Lighting Your Pathway to Homeownership


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

For more than 26 years, Luminate Home Loans has helped thousands of families find a home. Let us help to illuminate the path to your homebuying journey.

DIVERSE PORTFOLIO

Our home loan options are as diverse as our community.

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BUY A HOME

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FIRST-TIME HOMEBUYER

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VETERAN

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REFINANCE

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DOWN PAYMENT ASSISTANCE

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I want to...

BUY A HOME

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I'm a...

FIRST-TIME HOMEBUYER

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I'm a...

VETERAN

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I want to...

REFINANCE

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A woman and a little girl are sitting on a couch holding a piggy bank.

I want to...

BUY A HOME

Learn More

I'm a...

FIRST-TIME HOMEBUYER

Learn More

I'm a...

VETERAN

Learn More

I want to...

REFINANCE

Learn More

I need...

DOWN PAYMENT ASSISTANCE

Learn More
GUIDE TO THE LOAN PROCECSS

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

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

ABOUT LUMINATE

Who we are here at Luminate Home Loans.

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Get to Know Our Diverse Team

At Luminate, we brings decade of experience to the table. Our team of mortgage experts 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.

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Making a Difference in our Community

While Luminate has several offices located across the united states, our neighbors are important to us. The people we serve are diverse—just like our communities—which is why our team takes so much time to give back as much as we can, and in whatever way we can. Check out some of our past events and work we've done in our communities across the nation.

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We Can Help You in 49 States

Where we're from is important to us, and while Luminate started in Minnesota, we have offices and team members all across the country! We have 18+ total branches (and still growing), and have employees spread around in every single time zone in the US. Want to get in touch with a specific office? Check out our contact info for our branches to learn more.

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

Talk to a Loan Expert
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