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What’s Ahead for the Housing Market in 2025?

By webadmin • July 24, 2025
Whether you're buying, selling, or just staying informed, we have a few insights on what experts are saying about home prices, mortgage rates, and what it all means for your next move.
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Could a Multi-Generational Home Help You Afford Homeownership?

By webadmin • July 16, 2025
Multi-generational living isn’t just a passing trend but is instead becoming a go-to strategy for today’s homebuyers. So what’s fueling this shift? In one word: affordability.
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Luminate Bank Powers $90K Investment into Housing in Action to Advance Housing Equity

By webadmin • July 15, 2025
Through a Strategic 3:1 Match with FHLB Des Moines, This Grant Supports Long-Term Solutions for Underserved Communities
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Luminate Bank Strengthens Safety Net for Families in Crisis with $90K Grant to Spare Key

By webadmin • July 15, 2025
Funding Partnership with FHLB Des Moines Helps Spare Key Keep Families Housed During Medical Emergencies
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Big Credit Score Changes Could Help You Qualify for a Mortgage

By webadmin • July 10, 2025
In a move aimed at increasing access to homeownership and lowering costs, the Federal Housing Finance Agency (FHFA) announced that Fannie Mae and Freddie Mac will now accept the VantageScore 4.0 credit model, effective immediately.
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Your Home, Your Way: Construction Loans That Fit You

By webadmin • July 3, 2025
Whether you’re crafting your forever home from the ground up or adding your personal touch to a brand-new build, our construction loan products are designed to keep your path clear, your process simple, and your confidence high.

"I truly appreciated how easy they made it. Highly recommend working with them if you want a smooth and stress-free banking experience!"

"Not only did we work with one of the kindest humans we've ever met, but they also made the process so easy to understand and truly kept us from ever feeling overwhelmed."

"I have never seen a loan officer work so hard and diligently to get a transaction of urgency closed in less than 30 days, start to finish, after other lenders rejected the file."

"... they definitely went above and beyond to ensure we bought a home that we love and at a reasonable price."

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