Servicing

Our goal is to provide a unique, personalized approach to the Servicing Department by providing prompt and attentive responses to any questions that our clients may have. We know that after a loan is closed there are still many questions that you may have, especially when your loan is transferred to a new servicer. We take pride in assisting customers with that transition.


We are here to support our clients to ensure a positive experience so please let us know how we may help you today!


Make A Payment

This option only available if your next payment is due within the next 10 calendar days to Luminate Home Loans and/or you received a statement from Luminate with your login credentials, click below.

Make a Mortgage Payment

Servicing

If you have received a service of transfer notice, and are not sure where to make a payment, click below and contact our servicing department.

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Qualified Written Requests:

To submit a qualified written request to Luminate Home Loans you must include your name and account number, and your reasons for the request (e.g., detail regarding information you seek related to the servicing of your loan, or statement of reasons for your belief that the account is in error) and mail the request to:


Luminate Home Loans, Inc.

Attn: Mortgage Servicing Department

2523 S. Wayzata Blvd., Suite 200

Minneapolis, MN 55405

Have a servicing question? We have the answer!

If you are unable to resolve the issue or need additional clarification, you can always reach out to us at servicing@goluminate.com and we will do our best to assist!

  • Who we are?

    At Luminate Home Loans, our mission is to unlock people's full potential through finances and provide them with clarity at every step along the way. We make lending approachable by bringing transparency and consistency to every part of the financial world - guiding people to decisions that they feel are in their best interest. It's our goal to help you feel informed and engaged at every turn. Whether you're a first-time home buyer, you're looking to refinance, or have a unique situation, we'll help you understand all the options, so you can have the home of your dreams.

  • What happens next?

    Congratulations! You are one step closer to becoming an official homeowner. Now that you have closed on your loan, you will receive a few letters confirming a couple things:


    1) The owner of your loan.

    2) Any details surrounding the servicing.


    We understand that this process may get a little confusing but no worries, we are here to help you! 


    Contact us at servicing@goluminate.com with all questions you may have.

  • When is my first payment due?

    Your first payment due is outlined within your closing documents along with a “First Payment Letter” that should be included in the copies of your documents received at closing. In addition, you will receive a billing statement prior to your first payment due that includes the details. This may be directly with Luminate Home Loans or may be with another servicing company

  • Can I make payments online?

    Online payments are dependent on the owner of your loan.  If your first payment is owed to another servicing company, the welcome package and/or billing statement will include any payment options/methods.

  • Where do I send my first payment?

    Where you send your first payment ultimately depends on the timing of when your loan closes. You will receive a letter from Luminate Home Loans servicing within 15 days of closing telling you where to send your payment, which may be directly to Luminate Home Loans or to another servicing company.

  • Who can I call to help?

    You should always reach out to the designated servicer first, as they would be the best resource.


    If you are unable to resolve the issue or need additional clarification, you can always reach out to us at servicing@goluminate.com or call 1-866-830-7156 and we will do our best to assist!

  • What does a mortgage servicing company do?

    The mortgage servicer does 3 things:



    1) It handles the collection of payments and remits to any investor/agency based on that company’s required specifications.


    2) It ensures the mortgage servicing is handled in accordance with any investor/agency guidelines that are published and can be quite lengthy. (Ex. specific government mortgage programs have guidelines for servicing that can range into the thousands of pages.)


    3) It also handles escrow disbursements to various third parties, provides billing statements and annual tax forms, as well as any collection/loss mitigation services.

  • How do I contact the company that has my loan?

    The servicing company will provide a welcome package in the mail (and possibly via email) that includes contact information and instructions for registering online. If you do not see a welcome package or lose this information, email servicing@goluminate.com for assistance.

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

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