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Man and child decorating a Christmas tree, smiling and laughing. Lit tree, ornaments, indoors.

3 Housing Market Questions Everyone’s Asking This Season

By Luminate Marketing Team • December 8, 2025

To help you feel confident this season, here are the top three housing market questions people are asking right now with clear, fact-based answers.

Black box filled with rolled Euro bills and coins. A green key hangs above the box.

Let’s Talk About 50-Year Mortgages

By Legacy Mortgage Division • November 26, 2025

Some believe that the government’s support is what made 30-year mortgages a legitimate option. But could that future be guaranteed for the 50-year mortgage?

Pennies spilling from a glass jar tied with twine on a dark surface.

No More Pennies? Here’s How the Phaseout Will Affect Cash, Banking, and Payments

By Luminate Marketing Team • November 21, 2025

The U.S. is phasing out the penny by 2026. Learn how this change affects cash transactions, banking, mortgages, and what Luminate Bank customers should expect.

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