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
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.
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!
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.
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.
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.
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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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.”