Set a target rate and get notified when it’s time to refinance and save! Refined Lending, a division of Luminate Bank,’s Rate Alert helps you stay ahead of the market and could save you thousands over the life of your loan. Not sure what rate to aim for? We’ll help you find the right target. No sensitive info is needed – just your contact details and current mortgage rate to get started.
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Monday – Friday: 9 am – 5 pm
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The loan application process at Refined Lending is designed to be simple and straightforward. Customers can apply online or speak with a dedicated loan specialist to discuss their renovation financing needs.
The application includes providing details about the current mortgage, desired loan amount, and contact information. Our team will then review the application and provide a personalized assessment to help customers find the best solution for their home improvement project.
Refinancing your home to fund renovations can offer several benefits, including lower interest rates, the ability to access your home's equity, and potential tax deductions. This can make it more affordable to upgrade your living space and increase the overall value of your property.
By working with Refined Lending, customers can take advantage of our expertise in renovation financing and ensure a seamless process from application to project completion.
To qualify for a renovation loan through Refined Lending, homeowners must meet certain criteria, such as having a minimum credit score, sufficient equity in their home, and a stable income. Our team will guide customers through the qualification process and help them understand the requirements.
Customers can also learn more about the specific loan programs we offer, such as FHA 203(k) loans and conventional renovation mortgages, to find the best option for their unique financial situation and home improvement needs.
Refined Lending understands that planning a home renovation can be a complex process. To support our customers, we offer guidance on project planning, including budgeting, timeline management, and coordinating with contractors.
Our team can provide recommendations on popular renovation projects, estimated costs, and potential return on investment to help customers make informed decisions about their home improvement investments.
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