FHA Eligibility Update: What You Need to Know About the New Residency Rules At Luminate Bank, we’re all about keeping you informed and empowered—especially when big industry changes come down the pipeline. A new FHA guideline was just released that could impact who’s...
Why Getting Pre-Approved Should Be Your First Step This Spring Spring kicks off real estate’s busiest season. As more homebuyers enter the market, the competition ramps up—so being prepared from the start gives you a real advantage. If you’re planning to buy a home...
Why More Homeowners Are Tapping Into Their Home Equity—And How You Can Make It Work for You If you’re like many homeowners, you’ve probably noticed the buzz around home equity lines of credit (HELOCs) lately. With mortgage rates no longer at record lows...
Buying Your First Home? Feeling Nervous Is Completely Normal Buying your first home is a huge milestone. It’s exciting, life-changing, and—let’s be honest—a little nerve-wracking. One minute, you’re dreaming about paint colors and backyard barbecues, and the next,...
Is a Newly Built Home the Right Choice for You? Weighing the Pros and Cons. If you’re in the market for a home, don’t overlook the possibility of buying new construction. With an increase in newly built homes available, you have more choices than usual—and that...
Spring Market 2025: More Homes, More Opportunity—But Will Buyers Jump In? Spring is bringing a fresh wave of home listings—finally! If you’ve been searching for the right home, this season could be your best chance yet. But what about affordability? With mortgage...
