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Menu of Products

Purchase, Rate-term & Cash-out Available
High LTV Options (up to 89.99%)
Loan Amounts to $3M
Fixed or Arm (Amortized or Interest-only)
Min Fico 680+
Primary, 2nd Home and Investment Properties

Doctor Loans (up to 100%, No MI)
2nd Home and Investment Properties
Bridge Loans*
Cross-Collateralization*
Departing Residence*
Delayed Financing*
RSU*
Unique Properties/Mixed Use*
Non-Warrantable Condos/Condotels*
Multi-Family*
Entity Vesting*
Commercial*

Single-wides* & Multi-wides
Built after 1976
Conventional, FHA, VA, and USDA

HELOCs (Adjustable), 1st Lien Available
HELOANS (Fixed)
Loan Amounts up to $750K
Up to 95% CLTV
Min Fico 640+

90% LTV, Loan Amounts to $30M
Asset Qualifier
Bank Statement, 1099, P&L, 1-Year Self-Employed
Community Mortgage/No Ration
DSCR Investor Cash Flow - DSCR .80%+
Expanded/Alternative Credit Options, 575+
Foreign National & ITIN Borrower Eligibility
Interest-only options* Manual Underwriting, 50% DTI
Purchase, Rate-term & Cash-out Available
Primary, 2nd Home, or Investment Properties

HECM Purchase and Refinance

CONVENTIONAL CONFORMING

Conventional 95%
Standard 97%
High Balance
Lender Paid Mortgage Insurance
Min Fico 620+

CONVENTIONAL NON-CONFORMING

Purchase, Rate-term & Cash-out Available
High LTV Options (up to 89.99%)
Loan Amounts to $3M
Fixed or Arm (Amortized or Interest-only)
Min Fico 680+
Primary, 2nd Home and Investment Properties

FHA LOANS

Purchase 96.5%
Streamline Refi
Cash-Out Refi
High Balance
Min Fico 580+

VA LOANS

Purchase 100%
VA IRRRL
Cash Out 90%
Min Fico 580+

Luminate white radial

We’ve been helping people like you achieve their homeownership dreams for over 25 years.

I NEED A MORTGAGE

This is a loan production office of Luminate Bank.

2523 S. Wayzata Blvd. Suite 100

Minneapolis, MN 55405

Office Hours: Monday to Friday 9am to 5pm

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