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.
Hours:
Monday – Friday: 9 am – 5 pm
© 2025 All Rights Reserved | Luminate Bank | Accessibility Menu | Privacy Policy | Company Licenses | NMLS Consumer Access
This is a loan production office of Luminate Bank.
© 2026. Website by LoanSites.
Compare a variety of loan options from different lenders in Minnesota. Explore mortgage types, interest rates, and terms to find the best fit for your financial needs.
Our team can provide personalized recommendations based on your current financial situation, credit profile, and long-term goals. We'll help you understand the pros and cons of each loan option so you can make an informed decision.
Refinancing your existing mortgage could lower your monthly payments, reduce your interest rate, or allow you to access home equity for other purposes. Evaluate your refinancing options to see if it makes sense for your financial situation.
Our refinancing experts can guide you through the process, from assessing your current loan to exploring new loan programs. We'll help you determine if refinancing is the right choice and provide a seamless application experience.
Navigating the home buying process as a first-time homebuyer can be overwhelming. Refined Lending offers resources and support to help you understand your options and make the best decision.
From down payment assistance programs to mortgage education, we'll walk you through each step of the home buying journey. Our team is dedicated to empowering first-time homebuyers and ensuring a smooth, successful experience.
Applying for a mortgage or refinancing has never been easier. Refined Lending's online application and consultation services allow you to start the process from the comfort of your own home.
Our digital tools and expert guidance make it simple to submit your information, get pre-qualified, and discuss your options. Experience a convenient, streamlined lending process that fits your busy lifestyle.
Compare a variety of loan options from different lenders in Minnesota. Explore mortgage types, interest rates, and terms to find the best fit for your financial needs.
Our team can provide personalized recommendations based on your current financial situation, credit profile, and long-term goals. We'll help you understand the pros and cons of each loan option so you can make an informed decision.
Refinancing your existing mortgage could lower your monthly payments, reduce your interest rate, or allow you to access home equity for other purposes. Evaluate your refinancing options to see if it makes sense for your financial situation.
Our refinancing experts can guide you through the process, from assessing your current loan to exploring new loan programs. We'll help you determine if refinancing is the right choice and provide a seamless application experience.
Navigating the home buying process as a first-time homebuyer can be overwhelming. Refined Lending offers resources and support to help you understand your options and make the best decision.
From down payment assistance programs to mortgage education, we'll walk you through each step of the home buying journey. Our team is dedicated to empowering first-time homebuyers and ensuring a smooth, successful experience.
Applying for a mortgage or refinancing has never been easier. Refined Lending's online application and consultation services allow you to start the process from the comfort of your own home.
Our digital tools and expert guidance make it simple to submit your information, get pre-qualified, and discuss your options. Experience a convenient, streamlined lending process that fits your busy lifestyle.