Big News! We’re Becoming Luminate Bank—Here’s What It Means for You
webadmin • 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.
We’re excited about what’s ahead and how this new chapter with Luminate Bank® will allow us to serve you even better.
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.
Let’s be real—2024 wasn’t exactly the year of easy homebuying. Between rollercoaster mortgage rates, low housing supply, and rising prices, it made perfect sense that nearly 70% of buyers hit pause on their plans.
From first-time homebuyers looking to stop renting to seasoned investors expanding their portfolios, real estate offers powerful advantages over the stock market—especially in 2025. Let’s take a closer look at why now is the time to make your move.
At Luminate Bank, we believe knowledge is power, especially when it comes to your financial decisions. Let’s take a look at how tariffs are creating a “perfect storm” for the housing market — and what that means for you.
