Our Process

Find the path to your new home. (Hint: It's pretty short.)

Eight steps is all it takes to get you into your home.

Applying for a home mortgage is one of the most significant financial decisions you'll make in your lifetime. While the process can seem overwhelming, we believe in simplifying it into a few clear and manageable steps. Why? Because at Luminate Home Loans, we’re committed to ensuring you feel confident and well-informed every step of the way.



Our top priority is guiding you toward the best financial decisions with your goals in mind. We’re here to keep you informed, engaged, and supported throughout the entire lending journey. Let us illuminate the path to homeownership for you!

Apply Today!
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8,400+

clients served in 2020

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4.9 star

average rating

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8,836

reviews and counting

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200+

team members

Apply for Pre-Approval

The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.

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Submit Documents

Upon receipt of all requested documents, we will schedule a time for you to meet to review your mortgage options, talk about the home buying process, and issue your pre-approval letter.

Start Your Search

Start searching for your dream home! This is the fun part—you get to look at houses and put in offers on the ones that feel like home.

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Acceptance Offer

Once you put in an offer on a home and the offer is accepted, we'll lock in your interest rate and take some of the final steps to you owning a home!

Appraisal

During this phase, we'll have a licensed appraiser conduct a thorough inspection of the property to assess its true worth. From there, the appraiser will then compile all of their findings into a report and generate the home’s appraised value for us to get some final numbers together.

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Underwriting

The goal of our application is to gather as much information as possible up front. This gives us a major head start and allows us to fly through the process.

Final Figures

At this point, you're in the home stretch. You'll receive the final figures and costs for closing, and set up a time to finalize everything.

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Closing

Attend the closing with your driver's license, receive the keys to your new home, and enjoy. Congrats—you're a homeowner!