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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Dave Kelly is a seasoned banker with Refined Lending, a division of Luminate Bank. He specializes in providing mortgage-related services, including loans and refinancing options, to help clients secure financing for their homes.
Refined Lending is committed to offering personalized and professional support throughout the mortgage process. As a part of Luminate Bank, the team has access to a wide range of financial resources and expertise to ensure clients receive the best possible solutions for their unique needs.
Refined Lending offers a variety of mortgage loan options to meet the diverse needs of homebuyers and homeowners. From conventional loans to specialized programs, the team works closely with clients to understand their financial goals and explore the most suitable financing solutions.
Whether you are looking to purchase a new home or refinance your existing mortgage, Refined Lending's experienced loan officers can guide you through the process and help you secure the best terms and rates available.
As a trusted banker at Refined Lending, Dave Kelly is committed to providing exceptional customer service and personalized support. With his extensive knowledge of the mortgage industry and strong relationships with lenders, Dave can help you navigate the complexities of the financing process with ease.
By working with Dave, you can expect tailored guidance, transparent communication, and a streamlined approach to achieving your homeownership goals. His dedication to client satisfaction and success is a key driver in Refined Lending's mission to help families secure their dream homes.
Applying for a mortgage with Refined Lending is a straightforward and hassle-free process. The team provides a range of convenient options, including online applications and in-person consultations, to ensure a seamless experience for clients.
Whether you're a first-time homebuyer or an experienced homeowner, the Refined Lending team is here to guide you through every step of the mortgage application process. From pre-approval to closing, they will work tirelessly to ensure you receive the best possible outcome for your unique financial situation.