Lighting Your Pathway to Homeownership


When you're ready to buy, we're ready to help.

Dave Cook headshot

With over 20 years of experience in the mortgage industry, helping people achieve their real estate goals has always been my passion.


I’ve had the privilege of guiding thousands of clients through this exciting journey, and I’m honored to be a part of Luminate Home Loans—a team dedicated to unlocking your full financial potential.



Why Choose Me as Your Guide?

I know the mortgage process can feel overwhelming, but it doesn’t have to be. I take the time to educate and answer your questions about credit scores, rates, closing costs, and more. By understanding your unique needs and goals, I can help you make decisions that align with your financial future. After all, getting a mortgage is a big deal—it’s not just another transaction.

> DIVERSE PORTFOLIO

Our home loan options are as diverse as our community.

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I want to...

BUY A HOME

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I'm a...

FIRST-TIME HOMEBUYER

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VETERAN

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The back of a van is filled with cardboard boxes.

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REFINANCE

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I need...

DOWN PAYMENT ASSISTANCE

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I want to...

BUY A HOME

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I'm a...

FIRST-TIME HOMEBUYER

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I'm a...

VETERAN

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I want to...

REFINANCE

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A woman and a little girl are sitting on a couch holding a piggy bank.

I want to...

BUY A HOME

Learn More

I'm a...

FIRST-TIME HOMEBUYER

Learn More

I'm a...

VETERAN

Learn More

I want to...

REFINANCE

Learn More

I need...

DOWN PAYMENT ASSISTANCE

Learn More
> GUIDE TO THE LOAN PROCECSS

Let’s find the path to your new home—it’s a short one.

Buying a home is one of life’s biggest milestones,  but it shouldn’t feel overwhelming. With Luminate and our simple, four-step process, we make it as smooth and transparent as possible.

Tell me about your goals.

Let’s start by discussing your homeownership dreams and timeline. Together, we’ll find the loan option that fits your needs and sets you up for success.

Complete your application.

Gather your financial details and fill out your loan application to begin the pre-approval process. I’ll be here to answer any questions along the way.

Get pre-approved.

Once your application and credit are reviewed, you’ll receive a pre-approval letter, giving you the confidence to start your home search.

Find your home.

Armed with your pre-approval letter and budget, it’s time to explore the market and find the home that’s perfect for you. I’ll be cheering you on every step of the way!

Your new home is waiting. Let's get you in there.

Talk to a Loan Expert
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