Lighting your path to home ownership.


When you're ready to buy, we're ready to help.

Finding a home should be as simple as flipping on a switch.


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.

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Our home loan options are as diverse as our community.

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.

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Conventional Loans

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.

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FHA Loans

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.

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VA Loans

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!

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USDA Loans

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.

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Down Payment Assistance

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.

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Refinancing

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!

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Let’s find the path to your new home—it’s a short one.

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.

Tell us about you.

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.

Fill out the application.

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.

Get pre-approved.

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!

Start shopping.

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.

Apply Online Now!

Our Recognitions


Who we are here at Luminate Home Loans


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.

Get in Touch

Your new home is waiting. Let's get you in there.

Talk to a Loan Expert
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