Your One-Stop Shop for Reverse Mortgage Lending

Reverse mortgage solutions designed to help brokers expand their reach and empower more homeowners with flexible retirement options.

Why partner with Luminate Bank?

When it comes to reverse mortgages, experience matters, and so does partnership. At Luminate Bank, we make it simple to add reverse mortgages to your portfolio with dedicated support, competitive pricing, and fast answers from a team that truly understands this unique product line.


Our Reverse Division is built around what brokers need most: clarity, confidence, and consistency. We take the time to understand each borrower’s goals, structure the loan to fit their situation, and provide you with the communication and service you deserve from start to finish.

Reverse Programs

We make reverse mortgage lending easy, efficient, and profitable for brokers.



With Luminate Bank’s full suite of reverse options, you can help older homeowners unlock equity, eliminate monthly payments, and live more comfortably in retirement.

  • HECM (Home Equity Conversion Mortgage) – FHA-insured reverse mortgage with flexible payout options.
  • Jumbo Reverse – Designed for high-value homes exceeding FHA limits.
  • Refinance Reverse – Help existing reverse borrowers access additional equity or better terms.
  • Purchase Reverse – Empower senior clients to buy their next home with no monthly mortgage payment.

How to Get Started

  1. Get Approved – Submit your “simple” broker application package to the team at simplereverseteam@goluminate.com for fast onboarding with our Reverse Division.
  2. Pre-Qualify Your Customer – Access the SimpleApp at www.gosimplereverse.com to quickly pre-qualify for your customer for a reverse mortgage.
  3. Structure the Deal – Connect with our Reverse Lending Team for product selection, scenario support and closing guidance.

Pricing & Guidelines

  • Live Pricing – Connect with a member of the SimpleReverse team to get access to rate sheets, loan limits, and current program details.
  • Not Sure Where to Start? Reach out to the team at simplereverseteam@goluminate.com and one of our Sales Specialists will review your situation and respond with tailored options and next steps.

Connect with your Reverse Lending team!

Tell us about your borrower and how we can help. Our dedicated wholesale reverse specialists will reach out quickly with options, pricing, or next steps to keep your deal moving.

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