Kim Renquest | Luminate Bank Home Loans

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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