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Technology Integration
Pioneered AI-driven solutions to streamline the mortgage process, becoming one of the first lenders to implement voice technology updates and automated application reviews. This innovation reduced approval times by 40% while maintaining rigorous compliance standards.
Who We Are
Closed & Sold has been proudly serving the greater Los Angeles region since 2002, establishing itself as a trusted name in the world of lending. Over the years, the agency has built a reputation for reliability, transparency, and results, helping countless individuals, families, and businesses secure the funding they need to achieve their goals. Whether it’s purchasing a dream home, expanding a business, or investing in commercial property, Closed & Sold has consistently delivered financial solutions tailored to the unique needs of its clients.
Specializing in home loans, commercial loans, business loans, and more, the company offers a comprehensive suite of lending services. Closed & Sold understands that every client’s situation is different, which is why its loan specialists work closely with borrowers to identify the best financing options available. From first-time homeowners navigating the complexities of mortgage lending to established entrepreneurs seeking capital for growth, the agency provides the tools and expertise necessary to make the process as seamless as possible.
At the heart of the company’s philosophy is its guiding slogan: “Taking Hassle Outta Funding.” This principle defines every aspect of Closed & Sold’s operations. The agency believes that securing funding should not be an overwhelming or intimidating experience. Instead, the process should be smooth, efficient, and stress-free. By streamlining paperwork, simplifying communication, and leveraging years of industry experience, Closed & Sold ensures that clients can focus on what matters most—whether that’s moving into a new home, closing a business deal, or expanding their investments.
With more than two decades of experience, Closed & Sold continues to grow alongside the diverse communities it serves in Los Angeles. Its longevity is a testament to a customer-first approach that emphasizes trust, professionalism, and results. For anyone seeking dependable loan services backed by a commitment to excellence, Closed & Sold remains the go-to partner, turning financial challenges into opportunities with ease.
Rafayel Muradyan
Founder & President, Closed & Sold Lending | NMLS #
For more than seventeen years, Rafayel Muradyan has been helping clients navigate one of life’s biggest financial decisions — homeownership. He built Closed & Sold Lendingaround a single principle: that lending should be transparent, efficient, and genuinely supportive of people’s goals.
Rafayel began his career during a volatile lending era, when outdated systems and excessive red tape left borrowers frustrated and uncertain. Instead of accepting that as normal, he turned those flaws into his mission. His vision was simple but disruptive: use technology to simplify the mortgage process without losing the human touch that trust depends on.
Under his leadership, Closed & Sold Lending has become a forward-thinking California brokerage known for precision, integrity, and results. Rafayel introduced advanced data-driven tools that streamline approvals, improve accuracy, and ensure each client receives personalized guidance from start to finish. The company’s systems are designed to do what technology does best — process and analyze — while freeing loan specialists to do what humans do best — listen, empathize, and find creative solutions.
What sets Rafayel apart is his ability to balance innovation with accountability. He’s not interested in chasing trends; he’s committed to building a lending model that lasts. Every process, from application to close, is built on compliance with California’s DRE and federal lending standards, ensuring transparency and fairness at every step.
Beyond the numbers, Rafayel sees lending as a service industry — one built on communication, clarity, and respect for each client’s story. His leadership philosophy centers on mentorship and professional growth, cultivating a team that shares his belief that excellence is non-negotiable and trust is earned daily.
Today, Closed & Sold Lending continues to grow under Rafayel’s direction, serving homeowners, investors, and partners across Los Angeles County and beyond. The company’s motto — “Taking the Hassle Outta Funding” — reflects not just a marketing line, but the daily standard he insists on delivering.
Rafayel Muradyan’s career stands as proof that innovation and integrity can coexist — that technology can simplify without replacing, and that lending, at its best, is still about people helping people reach their dreams.
Lusine Khachatryan / Chief Operating Officer
Lusine Khachatryan, Chief Operating Officer at Closed & Sold, plays a pivotal role in the company’s day-to-day operations, ensuring that every transaction and process meets the highest standards of efficiency and reliability. Her exceptional organizational acumen allows the company to maintain seamless workflows, from initial client consultations to final loan closures. Lusine’s ability to anticipate operational challenges and implement effective solutions has made her an indispensable part of Closed & Sold’s leadership team, complementing the visionary entrepreneurial skills of founder Rafayel Muradyan.
Her operational expertise is evident in the way Closed & Sold consistently delivers on its promises to clients. Lusine meticulously oversees staffing, project management, and process optimization, ensuring that each client experiences a smooth and professional journey through the lending process. Her commitment to operational excellence strengthens the company’s reputation as a trustworthy and highly capable partner for families and businesses seeking home loans or financial guidance in Southern California and beyond.
Lusine’s contribution goes beyond routine management; she fosters a culture of precision, accountability, and responsiveness within the company. By integrating innovative operational strategies with Rafayel’s visionary approach, she ensures that Closed & Sold remains agile and adaptive in a competitive lending environment. Her focus on creating efficient systems and nurturing talent within the team enhances the company’s ability to provide personalized, high-quality service to each client, reinforcing lasting relationships and client loyalty.
Ultimately, Lusine Khachatryan’s role as COO embodies the operational backbone of Closed & Sold. Her skillful management, strategic foresight, and unwavering dedication enable the company to fulfill its mission of being a reliable, irreplaceable partner for families and businesses. The synergy between her operational leadership and Rafayel Muradyan’s entrepreneurial vision continues to drive the company forward, positioning Closed & Sold as a leading and trusted presence in the Southern California lending industry and beyond.
Closed & Sold / Strategies
We combine financial expertise with innovative technology to transform the mortgage experience. Our approach bridges the gap between traditional lending relationships and modern digital convenience, ensuring our clients receive both the personal attention and technological advantages they deserve in their home financing journey.
Our Founding
Rafayel Muradyan established the company with a vision for mortgage innovation, combining their decades of industry experience to create a more client-centered lending approach. His involvement began with a simple commitment to transparency and efficiency in an industry often criticized for complexity.
Technology Integration
Pioneered AI-driven solutions to streamline the mortgage process, becoming one of the first lenders to implement voice technology updates and automated application reviews. This innovation reduced approval times by 40% while maintaining rigorous compliance standards.
Expanding Our Reach
Developed a comprehensive broker network spanning 38 states, creating strategic partnerships that extended our loan solutions to diverse communities and underserved markets. Our broker network revolutionized how partners process loans.
Today's Mission
Delivering personalized financing solutions backed by advanced technology, with a team of over 500 mortgage professionals dedicated to finding the perfect loan program for every client situation. We maintain a 98% customer satisfaction rate through our unique blend of technological efficiency and human expertise.
