Looking for your next homebuying option?
The Luminate Team is ready to help.
First, let's get you on the right path.
As a homebuyer, you likely know that the home buying process can be daunting. Oftentimes, even the thought of purchasing a new home can turn people away from looking into their home loan options. But no matter how far along in the buying process you are, our team is ready to help.
Let Luminate shed some light on your journey and make the home loan process that much easier.
First-Time Homebuyers
Are you a first-time homebuyer looking to start the homebuying journey? Do you have no idea where to start, or maybe even what questions to ask? Don’t stress—Luminate has you covered.
Since 1998, our team has been working with first-time homeowners just like yourself. We work hard to get you the best interest rates and mortgage rates possible, and always keep your priorities in mind. You won’t hear any gimmicks or sales pitches from us, because we want to respect your time and make the process as clear as possible.
Down Payment Assistance
When you’re making a large purchase like a home, you always want to make sure you have your investment covered. If you are feeling the financial strain of such a big purchase, you may want to consider looking into down payment assistance.
Our team can help set you up for success by going over some options of down payment assistance programs that may be available to you. So instead of stressing about whether or not your down payment percentage is high enough, let’s try and ease those worries with help from Luminate Home Loans.
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!
Refinancing can help alleviate upgrade costs, help you consolidate debt, or even lower your mortgage rate. Talk to one of our team members today to see what we can do for you!
8,236+ Clients
Served in 2023
4.9 Star
Average Rating
40,994 Reviews
And Counting
21 Days
Average Loan Start to Close
Still unsure about your next step as a homebuyer?
Get in touch with our team, and we’ll be happy to answer any questions you may have. Trust us—there’s no such thing as “too many questions”—we want you to have complete clarity and transparency throughout the entire home buying process.
Here at Luminate Home Loans, we truly believe in our mission and core values. We focus on people like you because we understand that character does count. We stay humble and work hard so that the lending process stays approachable and transparent every step of the way.
Your new home is waiting. Let's get you in there.
Luminate Home Loans, Inc. a wholly owned subsidiary of Luminate Bank
NOTICE TO TEXAS CONSUMERS: 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.”