Let Luminate be your go-to resource with our mortgage toolbox.

>>> Whether you're facing cash offers, waiving an appraisal, or looking to buy before you sell, we're here to help you build the strongest offer possible.


READY TO STRENGTHEN YOUR OFFER?

>> GET A FULL CREDIT APPROVAL




  • Pre-Qualification: An informal, verbal review​

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  • Pre-Approval: Verifying your credit, income, and assets​

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  • Full Credit Approval: A mortgage underwriter completes a formal review of your financial documentation​.



Unlock Your True Potential with a  Full Credit Approval:


  • Provides the seller increased confidence in your eligibility.​


  • Gives you leverage against cash offers, offers with a large down payment, or equal offers that have only been pre-approved.​


  • Get fully approved by an underwriter, subject to an appraisal. ​




WORRIED ABOUT WAIVING YOUR APPRAISAL?

>> MEET VALUE ASSURANCE

  • Value Assurance gives you an estimate of the property’s value upfront using Automated Value Technology (AVMs), so if your appraisal comes in low, there's no need to worry.


  • We honor that Value Assurance amount for underwriting, so you can bid with more confidence, knowing your financing is protected.


  • Waive your appraisal with zero risk, knowing that the appraised value has zero effect on your mortgage terms.


  • Works great with our Full Credit Approval!



NAVIGATING A SALES CONTINGENCY?

>> BUY NOW, SELL LATER

Home Sale Assured


  • Future-proof your move with Home Sale Assured.


  • Offers you the option—not the obligation—to sell their home to Home Sale Assured. 


  • Home Sale Assured’s Guaranteed Backup Contract (GBC) keeps the home under contract while allowing you to accept higher offers. You are free to cancel the GBC within 90 days after closing on their new home.


Bridge Loans


  • Bridge loans help you access equity on your current property to use for a down payment/ closing costs on a new property. ​




>> Mortgage Calculators

Have you ever been curious about what your monthly mortgage payment might be on a future home? Check out our great mortgage calculator tool to help start the conversation about homeownership!


*This calculator is for informational purposes only and may not be accurate. This is not a loan pre-qualification or pre-approval nor a commitment to lend. Additional fees such as HOA dues or Condo assessments are not included in the calculation.  All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only.  Contact a financial professional for full details.