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.
Refined Lending, a division of Luminate Bank, specializes in mortgage refinancing services. Our team of experts is dedicated to helping you save money on your loan by identifying the best refinancing options tailored to your unique financial situation.
Whether you're looking to lower your interest rate, shorten your loan term, or unlock equity in your home, our Infinite service provides personalized rate alerts and guidance to ensure you make the most informed decision for your financial future.
Refinancing your mortgage can provide a range of financial benefits, from reducing your monthly payments to accessing home equity for home improvements or debt consolidation. Our Infinite service helps you stay ahead of the market by delivering timely rate alerts, empowering you to capitalize on favorable mortgage conditions.
By analyzing your current loan details and financial goals, our experts can recommend the ideal refinancing solution to optimize your savings and align with your long-term financial objectives.
With Refined Lending's Infinite service, you can receive personalized rate alerts tailored to your unique mortgage profile. Our sophisticated monitoring system continuously tracks market fluctuations, ensuring you're notified of rate drops that could lead to significant savings.
Simply provide us with your current loan information, and we'll do the rest, keeping you informed of the best refinancing opportunities as they arise. Our goal is to empower you to make informed decisions and maximize the benefits of refinancing your home.
Refined Lending understands that the refinancing process can be complex and time-consuming. That's why we've streamlined our application process to make it as hassle-free as possible. Our user-friendly online platform allows you to submit your information securely and efficiently, with our team of experts guiding you every step of the way.
Whether you're ready to apply for a refinance or just exploring your options, our Infinite service provides the tools and support you need to navigate the process with confidence. Let us help you unlock the full potential of your home investment.