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.
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.
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.
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?
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.
Here at Luminate Home Loans, we’re always looking for ways to offer more value to our clients and partners. That’s why we’re thrilled to announce that we’re now a wholly owned subsidiary of Luminate Bank®—and soon, we’ll officially transition under the Luminate Bank® name.
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.
