Your Homebuying Journey with

Luma Lending logo with stylized text in cream and yellow colors.

Whether you’re a first-time homebuyer, a seasoned real estate investor, someone navigating a big life change, or anywhere in-between, the journey to a home loan should feel exciting, not overwhelming.

At Luma Lending, we illuminate the path to homeownership, making the mortgage process clear, simple and stress-free from start to finish. Take a look at what you can expect when you partner with us:

This is for informative purposes only and does not guarantee loan approval.

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Exploring
Homeownership

step one

Maybe you’re dreaming of your first home, investing in a property, going through a big life change, or looking to refinance. No matter your situation, we’re here to listen and help you take the next step with confidence.

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Start the
Conversation

step two

You can fill out our contact form or start your pre-approval application to get the ball rolling. This gives us the information we need to connect you with the right Mortgage Loan Officer from the Luma team.

Your Personal
Consultation

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step three

In your first conversation, your dedicated loan officer will get to know you and your goals. We’ll look at your financial profile, answer your questions and discuss the types of home loan options that could be a good fit for you. Check out frequently asked questions here!

Guided
Application Process

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step FOUR

We’ll walk you through your application step by step, explaining the process and making sure you always know what’s next.

Customized
Loan Shopping

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step five

Unlike traditional banks, we’re a Mortgage Brokerage, which means we can shop around with multiple lenders to find a variety of rates and programs.

Rates and programs can change based on market conditions and individual qualifications, such as credit score, loan amount, and property type.

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Pre-Approval &
House Hunting

step six

Once you are pre-approved and have received your pre-approval letter, you may start shopping for houses with the hope to go under contract!

Pre-approval is not a guarantee of final loan approval. Final approval depends on underwriting review and verification of financial information.

Under Contract

step seven

Once you are under contract, we can begin the financial process and order major pieces of the puzzle, such as appraisal and title work.

Let’s Celebrate

A backyard decorated for a birthday party with a yellow and white balloon garland, a 'Happy Birthday' banner, a yellow side table with sunflowers in a glass vase, wooden chairs, and a flower bed with hydrangeas and ornamental grasses.

closing day & beyond

We can celebrate once financial contingencies are met! On closing day, you’ll get the keys and the confidence of knowing you had a knowledgeable, caring team by your side.

Even after closing, we’re just a call away if you have questions about your loan or want to explore refinancing in the future.

Our Commitment to Fair Lending

At Luma Lending, we are committed to providing fair, transparent, and equal access to mortgage services. We strictly adhere to all federal, state, and local fair lending laws, including the Equal Credit Opportunity Act (ECOA). This means we do not discriminate against any applicant based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or the exercise of any rights under consumer protection laws. Our goal is to ensure that every client receives the same knowledgeable guidance, support, and respect throughout their mortgage journey.

Ready to start your new chapter?

  • Graphic with the text 'Popular Loan Types' on a blue gradient background, with an arrow pointing to the right.

    Scroll to view popular loan types.

  • Text on a blue background that says 'Conventional Loans'.

    Includes fixed-rate and adjustable-rate mortgages

  • Graphic with a blue background and white text that says 'FHA Loans'.

    Suitable for first-time homebuyers or buyers with lower credit scores or smaller down payments

  • Text on a blue background reads 'VA Loans'.

    Available to eligible veterans, active-duty military personnel and surviving spouses, often with no down payment requirements.

  • USDA Loans information graphic with blue background and white text.

    For eligible rural and suburban homebuyers with low or moderate incomes

  • A promotional graphic with a dark blue background featuring white text that reads 'Jumbo Loans'.

    For higher-priced properties

  • Graphic with text "Fixed-rate Mortgages" on a dark blue background

    Interest rate remains the same for the entire term of the loan, providing predictable monthly payments.

  • A digital graphic with the text 'Refinance Loans' on a blue background.

    Replace your existing mortgage with a new one, potentially lowering your interest rate, shortening your loan term, or allowing access to cash from your home equity.

  • A graphic design with the words "Renovation Loans" on a blue background.

    Finance the purchase and renovation of a home.

  • Non-QM Loans

    Non-qualified mortgage (non-QM) solutions help borrowers who may not fit traditional lending criteria. This may include Bank Statement Loans for self-employed individuals and DSCR Loans for real estate investors.