Kim Renquest | Luminate Bank Home Loans
Let Kim Renquest light your way home with expert mortgage guidance at Luminate Bank. Conventional, FHA, VA, and USDA loans. NMLS# 1290080.
It's not just about buying a house—it's about lighting your way home
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See How Much You Could Save
Finding a home should be as easy as flipping on a light switch—and getting a home loan shouldn't leave you searching in the dark.
Let Kim Renquest and Luminate Bank lead your path to homeownership with expert advice and strategic financial planning. I'm here to brighten the process, guiding you step-by-step so you feel confident, informed, and well-supported from start to finish.
It's a privilege to use my expertise to light up the path to your perfect mortgage, ensuring the process fits your needs and that your experience shines just as bright as the outcome.
Testimonials
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Luminate Bank's story is anything but ordinary. Its banking roots date back to 1937, but the Luminate we know today began taking shape when longtime mortgage leaders Eric Lovins and Taryn Reuter set out to build a different kind of financial organization—one centered on relationships, transparency and doing what's right for the people it serves. In 2020, Eric, Taryn and Thomas Payne acquired a Minnesota bank and mortgage company and began building the Luminate brand, a name inspired by the Latin root for "light." Their vision was simple: make complicated financial decisions clearer and create an organization where both customers and employees could thrive.
That vision has fueled remarkable growth. What began as a six-person mortgage operation has grown into a nationwide organization of more than 700 professionals, with Luminate Bank now licensed to provide mortgage financing in all 50 states. Bank assets have grown from approximately $62 million to $500 million in five years, while annual mortgage originations have grown from $22 million to more than $4 billion. Today, Luminate combines the resources, technology and lending capabilities of a major national mortgage lender with something increasingly difficult to find in financial services: experienced local professionals who know their customers and remain personally invested in their success.
And the industry has taken notice. Luminate Bank is recognized as a Top 25 national mortgage lender and was named the #1 Large Company Top Workplace in Minnesota, Colorado and New Jersey in 2026. The bank also earned two Freddie Mac Home Possible RISE Awards for Greatest Volume and Fastest Growth, while Eric Lovins and Taryn Reuter were named 2025 Mortgage Leaders of the Year by the Minnesota Mortgage Association. Those accomplishments are impressive, but they're really evidence of something bigger: Luminate has grown without losing the people-first culture that made that growth possible.
NMLS Number
Minneapolis, MN
Headquarters
Loan Programs
From first-time buyers to seasoned investors, we have a loan program designed for your unique situation. Explore our options and find the right fit.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. 100% financing available.
Financing for high-value properties that exceed conforming loan limits. Competitive rates.
Special programs and guidance for first-time buyers. Down payment assistance available.
Finance your home purchase and renovation costs in one loan. Turn a fixer-upper into your dream home.
Financing for rental properties with DSCR loans and portfolio options for real estate investors.
Alternative documentation for self-employed and non-traditional income earners.
Debt Service Coverage Ratio loans for real estate investors. Qualify based on property cash flow.
Financing for commercial real estate, office buildings, retail, and mixed-use properties.
Access your home equity with a reverse mortgage. For homeowners 62+ looking to supplement retirement income or eliminate monthly mortgage payments.
One-time and two-time close loans for building your dream home from the ground up.
For Existing Homeowners
Get a comprehensive home equity analysis powered by AI and real-time market data. Each month, receive a personalized report showing your estimated home value, equity position, neighborhood trends, and financing opportunities — delivered straight to your inbox.
Monthly insights delivered to your inbox. Powered by AI and real-time market data.
Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Kim Renquest.
We've received your request and will send your First-Time Homebuyer Guide your way shortly. We'll follow up personally if you need anything else.
Serving borrowers nationwide
No matter where you are, Kim Renquest can help you finance your next home.
First-time buyers, move-up buyers, and forever homes in any state.
Finance a lake house, beach condo, or mountain retreat anywhere.
Rental properties, DSCR loans, and portfolio options in all 50 states.
Corporate transfers, military moves, and cross-state relocations.
One-time close construction loans to build your dream home anywhere.
Lower your rate, consolidate debt, or tap equity nationwide.
The home loan process doesn't have to be scary. Our team is here to help! We've been helping people like you achieve their homeownership dreams for over 25 years.
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NMLS#
[email protected]
(303) 883-4628 Mobile
(720) 740-0567 Office
Luminate Bank. All rights reserved.
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- Conventional Loans Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%. Loan amounts up to $832,750 No PMI with 20% down Fixed & adjustable rates Learn More
- FHA Loans Government-backed loans perfect for first-time buyers with flexible credit requirements. Down payment as low as 3.5% Credit scores from 580+ Gift funds allowed Learn More
- VA Loans Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service! $0 down payment required No mortgage insurance Competitive interest rates Learn More
- USDA Loans Zero down payment loans for eligible rural and suburban homebuyers. 100% financing available. $0 down payment required For rural/suburban areas Lower mortgage insurance Learn More
- Jumbo Loans Financing for high-value properties that exceed conforming loan limits. Competitive rates. Loan amounts above $832,750 Competitive rates Flexible terms Learn More
- First-Time Homebuyer Special programs and guidance for first-time buyers. Down payment assistance available. Down payment assistance First-timer grants Flexible requirements Learn More
- Renovation Loans Finance your home purchase and renovation costs in one loan. Turn a fixer-upper into your dream home. FHA 203(k) options Purchase + renovation Based on future value Learn More