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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At Refined Lending, a division of Luminate Bank, we understand that every mortgage situation is unique. Our custom mortgage quote process allows you to provide detailed information about your current mortgage, enabling us to offer personalized proposals that cater to your specific needs.
By answering a few simple questions, we can assess your mortgage status, including your current loan amount, interest rate, and remaining term. This information helps us identify opportunities to save you money through refinancing or explore alternative mortgage options that better suit your financial goals.
If you've been in your current home for a while, refinancing may be an attractive option to consider. Refinancing can potentially lower your monthly payments, shorten your loan term, or access home equity for other financial needs.
Our team of mortgage experts will review your current loan details and provide customized refinancing scenarios, highlighting the potential benefits and cost savings. We'll guide you through the refinancing process, ensuring a seamless transition to a new mortgage that aligns with your financial objectives.
Whether you're a first-time homebuyer or an existing homeowner, Refined Lending is committed to providing personalized mortgage solutions that cater to your unique circumstances. Our comprehensive mortgage offerings include fixed-rate, adjustable-rate, and specialty loan products, allowing us to tailor the right mortgage to your needs.
By understanding your financial goals, credit profile, and overall housing preferences, our team can recommend the most suitable mortgage options, ensuring a smooth and efficient home financing experience.
At Refined Lending, we take pride in our personalized approach to mortgage lending. Our experienced team of mortgage advisors is dedicated to guiding you through every step of the process, from the initial consultation to the final closing.
With a deep understanding of the local housing market and industry regulations, our advisors will provide you with expert advice, transparent communication, and unwavering support throughout your mortgage journey. You can trust Refined Lending to be your trusted partner in achieving your homeownership goals.