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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As the housing market continues to face shortages, homebuyers are navigating a challenging landscape. Refined Lending is committed to providing guidance and solutions to help customers find the right mortgage options to achieve their homeownership goals.
Whether you're a first-time homebuyer or looking to refinance, our team of experts can assist you in exploring various loan programs, understanding current market conditions, and securing financing that meets your unique needs.
Refined Lending offers a diverse range of loan programs to cater to the diverse financial situations of our customers. From conventional mortgages to government-backed options like FHA, VA, and USDA loans, we can help you navigate the complexities of the lending landscape and find the right fit for your needs.
Our knowledgeable team will work closely with you to understand your financial goals, credit profile, and long-term plans, ensuring that the loan solution we recommend aligns with your unique requirements and sets you up for successful homeownership.
In addition to new home purchases, Refined Lending specializes in refinancing services. If you're currently holding a mortgage, we can explore options to help you lower your interest rate, reduce your monthly payments, or access the equity in your home for various purposes.
Our refinancing experts will guide you through the process, providing personalized advice and ensuring that you make an informed decision that aligns with your financial objectives and long-term plans.
At Refined Lending, we understand that the homebuying journey can be complex and overwhelming. That's why we've curated a comprehensive suite of resources and support services to empower our customers throughout the process.
From educational materials on the mortgage process to personalized consultations with our team of experts, we're committed to equipping you with the knowledge and tools you need to navigate the housing market with confidence and achieve your homeownership goals.