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Message From HOM Furniture

Greetings~ As you all know, the core of our success is teamwork, and valuing every individual who helps us thrive as a whole. We strive to help every team member achieve success personally and professionally.

In the spirit of home, family & financial well-being, we are excited to announce an exclusive partnership with a leading mortgage company, Refined Lending, a division of Luminate Bank,. This local mortgage lender is noted for its growth and customer service.

Refined Lending, a division of Luminate Bank,’s dedicated and experienced team is looking forward to helping with your home purchase or refinance needs.

About The Program

Refined Lending, a division of Luminate Bank, is a local mortgage lender regularly recognized for growth and service in the industry and several other publications.

This dedicated and experienced team is looking forward to serving your refinance and purchase needs. HOM Furniture employees and family members automatically qualify for the following discounts:

  • Appraisal fee credited at closing
  • Highly competitive rates
  • Complimentary credit review
  • .75% credit to loan fees * Up to $4000
  • Discounted Realtor fees * with participating Realtors, ask your banker for more info*
  • Superior service levels and quick closing

Nate Raich

EVP- Retail Lending Luminate Bank   //  NMLS #224046

Nathan Raich grew up on a dairy farm, in Meadowlands, MN.  The value of a hard day’s work was engrained in him from the time he was born.  His love for Sales and Finance occurred when he started selling furniture which made for a smooth transition into Mortgage and Real Estate, where he found his niche.  He started as a Loan Originator over 20 years ago.  Having a young growing family and being raised by an Entrepreneur, this inspired and pushed him to branch out on his own & start his own Brokerage.  Nate was a one-man team, selling, originating, and processing mortgages from his home office while he built up his Network.  Eventually he was able to expand to a commercial office and hire a small staff (many of whom are still with him today) and partner with a great team of Originators.  Nate was awarded as being a TOP 1% Mortgage Producer in the Country multiple times and continuously managed the top producing Branches.

In 2018, Nate’s goal of owning his own mortgage company came to fruition when he opened Refined Lending, a division of Luminate Bank,.  He began with 23 employees and one location in Blaine, MN. Even though the Company continues to grow and expand, the Culture of a “Family Feel” has remained.  Our motto is t “Work Hard, Stay Humble.”  Having strong Core Values, a great working relationship with our Business Partners, being rooted and giving back to the Community, and having amazing Clients has contributed to the success of Refined Lending, a division of Luminate Bank,.

Refined Lending, a division of Luminate Bank, is a loan production office of Luminate Bank. NMLS 1281698 | Equal Housing Lender | Member FDIC

NRaich@RefinedLending.com(651) 283-1305
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