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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Refined Lending is a division of Luminate Bank that specializes in providing mortgage lending services. Our mission is to help homeowners refinance their homes and save on their mortgage rates.
As part of Luminate Bank, we are committed to offering personalized support and guidance throughout the refinancing process. Our team of experienced professionals is dedicated to helping you find the best mortgage solution to meet your unique financial needs.
Refinancing your home can provide numerous benefits, including the potential to lower your monthly mortgage payments, shorten the term of your loan, or access equity in your home. Our team can help you explore these options and determine the best refinancing strategy for your situation.
By taking advantage of current market conditions and your home's equity, you can potentially save thousands of dollars over the life of your loan. Let us help you unlock the power of refinancing and achieve your financial goals.
Applying for a mortgage with Refined Lending is a straightforward and streamlined process. Our online application allows you to submit your information securely and conveniently, and our team will guide you through each step of the process.
Whether you're a first-time homebuyer or an experienced homeowner, we are here to support you throughout the entire mortgage application and approval process. Our goal is to make refinancing as smooth and stress-free as possible.
At Refined Lending, we understand that navigating the world of mortgages can be complex. That's why we offer a variety of resources and tools to help you make informed decisions about your refinancing options.
From mortgage calculators to informative articles and guides, our online resources are designed to empower you with the knowledge and tools you need to achieve your financial goals. Explore our comprehensive suite of resources to learn more about the refinancing process and how we can help you save on your mortgage.
Refined Lending is a division of Luminate Bank that specializes in providing mortgage lending services. Our mission is to help homeowners refinance their homes and save on their mortgage rates.
As part of Luminate Bank, we are committed to offering personalized support and guidance throughout the refinancing process. Our team of experienced professionals is dedicated to helping you find the best mortgage solution to meet your unique financial needs.
Refinancing your home can provide numerous benefits, including the potential to lower your monthly mortgage payments, shorten the term of your loan, or access equity in your home. Our team can help you explore these options and determine the best refinancing strategy for your situation.
By taking advantage of current market conditions and your home's equity, you can potentially save thousands of dollars over the life of your loan. Let us help you unlock the power of refinancing and achieve your financial goals.
Applying for a mortgage with Refined Lending is a straightforward and streamlined process. Our online application allows you to submit your information securely and conveniently, and our team will guide you through each step of the process.
Whether you're a first-time homebuyer or an experienced homeowner, we are here to support you throughout the entire mortgage application and approval process. Our goal is to make refinancing as smooth and stress-free as possible.
At Refined Lending, we understand that navigating the world of mortgages can be complex. That's why we offer a variety of resources and tools to help you make informed decisions about your refinancing options.
From mortgage calculators to informative articles and guides, our online resources are designed to empower you with the knowledge and tools you need to achieve your financial goals. Explore our comprehensive suite of resources to learn more about the refinancing process and how we can help you save on your mortgage.