Big News! We’re Becoming Luminate Bank—Here’s What It Means for You

February 16, 2025

Big News! We’re Becoming Luminate Bank®—Here’s What It Means for You

Here at Luminate Home Loans, we’re always looking for ways to offer more value to our clients and partners. We’ve been a wholly owned subsidiary of Luminate Bank® for some time, but we’re now so thrilled to share the next step in our journey. Soon, we’ll officially transition to become a division of Luminate Bank®, opening the door to even greater opportunities.
What does this mean for you? In short: more flexibility, more resources, and more opportunities to help your clients achieve their financial goals. As part of a full-service bank, we’re expanding the ways we can serve you and your clients, all while maintaining the expertise and personalized service you’ve come to trust.

The Benefits of Being Part of Luminate Bank®

By becoming Luminate Bank®, we can offer a broader range of financial solutions designed to meet the diverse needs of today’s homebuyers and homeowners. Here’s how this transition benefits you and your clients:

Radiant Savings & Brighter Checking

We’re not just focused on mortgages anymore. As part of a bank, your clients will have access to competitive savings account rates and simple, accessible checking accounts. These products are designed to help them grow their wealth and manage their finances with ease.

Portfolio Lending for Unique Needs

With Luminate Bank®’s ability to hold loans on our balance sheet, we can craft flexible solutions for even the most complex scenarios. Whether it’s creative financing for non-warrantable condos or loans for mixed-use properties, we have options to fit unique situations.

Exclusive Loan Products

We’re excited to bring your clients access to exclusive lending solutions, including:
  • Doctor Loans: Up to 100% financing with no mortgage insurance.
  • Bridge Loans: Making it easier for clients to transition between homes.
  • Cross-Collateralization Loans: Helping clients leverage their assets for new opportunities.

Diverse Property Types, One Partner

From second homes and investment properties to multi-family units and commercial real estate, we can help finance a wide variety of property types—all in one place.

Simplified Financial Solutions

Being part of a bank means we’re your one-stop solution for financial needs. From mortgages to everyday banking to wealth-building tools, we’re here to support your clients every step of the way.

What This Means for You

For our referral partners, this transition is an opportunity to stand out. By working with us, you’ll give your clients access to a wider array of financial solutions while positioning yourself as a trusted expert who can deliver more.
We’re excited about what’s ahead and how this new chapter with Luminate Bank® will allow us to serve you even better.

Let’s Work Together

If you’re ready to learn more about how our expanded resources can help your clients (and your business) thrive, let’s connect! Together, we’ll create brighter paths to financial success for the people you serve.

By webadmin March 27, 2025
Spring kicks off real estate’s busiest season. As more homebuyers enter the market, the competition ramps up—so being prepared from the start gives you a real advantage. If you’re planning to buy a home this spring, getting pre-approved for a mortgage before you start shopping can help you stand out and move fast when it counts.
By webadmin March 20, 2025
If you're like many homeowners, you've probably noticed the buzz around home equity lines of credit (HELOCs) lately. So, why are more homeowners turning to HELOCs, and how can you use one to strengthen your financial future? Let’s dive in.
By webadmin March 12, 2025
Can I really afford this? What if something breaks? What if my job situation changes? First things first: take a deep breath. Every first-time homebuyer has these thoughts. It’s part of the process. The key is to focus on what you can control and set yourself up for success. Here’s how.
By webadmin March 6, 2025
If you're in the market for a home, don’t overlook the possibility of buying new construction. With an increase in newly built homes available, you have more choices than usual—and that comes with some pretty compelling advantages.
By webadmin February 27, 2025
Spring is bringing a fresh wave of home listings—finally! If you’ve been searching for the right home, this season could be your best chance yet. But what about affordability? With mortgage rates still hovering higher than expected, many buyers are wondering—should I jump in now or keep waiting?
By webadmin February 24, 2025
You’re not alone if you’re hoping mortgage rates will drop before buying a home. But will they? According to expert forecasts, rates are expected to decline—but not as much as many buyers were hoping for.
February 6, 2025
For years, homebuyers have been hoping for a return to the ultra-low mortgage rates seen during the pandemic. But as we move through 2025, it’s becoming increasingly clear that today’s rates—hovering between 6% and 8%—aren’t going anywhere.
Show More