Your Path to Homeownership
Luminate Home Loans, Inc. is a Colorado-based mortgage lender providing financing solutions to homeowners, first-time buyers, and investors. We specialize in offering conventional, FHA, VA, and USDA home loans as well as jumbo and refinance options. Our experienced loan officers and knowledgeable staff are committed to providing superior customer service and competitive rates. We strive to make the home loan process as smooth and stress-free as possible. Whether you are purchasing a home or refinancing, Luminate Home Loans is here to help.
Conventional Loans
We’re here to help you live the dream of homeownership. Whether you’re a first-time home buyer or an experienced homeowner, a conventional loan is a great option. Conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.
FHA Loans
FHA loans make homeownership accessible and affordable to almost anyone. FHA loans are particularly designed to benefit buyers who do not have perfect credit or a large down payment. So, even if you feel left in the dark with options, Luminate will help light your path to potential options.
VA Loans
Did you know that being a former or active member of the military can help you get a home loan? It’s true! The VA loan is an excellent loan option that assists our Veterans in achieving their homeownership wants and needs. Talk to one of our Luminate Loan Officers today to see if you qualify!
USDA Loans
Finding the right loan can seem overwhelming. If you’re still looking for the right program to suit your needs, we have a variety of home loan options. USDA loans, for example, are great for people that live in low-population areas who typically cannot qualify for a conventional loan. Get in touch with us to see if this is the right loan choice for you.
Down Payment Assistance
Shopping for a home in a competitive market can be stressful, especially when you hear phrases like “20% down.” Luckily, our down payment assistance can help you manage some of that stress. If you’re looking for a home loan, but could use a little extra help, let’s chat. At Luminate, we strive to provide affordable home loan options for all of our clients.
Refinancing
First of all, congrats on already being a homeowner! You’ve gotten through some of the most challenging aspects of homeownership, so now you can just sit back, relax, and fully enjoy your home investment. Well, sort of—do we ever really relax as homeowners? There always seems to be some big project standing in the way. Luckily, you may be able to qualify to refinance your current mortgage!
Stacey Dowling is an approved Mortgage Expert with HOA.com and you can contact her or apply for a home loan by visiting her profile!