Find your way home with Luminate lighting the path.

Explore various mortgage options like FHA, VA, USDA, and conventional loans. Get pre-approved, use our mortgage calculators, and read our blog. Contact us today!

Kimberly Renquest, Senior Loan Officer

Luminate Bank

Phone: (303) 883-4628

Email: [email protected]

NMLS# 1290080

Company NMLS# 1281698

Licensed in: AK, AL, CT, DE, AZ, DC, AR, FL, CA, GA, CO, HI, ID, LA, MS, NJ, OK, SD, VA, WA, TN, OR, NM, MO, ME, IL, IN, MD, MT, NY, PA, TX, WV, WI, UT, NC, NE, MA, IA, KS, KY, MN, MI, NV, NH, OH, ND, RI, SC, VT, WY

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

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    Explore various mortgage options like FHA, VA, USDA, and conventional loans. Get pre-approved, use our mortgage calculators, and read our blog. Contact us today!

    Find your way home with Luminate lighting the path.

    Loan Options

    Getting Pre-Approved

    Additional Documentation

    Mortgage Calculators

    Ready to get started?

    Ready to make your homeownership dreams a reality? We're here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment to making the process smooth and clear.

    We don't want you to feel like you're wandering in the dark when it comes to finding the right home loan for you. That's why we have so many illuminated loan paths for you to go down!

    Between loan options for first-time homebuyers or those looking to refinance, it's our mission to elevate individuals like yourself and help you to unlock your full potential through finances.

    Explore

    Getting pre-approved for a mortgage is an exciting first step in the home-buying journey! Not only does it show sellers that you're a serious buyer, but it also gives you a clear idea of your budget and financial readiness. To help the pre-approval process go as smoothly and quickly as possible, gather the following essential documents:

    Additionally, depending on your situation, we may need some extra documentation, such as:

    Having these documents ready can save time and make the pre-approval process much simpler for everyone involved! If you have any questions about these requirements or if other documents may apply to your situation, feel free to reach out—we're here to help every step of the way.

    Tools

    Have you ever been curious about what your monthly mortgage payment might be on a future home? Check out our mortgage tools, including a temporary buydown calculator for 3-2-1, 2-1, 1-1, and 1-0 structures.

    *These calculators are for informational purposes only and may not be accurate. This is not a loan pre-qualification or pre-approval nor a commitment to lend. Additional fees such as HOA dues or condo assessments are not included. Rates, taxes, insurance, mortgage insurance, and buydown costs are estimates and should be used for comparison only. Contact a financial professional for full details.

    We've been helping people like you achieve their homeownership dreams for over 25 years. Let's find the right loan for you today.

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    CONTACT

    NMLS#

    [email protected]

    (303) 883-4628 Mobile

    (720) 740-0567 Office

    Luminate Bank. All rights reserved.

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