Our Products

WE'LL TAKE YOU WHERE YOU DREAM OF GOING

Our Loan Options

Are you ready to take your mortgage business to the next level?

Here at Luminate, we're continuously growing. So while this list shows a majority of our products, know that more are always being added. If you don't see something here, just reach out to ask about it and we'll likely have a solution for you.

  • Purchase, Rate-term & Cash-out Available
  • High LTV Options (up to 89.99%)
  • Loan Amounts to $3M
  • Fixed or Arm (Amortized or Interest-only)
  • Min Fico 680+
  • Primary, 2nd Home and Investment Properties

  • Primary/2nd Homes/Investment Properties
  • Maximum loan to value 89.99% LTV
  • 45% DTI
  • No Mortgage Insurance
  • Loan amounts up to $2,000,000
  • Low Lender fees & Competitive rates

  • Single-wides* & Multi-wides
  • Built after 1976
  • Conventional, FHA, VA, and USDA

  • HELOCs (Adjustable), 1st Lien Available
  • HELOANS (Fixed)
  • Loan Amounts up to $750K
  • Up to 95% CLTV
  • Min Fico 640+

  • 90% LTV, Loan Amounts to $30M
  • Asset Qualifier
  • Bank Statement, 1099, P&L, 1-Year Self-Employed
  • Community Mortgage/No Ration
  • DSCR Investor Cash Flow - DSCR .80%+
  • Expanded/Alternative Credit Options, 575+
  • Foreign National & ITIN Borrower Eligibility
  • Interest-only options* Manual Underwriting, 50% DTI
  • Purchase, Rate-term & Cash-out Available
  • Primary, 2nd Home, or Investment Properties

  • HECM Purchase and Refinance

CONVENTIONAL CONFORMING

  • Conventional 95%
  • Standard 97%
  • High Balance
  • Lender Paid Mortgage Insurance
  • Min Fico 620+

CONVENTIONAL NON-CONFORMING

  • Purchase, Rate-term & Cash-out Available
  • High LTV Options (up to 89.99%)
  • Loan Amounts to $3M
  • Fixed or Arm (Amortized or Interest-only)
  • Min Fico 680+
  • Primary, 2nd Home and Investment Properties

  • Purchase 96.5%
  • Streamline Refi
  • Cash-Out Refi
  • High Balance
  • Min Fico 580+

VA LOANS

  • Purchase 100%
  • VA IRRRL
  • Cash Out 90%
  • Min Fico 580+

DOWN PAYMENT ASSISTANCE

  • 100% financing options
  • Available in ALL states
  • No first-time buyer or income restrictions
  • No recapture provisions
  • And more!

USDA (RURAL)

  • Purchase 101%
  • Refinance and Streamlined Assist

CONSTRUCTION LOANS

  • One-time Close
  • Fix n' Flip

RENOVATION LOANS

  • FNMA/FHLMC/FHA/VA/USDA & Portfolio

  • Primary / 2nd Homes
  • Maximum loan to value 89.99% LTV
  • Minimum loan amount $25,000
  • 45% DTI
  • 680 FICO score and above preferred
  • Low lender fees

  • Purchase transactions only
  • Buydown counts towards max seller contributions
  • Primary or second homes
  • 620 Min FICO
  • Conforming 30 Year Fixed product
  • Manufactured Homes are ineligible
  • Borrower must be qualified based off of the note rate

  • 100% Financing Option up to $1,000,000
  • Maximum loan amount of $2,000,000
  • No Mortgage Insurance
  • Purchase or Rate & Term Refinances
  • Available to medical doctors who have a minimum of M.D., D.O., D.D.S., or D.M.D. degree and an employment contract or verification of terms of employment acceptance
  • Includes Dentists, Podiatrists, Ophthalmologists, and Veterinarians

  • rimary residence
  • Maximum loan to value 89.99% LTV
  • Maximum loan amount $200,000
  • 42% DTI
  • Must be employed a minimum of 12 months in their current occupation
  • Low Lender fee

  • Flexibility and certainty when you need it most
  • Secure your dream home's purchase, even if you haven't sold your current home
  • Experience the advantage of cash offers, accepted 4x more than financed offers, potentially saving you up to 12% on the purchase price
  • Be in control of your timeline. Secure your new home, allowing you to move and prepare your old home for a sale at its full market value

WISH Grant

  • Must be a First Time Home Buyer 
  • Contribution can come from gift funds or your bank account 
  • Available for Conventional, VA and FHA financing

This option allows borrowers to lock an interest rate for 90 days*. If they don’t find a home within 60 days the lock will be canceled.

  • A $750 up front fee is due to Luminate within 3 days of the invoice
  • Upfront fee will be refunded if the loan closes
  • Available for Conventional and Government: Conforming, FHA, and USDA loans (VA loans are ineligible) 
  • Must have a Luminate Lightspeed Approval to be eligible for the Lock while you shop product
  • Currently available in Minnesota, Wisconsin, Colorado, New Hampshire, Kansas, Florida, and Missouri
  • Ability to extend past 90 days, terms and additional lock extension costs may apply

Description Title

  • Available for conventional fixed-rate and government products for new construction loans
  • Allows borrowers to lock an interest rate for a period up to 360 days
  • Allows for flexibility of a float down option that may be exercised within 30 days of closing
  • Requires an upfront refundable fee

Buying and selling a home is a major life event. Luminate Lightspeed is a fantastic tool to take some of the stress away for both buyers and sellers.


  • If Luminate is unable to close your loan by the contract date, we will issue a $15,000 check to the seller of the subject property
  • Loan MUST close on the date of the original purchase contract

Dream big, because we have the products to back you.

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