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, a division of Luminate Bank, provides mortgage and refinancing services to help you achieve your financial goals. Our team of experienced professionals, including John Kinkeade, is dedicated to guiding you through the process and finding the best solutions for your unique needs.
Whether you're a first-time homebuyer or looking to refinance your current mortgage, Refined Lending is here to assist you every step of the way. Our personalized approach and commitment to excellence ensure that you receive the support and expertise you deserve.
John Kinkeade is a skilled and knowledgeable mortgage professional at Refined Lending. With years of experience in the industry, he is dedicated to helping clients navigate the complexities of the mortgage process and find the best financing options to suit their individual needs.
As a trusted advisor, John takes the time to understand your financial goals and tailors his recommendations to ensure you make informed decisions. His expertise, combined with Refined Lending's commitment to exceptional service, makes him an invaluable resource for anyone seeking mortgage or refinancing solutions.
At Refined Lending, we offer a wide range of mortgage products and services to meet the diverse needs of our clients. Whether you're interested in a conventional mortgage, a jumbo loan, or a refinance, our team is here to guide you through the process and help you find the right solution.
Our mortgage experts can provide personalized insights and advice to ensure you make the best financial decision for your situation. From pre-approval to closing, we'll be with you every step of the way, making the journey as seamless and stress-free as possible.
Ready to take the next step in your homeownership journey? Connect with the Refined Lending team, including John Kinkeade, to discuss your mortgage or refinancing needs. Our knowledgeable professionals are available to answer your questions, provide personalized guidance, and help you navigate the process with confidence.
To get started, simply contact us by phone, email, or visit our office. We look forward to working with you and helping you achieve your financial goals.
Refined Lending, a division of Luminate Bank, provides mortgage and refinancing services to help you achieve your financial goals. Our team of experienced professionals, including John Kinkeade, is dedicated to guiding you through the process and finding the best solutions for your unique needs.
Whether you're a first-time homebuyer or looking to refinance your current mortgage, Refined Lending is here to assist you every step of the way. Our personalized approach and commitment to excellence ensure that you receive the support and expertise you deserve.
John Kinkeade is a skilled and knowledgeable mortgage professional at Refined Lending. With years of experience in the industry, he is dedicated to helping clients navigate the complexities of the mortgage process and find the best financing options to suit their individual needs.
As a trusted advisor, John takes the time to understand your financial goals and tailors his recommendations to ensure you make informed decisions. His expertise, combined with Refined Lending's commitment to exceptional service, makes him an invaluable resource for anyone seeking mortgage or refinancing solutions.
At Refined Lending, we offer a wide range of mortgage products and services to meet the diverse needs of our clients. Whether you're interested in a conventional mortgage, a jumbo loan, or a refinance, our team is here to guide you through the process and help you find the right solution.
Our mortgage experts can provide personalized insights and advice to ensure you make the best financial decision for your situation. From pre-approval to closing, we'll be with you every step of the way, making the journey as seamless and stress-free as possible.
Ready to take the next step in your homeownership journey? Connect with the Refined Lending team, including John Kinkeade, to discuss your mortgage or refinancing needs. Our knowledgeable professionals are available to answer your questions, provide personalized guidance, and help you navigate the process with confidence.
To get started, simply contact us by phone, email, or visit our office. We look forward to working with you and helping you achieve your financial goals.