When you're ready to buy, we're ready to help.
Getting a great loan shouldn’t feel like it’s you against the world. We work hard to share our knowledge and find the right home loan for you, so you’re not left out in the dark.
Here at Luminate, it’s our goal to make home loans and the home buying process as approachable as possible. We make sure that everything stays transparent and consistent throughout your home buying journey, so you don’t have to worry.
When you’re ready to unlock your full potential—we’re here for you.
One of our core values is that we focus on people—and we mean it. Character counts and we want to open financial doors for all, through homeownership. We offer so many options for home loans—not just because we can, but because we want your experience with Luminate to radiate with trust and consistency.
We’re here to help you live the dream of homeownership. Whether you’re a first-time home buyer or an experienced homeowner, a conventional loan is a great option. Conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.
FHA loans make homeownership accessible and affordable to almost anyone. FHA loans are particularly designed to benefit buyers who do not have perfect credit or a large down payment. So, even if you feel left in the dark with options, Luminate will help light your path to potential options.
Did you know that being a former or active member of the military can help you get a home loan? It’s true! The VA loan is an excellent loan option that assists our Veterans in achieving their homeownership wants and needs. Talk to one of our Luminate Loan Officers today to see if you qualify!
Finding the right loan can seem overwhelming. If you’re still looking for the right program to suit your needs, we have a variety of home loan options. USDA loans, for example, are great for people that live in low-population areas who typically cannot qualify for a conventional loan. Get in touch with us to see if this is the right loan choice for you.
Shopping for a home in a competitive market can be stressful, especially when you hear phrases like “20% down.” Luckily, our down payment assistance can help you manage some of that stress. If you’re looking for a home loan, but could use a little extra help, let’s chat. At Luminate, we strive to provide affordable home loan options for all of our clients.
First of all, congrats on already being a homeowner! You’ve gotten through some of the most challenging aspects of homeownership, so now you can just sit back, relax, and fully enjoy your home investment. Well, sort of—do we ever really relax as homeowners? There always seems to be some big project standing in the way. Luckily, you may be able to qualify to refinance your current mortgage!
There’s no wandering around in the dark when you work with Luminate. Why? Because our four-step process for home loans really is that short.
First, let’s talk through your home goals and purchase timing. That way, we can work together as we decide which loan option is the best fit for you.
Gather your financial details and complete your home loan application to start the pre-approval process. We're always a phone call away if you need help.
Once your loan application and credit report have been reviewed, you will receive a pre-approval letter to begin your home search. This is where the fun begins!
Now that you're outfitted with a pre-approval letter, your budget, and information about the loan process, you're ready to get out there and start shopping for a home.
We may have a new name, but Luminate brings decades of experience to the table. Here at Luminate, we’ve brought together a team of experts that all have the same goal in mind—getting rid of the bad habits in the home loan industry. That means complete clarity and transparency throughout every step of the home loans process, plus, no more sending things into a black hole to wait for answers.
Our team will work with you every step of the way in order to ensure you’re getting the home loan that works for you. No confusion, no waiting to understand what’s going on, but instead, a clear path to your new home.
NMLS Consumer Access #150953
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Luminate Home Loans, Inc. a wholly owned subsidiary of Luminate Bank
NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”