Have mortgage questions? We have expert answers!
Whether it's your first venture into homeownership or you're considering refinancing, Angie and Shawn Gerhardson have the expertise to clarify your mortgage options. Serving a wide range of clients from Isanti, MN to Orlando, FL, the Gerhardson Mortgage Team at Luminate ensures you're well-informed at every step.
Traditional Mortgage Solutions
The dream of homeownership is alive and thriving with our traditional mortgage options, providing solid, competitive, and adaptable financial solutions.
At the Gerhardson Mortgage Team, we offer a comprehensive approach to traditional loans:
- Conventional Loans: Discover financing solutions with a variety of term lengths, down payment options, and attractive rates.
- FHA Loans: A perfect start for first-time buyers or those rebuilding credit, with minimal down payment requirements.
- VA Loans: Dedicated to veterans, active service members, and select spouses with excellent terms and zero down payment.
- Home Equity Loans & Credit Lines: Unlock the financial power of your home for improvements or debt management;
Innovative Mortgage Options
Step outside the conventional with our suite of non-traditional mortgage products designed for the unique financial landscapes of our clients.
The Gerhardson Mortgage Team is ready to guide you through:
- Balloon Loans: Manageable initial payments followed by a final lump sum, ideal for those with shorter-term residence plans.
- Adjustable-Rate Mortgages (ARMs): Start with lower rates that adjust over time, perfect for those anticipating future financial flexibility.
- Low-Doc and No-Doc Loans: Reduced paperwork loans tailored for the self-employed or those with non-traditional income streams.
- HECMs: A strategic option for clients 62+ looking to enhance their retirement finances by tapping into home equity.
Down Payment Assistance Made Simple
The path to homeownership shouldn't be hindered by the initial financial burden. The Gerhardson Mortgage Team is dedicated to facilitating accessible and affordable homeownership through Down Payment Assistance.
- Eligibility Services: We'll identify suitable programs and determine your qualifications for assistance.
- Application Process Guidance: Count on us to navigate you through all the steps, ensuring complete and compliant submissions.
- Educational Support:
Equip yourself with all the necessary knowledge to make the most of Down Payment Assistance opportunities.
Financing Your Dream Home with Bridge & Construction Loans
Whether it's bridging the gap between homes or constructing the one you've always imagined, we provide tailored financial solutions to bring your dreams to life.
- Bridge Loans: Smoothly transition into your new home with the financial flexibility that a bridge loan offers.
- Construction Loans:
From groundbreaking to housewarming, finance your build or major renovations with us.
Our Menu of Loan Products
How Our Mortgage Process Works
We’ve been helping people like you achieve their homeownership dreams for over 25 years.
This is a loan production office of Luminate Bank.
404 Whiskey Road, Suite 1
Isanti, MN 55040
Office Hours: Monday to Friday 9am to 5pm
