-purpose cash-out loans
  • Short-term financing
  • Complex transactions

All programs are subject to underwriting, property, borrower, licensing, and investor requirements. Program availability may change without notice.

Why Work With Lee

Straight Answers From Someone Who Has Seen Almost Every Type of Loan

Experience

More than three decades of mortgage and real estate financing experience.

Versatility

Knowledge of residential, commercial, construction, conventional, private, and alternative lending programs.

Accessibility

Direct access to Lee by phone, text, or email throughout the process.

Honest Guidance

A practical review of the available options, including situations where refinancing or borrowing may not be the right decision.

No Pressure. No Obligation.

Already Speaking With Another Lender?

You do not have to start over to get a second opinion. Lee can review an existing loan estimate, approval, or proposed financing structure and help you understand the rate, fees, payment, cash required, and important terms. There is no obligation and no pressure to change lenders.

Ask Lee for a Second Opinion

Contact

Talk Directly With Lee

Tell Lee what you are trying to accomplish. He will review the basic details and let you know what options may be available.

Lee Kulick

Senior Lending Specialist

Evoque Lending

DRE #01233194 NMLS #375686

Preferred Contact Method

Call Text Email