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Have a question about what happens during the mortgage underwriting process? Want to learn more about the history of mortgages in America? Or maybe you just want to see some of our latest news and updates? If so, you've come to the right place!


At Luminate Home Loans, we make it our priority to guide you through the best financial decisions, all with your interest in mind. It’s our goal to help you feel informed and engaged throughout the entire lending process. In addition, we want to inform all of our clients and potential clients every step of the way. It's why we have a blog like this! Let us light the way to homeownership for you.


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Look Beyond Rates: The Keys to Picking the Right Mortgage Lender

By Luminate Marketing Team • September 5, 2023
Look Beyond Rates: The Keys to Picking the Right Mortgage Lender

Warren Buffett and Goldman Sachs Do Not Think Home Prices Will Fall - What Are They Seeing?

By Luminate Marketing Team • August 28, 2023
Warren Buffett and Goldman Sachs Do Not Think Home Prices Will Fall - What Are They Seeing?

Debunking the 3 Most Common Myths About the 2023 Housing Market

By Luminate Marketing Team • August 21, 2023
Constantly changing headlines and predictions make the 2023 housing market extremely challenging to navigate. Unfortunately, the number of misconceptions about buying, selling and owning a home has never been higher. According to a recent survey by Fannie Mae, 82% of people believe it’s a bad time to buy a home.

5 Ways Trying to "Time" the Housing Market Could Cost You

By Luminate Marketing Team • August 14, 2023
If you're a renter who's ready to own a home, or a homeowner who’s decided your current house no longer fits your needs, the desire to wait for home prices and interest rates to drop significantly is strong. It MUST happen, right? It happened in 2007 and 2020, so it has to happen again!
Realtor showing house to client

Pending Home Sales: Another Sign of a Strong Housing Market

By Luminate Marketing Team • August 7, 2023
Last week, the National Association of Realtors (NAR) released a summary of pending home sales data. The report shows that pending home sales rose 0.3% from May to June, which was stronger than previous estimates of a 0.5% drop.
Family dancing in living room

How to Beat High Rates with a 2-1 Buydown

By Luminate Marketing Team • July 31, 2023
Here’s everything you need to know about using a 2-1 buydown strategy to lower your interest rate and make your monthly mortgage payment more manageable.

Luminate Home Loans Soars to #48 in the 2023 Top Overall Lenders List

By Luminate Enterprise Team • July 24, 2023
With an astounding total volume of $2,724,339,060 and 6,921 closed loans, Luminate Home Loans has showcased its ability to thrive in the dynamic and ever-evolving mortgage lending landscape. This outstanding accomplishment would not have been possible without the combined efforts and collaborative spirit of our exceptional team.
Hands holding calculator

Will Waiting to Buy a Home Actually Save You Money? Let's Look at the Numbers

By Luminate Enterprise Team • July 24, 2023
One of the things we hear almost daily from the homebuyers we work with is, "I hear that rates might be coming down, and I think I should wait." But while current interest rates might not be as enticing as they were two years ago and are expected to fall as the economy goes through a correction, that doesn't necessarily mean you should wait to buy a home.

Housing Is on a Roll! Home Values Up, Mortgage Rates Down

By Luminate Enterprise Team • July 17, 2023
Recent reports from CoreLogic, Black Knight, and Zillow confirm that in many areas of the country, home price cooldowns were just mild corrections. Not only that, but many of the new numbers have eclipsed the ones we saw at the peak of the market in June of 2022.
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