Are you ready for a clear direction in lending?

Our Core Values

Honesty, integrity, and kindness—that’s how we approach mortgage lending. Our team is always looking out for your best interest because we treat you as an individual, not just as a number.


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.

We focus on people.


We wouldn’t be who we are without people like you. Your character counts because it helps us learn and grow together. That’s why it’s our goal to open financial doors for everyone.

We grow from the fire within.


Here at Luminate, we are passionate people. The heart and soul of our team are centralized on being the guiding light for individuals like yourself so that we can grow together. We truly want our passion to help elevate you on your financial journey.

We radiate through consistency.


Stay humble, work hard—that’s one of our mottos here at Luminate. Our approach is to provide reliable customer service for everyone, giving you that peace of mind that comes with consistency.

We strive for clarity.


Reputation is at our core. By having respect for others and ourselves, we always bring a straightforward approach to your finances. The more clarity we provide, the more comfortable you’ll be.

The path to your new home. (It's pretty short)

Tell us about you.

Don't be shy! The first step is talk through your goals and timing, so that together we can decide which loan option is the best fit for you.

Fill out the application.

Gather your financial deets and complete your loan application to start the pre-approval process. We're always here if you have questions.

Get pre-approved.

Once you application and credit report have been reviewed, you will receive a pre-approval letter so you can get out there and start your home search.

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!



You've got options.

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.

Let's Talk
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