Home loan options that work for everyone.

First-time homebuyer? Looking to refinance? Another unique situation? Let's get you into the home of your dreams.

Our goal is to make lending simple and stress-free.

We’re here to ensure you never feel lost or unsure when it comes to finding the right home loan. That’s why we offer a variety of clear, illuminated pathways to guide you toward the best fit for your needs.

Whether you’re a first-time homebuyer or working to overcome credit challenges, our mission is to empower individuals like you and help unlock your full potential through smart financial solutions.

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Conventional Loans

A conventional loan is a mortgage that is not guaranteed or insured by any government agency, making it a little bit challenging to qualify for. But because this loan isn’t backed by the government, it often tends to be more flexible as far as properties you can choose from, fees, and loan structures available.

If you have a good credit score and the cash to put down, here are some of the benefits from a conventional home loan:

As little as 3% down payment
No private mortgage insurance (PMI) is required with 20% or more down
Mortgage insurance can be removed after reaching 20% equity or paying down to 78% loan to value
And more!

FHA Loans

An FHA loan is a mortgage issued by federally qualified lenders and insured by the Federal Housing Administration (FHA). FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment or have a less than ideal credit score. As a result, this loan option is much easier to qualify for.

If you’re thinking that this loan option may be right for you, check out a few of the benefits as well:

As little as 3.5% down payment
Credit scores as low as 580
Allows higher debt to income percentage, which allows for a higher purchase price
Down Payment Assistance Programs available

VA Loans

A VA loan is a mortgage loan in the United States that is guaranteed by the U.S. Department of Veterans Affairs. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

This is a great loan option for veterans for many reasons, but here are just a few:

A 0% down payment
No monthly mortgage insurance
Veterans that are considered at least 10% disabled by the Veterans Administration are exempt from VA Funding Fee
Discounted closing fees

USDA Loans

A USDA loan—also known as the USDA Rural Development Guaranteed Housing Loan Program—is a mortgage loan option offered to rural property owners by the United States Department of Agriculture. This loan option is great for anyone living in the rural areas of the United States that have a lower income.

Why could a USDA loan be a great option for you? If you are below the income limits required for your county, you could benefit from:

A 0% down payment
Reduced mortgage insurance premiums
Below market mortgage rates
And more!

Jumbo Loans

A jumbo loan is a mortgage loan that's used for properties that go above the federal mortgage limits set by Fannie Mae & Freddie Mac. These loans are designed to finance properties that are much more expensive than the average home, so the criteria to qualify for them are much more strict as well.

Here are a few benefits of our jumbo loan program:

90% loans with as little as 10% down with no PMI
30, 20, and 15-year fixed programs
Interest-only and ARM programs
Projected income with signed job offer/contract acceptable if starting within 60 days of closing (great for relocation clients)

Reverse Mortgages

A Reverse Mortgage—also known as a Home Equity Conversion Mortgage (HECM)—is a loan option offered to homeowners aged 62 and older by the Federal Housing Administration (FHA). This loan option is ideal for seniors looking to access the equity in their homes without the requirement of monthly mortgage payments.

Why could a Reverse Mortgage be a great option for you? If you are of eligible age and have significant equity in your home, you could benefit from:

Access to a portion of your home's equity as cash,
No monthly mortgage payments as long as the home is your primary residence and you meet your loan obligations,
Flexible disbursement options—lump sum, monthly payments, or a line of credit,
And more!

Non-QM Loans

A Non-QM (Non-Qualified Mortgage) loan is a flexible mortgage solution designed for borrowers who may not meet the strict requirements of traditional loan programs. These loans are ideal for individuals with unique income situations, credit histories, or property types, offering tailored options to help them achieve their homeownership or investment goals. Here are a few benefits of our Non-QM loan program:

90% LTV, loan amounts up to $30M
Asset Qualifier options
Bank Statement, 1099, P&L, and 1-Year Self-Employed income verification
Community Mortgage with no debt-to-income ratio requirement
DSCR Investor Cash Flow options starting at .80%+
Expanded credit options for scores as low as 575
Foreign National & ITIN borrower eligibility
Interest-only options and manual underwriting up to 50% DTI
Financing available for primary, second homes, and investment properties
Purchase, rate-term, and cash-out refinance options available

8,236+ Clients

Served in 2023

4.9 Star

Average Rating

40,994 Reviews

And Counting

21 Days

Average Loan Start to Close

Still unsure about your next step as a homebuyer?

That’s okay—because our team is here to help guide you every step of the way. We don’t want you to feel left out in the dark, but instead to have complete clarity and transparency throughout your entire loan process.

Here at Luminate Home Loans, we truly believe in our mission and core values. We focus on people like you because we understand that character does count. We stay humble and work hard so that the lending process stays approachable and transparent every step of the way.

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

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201 Columbine St.

Suite 300

Denver, CO 80206