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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At Refined Lending, we are dedicated to providing personalized mortgage solutions tailored to your unique financial needs. Whether you're looking to purchase a new home or refinance your existing mortgage, our team of experienced professionals is here to guide you every step of the way.
With a focus on exceptional customer service and a wide range of lending options, Refined Lending is your trusted partner in navigating the complexities of the mortgage industry. Let us help you achieve your homeownership goals and unlock the financial freedom you deserve.
Refined Lending offers a comprehensive suite of mortgage products, including conventional loans, FHA loans, VA loans, and jumbo loans. Our knowledgeable team will work closely with you to understand your unique financial situation and recommend the best option to suit your needs.
Whether you're a first-time homebuyer or an experienced real estate investor, we'll provide you with the guidance and resources you need to make an informed decision. Our commitment to transparency ensures you have a clear understanding of the entire mortgage process, from pre-approval to closing.
Refinancing your mortgage can provide you with the opportunity to lower your monthly payments, shorten your loan term, or access the equity in your home. Our team of experts will work closely with you to assess your current financial situation and explore the refinancing options that best fit your goals.
By taking advantage of our refinancing services, you can potentially save thousands of dollars over the life of your loan, freeing up funds for other important financial priorities. Trust Refined Lending to guide you through the refinancing process and help you achieve your long-term financial objectives.
At Refined Lending, we understand the importance of staying informed about the latest mortgage rate trends. That's why we offer our RL Rate Alerts, a free service that keeps you up-to-date on changes in the market.
By signing up for RL Rate Alerts, you'll receive timely notifications about fluctuations in mortgage rates, empowering you to make informed decisions about your financing options. Stay ahead of the curve and take advantage of the most competitive rates available with Refined Lending.