to facilitate and support lifetime goal acheivement
Our purpose and passion is to help people. we are fortunate to have the ability to make a postive impact on our client’s lives, partners business, and our community.
Lightspeed Underwriting approval
our Proprietary lightspeed underwriting pre-approval process provides our clients assurance their loan will close on time, helps eliminate the stress of buying a home, and provides them a more competitive offer.
Luminate Power Buyer Program
we give our clients that power of a cash offer! this innovative solution ensures our clients won’t lose out on their dream home when competing against other cash offers and allows our clients to buy a home before they sale their current home.
self-managed appraisal panel
buying a home is usually the most expensive asset our clients purchase in their lifetime and which is why we only work with the best appraisers in the industry.
seller closing day guarantee
we want you and your offer to stand out so we provide seller’s a $15,000 guarantee that your loan will close and close on time.
market watch
through our technology and custom processes we monitor the market for you and will notify you when the opportunity exists to lower your payment or leverage your home equity in manner that allows you to acheive your lifetime goals so you never have to worry about missing out
Direct Lender
we take great pride in the trust our clients have in us. we don’t want to leave anything to chance so we control the entire loan approval process from start to finish.
real estate finance planning
real estate is an amazing tool to build wealth and income for every american. we are passionate about helping people acheive their financial goals through real estate. from helping clients pay for college to buying a vacation rental to building a real estate empire we love to show you what’s possible.
cancellation guarantee
if you are unhappy with your experience or your loan you can cancel the transaction at any time and we will transfer your loan file to any lender.
illumine support team
we understand we are limited in our expertise and how we can help you. so we built an entire team of the best professionals in various industries to ensure you receive exceptional service in all aspects of your life
random act of kindness
every month we take the time to give back to our community by supporting and volunterring with local non-profits that have a direct impact in our community.
Client Testimonials
Luminate is amazing. They are always available to answer questions and explains all details in a way that anyone can understand. There professionalism and care for their clients is truly exceptional. Every interaction with Luminate feels as though I am talking to a friend/family member. I would recommend them to every single person looking to buy or refinance a home.
Availability, flexibility, responsiveness, and knowledgeable. Made things easy.
There is a big difference from a company that says they are in the business for the people and those that really show it through their actions. Luminate is in the latter group and we felt it the first conversation through closing. Thanks Luminate!
Luminate’s service was outstanding! They made our first home buying experience feel like a breeze. They were reliable throughout, and their communication was thorough, and always timely. Thank you so much! We truly appreciate you.
Luminate makes the process easy. They offer multiple options and have a forward thinking approach and if issues arise, they work hard to bring multiple solutions to the table. Luminate are our lenders for life.
Luminate is OUTSTANDING! They made sure I understood everything when it comes to loans. When I asked questions they delivered answers right away. They really took their time with me, they had tons of patience (I took longer than most to get her information they needed) and that made me feel very comfortable. I definitely recommend Luminate to help with anyone’s loan even my next one!
Agent Testimonials
Luminate is one of the best lenders that I have ever worked with. I’ve been in the business almost 20 years and Luminate is 1000% my go! There level of expertise compiled with there integrity and knowledge of the industry is unmatched! Thanks for taking such amazing care of my people!
Luminate was very responsive and was willing and able to speak with me about important details of the transactions. They worked well with both me as the listing agent, as well as the buyer’s broker
Luminate is well-versed in their loan options and looking at the best overall picture for the client. Luminate is also great at communicating in every aspect.
Luminate does a great job of communicating and explaining the process to the client making my job very easy. They get the job done and are able to get loan approvals others can not!
Our Loan Officers
Dedicated to facilitate and support lifetime goal achievement
Aaron Redfearn
Loan Officer
Phone:720.862.5392
Alexis Pacheco
Loan Officer
Phone: 720.645.5641
Website
Alfredo Esparza
Loan Officer
Phone: 970.799.9354
Matt Powell
Loan Officer
Phone: 720.331.2458
Website
Michelle Merritt
Loan Officer
Phone: 303.514.8907
Website
Mike Campbell
Loan Officer
Phone: 970-405-4681
Renee Soberano
Loan Officer
Phone: 785.410.4157
Website
Sean Selters
Loan Officer
Phone: 720.683.1097
Website
Sherri Stroh
Loan Officer
Phone: 303.332.5938
Tony Dubois
Loan Officers
Phone: 720.862.5600
Luminate Bank. NMLS #1281698. NMLS Consumer Access
NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”