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, powered by Luminate Home Loans. 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, | Luminate Home Loans is the right place for you.