Build, Buy, Renovate or Refinance with Confidence
flexible mortgage solutions - including construction, renovation, FHA, VA and conventional financing Options
>> Mortgage Products Available
Find the Right Mortgage Solution for Your Homeownership Goals
Whether you're building a new home, purchasing, renovating, or exploring specialized financing options, our lending team can help you understand which eligible loan products may fit your needs.
Construction-to-Perm - One-Time Close
- FHA Construction-to-Perm
- VA Construction-to-Perm
- Conventional Construction-to-Perm
Agency Non-Construction Loans
- Conventional
- FHA
- VA
- USDA
EDown Payment Assistance Loans
- Available for qualifying agency loan programs and borrower scenarios
Non-QM
- To be identified
Renovation Loans
- Fannie Mae HomeStyle Renovation
- Freddie Mac CHOICERenovation
- FHA 203(k) Full & Limited
Why Partner with Luminate
Expanded support for construction and renovation lending
One-time-close options for qualified borrowers
Agency, government, DPA, renovation, and select Non-QM flexibility
Experienced mortgage operations and product guidance
A lending partner focused on clear communication and smooth execution
frequently asked questions
What is a construction-to-permanent (C2P) loan?
A construction-to-permanent loan allows qualified borrowers to finance the construction of a new home and convert to a permanent mortgage with a single closing process.
What types of homes can be financed?
Eligible programs may support primary residences, new construction homes, existing home purchases, and renovation projects, depending on the loan product and borrower qualifications.
What loan programs are available?
Eligible loan options may include:
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Construction-to-permanent loans
- Renovation loans
- Eligible down payment assistance programs
- Select Non-QM loan products
Are renovation projects eligible for financing?
Yes. Eligible renovation loan programs may include:
- Fannie Mae HomeStyle Renovation
- Freddie Mac CHOICERenovation
- FHA 203(k) Full
- FHA 203(k) Limited
How do I get started?
Simply contact our team to discuss your home financing goals. We’ll help guide you through available options, eligibility requirements, and next steps.
How the Process works
Process & Underwrite
Documentation, disclosures, and underwriting move through the established workflow.
We're Ready When You Are
Have 10 minutes? That’s enough for a first conversation. Bring your questions, I’ll bring straight answers.
About Lumi
Personable guidance. Clear answers. A smoother path to your next chapter.
I believe retirement should feel confident, not complicated. Whether you want to remove your monthly mortgage payment, set up a standby line of credit for flexibility, or fund home improvements, I’ll walk you through your options;
no pressure, just clarity.
“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”
Qaiser
“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”
Evan
“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”
Joan
