John Kinkeade
Mortgage Branch Manager // NMLS #1123893
Mortgage Branch Manager // NMLS #1123893
It is my pleasure to offer you a wide selection of loan programs, competitive rates, and friendly service with Refined Lending, a division of Luminate Bank,. Once I understand your specific needs, I will guide you through the financing process. Unlike mortgage brokers and larger banks where the loan process is often confusing and frustrating, we work to make it easy for you. Whether you’re looking to purchase, build, refinance or invest, discover why Refined Lending, a division of Luminate Bank, is the right place for you.
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, local guide program, kinkeade, luminate bank, best reverse mortgage company near me, reverse mortgage near me
Refined Lending is a division of Luminate Bank, offering a wide variety of mortgage loan programs to meet the diverse needs of clients. Refined Lending's mission is to provide competitive rates, personalized service, and a customer-friendly approach to help clients achieve their homeownership goals.
As a trusted mortgage provider, Refined Lending has a team of experienced professionals, including Mortgage Branch Manager John Kinkeade, who are dedicated to guiding clients through the loan process and finding the right solution for their unique financial circumstances.
Refined Lending offers a comprehensive range of loan programs, including purchase, refinance, and investment options. Whether clients are looking to buy their first home, upgrade to a larger property, or invest in real estate, Refined Lending has the expertise to help them navigate the complexities of the mortgage market and secure the best possible rates and terms.
Clients can take advantage of Refined Lending's Rate Alert service, which helps them stay informed about market trends and identify opportunities to save thousands over the life of their loan. By monitoring interest rates and providing timely updates, Refined Lending empowers clients to make informed decisions and achieve their financial goals.
refined lending, local guide program, kinkeade, luminate bank, best reverse mortgage company near me, reverse mortgage near me
Refined Lending is a division of Luminate Bank, offering a wide variety of mortgage loan programs to meet the diverse needs of clients. Refined Lending's mission is to provide competitive rates, personalized service, and a customer-friendly approach to help clients achieve their homeownership goals.
As a trusted mortgage provider, Refined Lending has a team of experienced professionals, including Mortgage Branch Manager John Kinkeade, who are dedicated to guiding clients through the loan process and finding the right solution for their unique financial circumstances.
Refined Lending offers a comprehensive range of loan programs, including purchase, refinance, and investment options. Whether clients are looking to buy their first home, upgrade to a larger property, or invest in real estate, Refined Lending has the expertise to help them navigate the complexities of the mortgage market and secure the best possible rates and terms.
Clients can take advantage of Refined Lending's Rate Alert service, which helps them stay informed about market trends and identify opportunities to save thousands over the life of their loan. By monitoring interest rates and providing timely updates, Refined Lending empowers clients to make informed decisions and achieve their financial goals.