Brighter Closing Credit Program

Save on closing costs today and set up your financial future for tomorrow.

Your closing costs, lightened.

Buying a home comes with a lot of moving pieces, and the financial pressure can feel real. The Brighter Closing Credit Program from Luminate Bank gives you a simple way to reduce what you bring to the closing table while you set up your financial future with a banking partner who stays with you long after move-in.

Why choose Luminate Bank?

When you’re making one of the biggest financial decisions of your life, you deserve a partner who’s clear, supportive, and genuinely invested in your future.

With Luminate Bank, you get:

Three figures connected by lines, representing a network or relationship.

An easier, more connected banking experience

Three people with three stars above them.

A team that makes complex moments feel simple

Two figures, one assisting another up a rocky incline to reach a star.

Encouraging guidance, not jargon or pressure

Hand holding three people under an arch, symbolizing care or support.

Support that extends beyond closing and into your financial future

Why This Matters During Your Homebuying Journey

Closing costs hit at the exact moment your savings are stretched the most. Even a small boost can create breathing room and peace of mind.

  • Immediate savings on what you owe at closing
  • A smoother, more connected banking experience
  • A trusted team that supports you through every step of your homebuying journey


Your mortgage team introduces the offer once you’re approved, and they’ll guide you so everything is ready by closing. It’s simple, clear, and designed to make this moment easier for you.

What You Get with Brighter Closing:

Open a qualifying deposit account before closing, and you’ll get:


  • $400 closing cost credit with a $2,500 deposit
  • $1,000 closing cost credit with a $100,000 deposit


By opening your account now, you’re not just reducing your closing costs; you’re starting a long-term banking relationship built around your goals, your financial growth, and your next chapter as a homeowner.

How You Save:

The Process Is Simple

Here’s what it looks like:

Your Loan Officer introduces the offer during the post-approval, pre-closing stage.

You open your Luminate Bank deposit account using the path that works best for you (online, guided, or with a banker).

Fund the account with the qualifying amount.

Your closing cost credit is applied automatically at closing.

No hoops to jump through. No extra stress added to your plate.

Save at Closing. Strengthen Your Financial Future.

A few minutes today can make your closing day feel lighter and give you a banking partner that stays with you long after the keys are in your hand.

Brighter Closing Credit Disclaimer

Up to $400 lender credit provided for new Luminate Bank checking accounts opened with a minimum opening deposit of $2,500. Up to $1,000 lender credit provided for new checking accounts opened with a minimum opening deposit of $100,000 or more. Checking account must be opened and funded at least 5 business days prior to mortgage loan closing. The Lender Credit applies to new loan fees only. Must request the Lender Credit at the time of application. Lender Credit is not available on construction loans, bridge loans, or HELOCs, and availability is subject to change without notice. Lender’s credit is subject to loan program minimum contribution requirements, and actual lender credit applied may not exceed maximum allowable credit based on existing credits and applicable fees. Cannot be combined with any other offer and is limited to one lender credit per customer. Offer not redeemable for cash. Additional limitations may apply. Offer may be discontinued at any time at the sole discretion of Luminate Bank. 

 

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, rate,s 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. Equal Housing Lender. Member FDIC.

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