large home

Get started planning your housewarming

With a mortgage powered by Luminate Home Loans, you can close on your new home faster than ever before.

Welcome to our new home (for home loans)

happy family moving into new home

We're proud to work with Luminate Home Loans to make it even easier for our members to purchase their next home. With a mortgage powered by Luminate, you can:

  • Get your offer to the top of the list and make yourself more attractive to sellers with a certified pre-approval
  • Enjoy a fully digital mortgage experience designed for your schedule and convenience
  • Work with a dedicated and experienced lender throughout the entire homebuying process
  • Close on your home faster—within an average of 21 days


Helpful resources

How much can you afford to spend on a house?

Depending on the type of mortgage you choose, you may be able to make a smaller down payment—but don’t forget closing costs.

Your Guide to a Home Equity Line of Credit (HELOC)

If you’re a homeowner in need of extra cash, you may be able to obtain a home equity line of credit (HELOC). Many people use this financing alternative to fund home improvement projects or other major expenses. Learn what a HELOC is and how to get one. 

Mistakes that first-time homebuyers make

Buying your first home is likely to be stressful, but there are things you can do to make the process easier.

Luminate Home Loans | Vibrant Credit Union
Luminate Home Loans, Inc. NMLS# 150953. Corporate Headquarters 2523 S. Wayzata Blvd. Suite 200, Minneapolis, MN 55405. This advertisement does not constitute a loan approval or loan commitment. Loan Approval and/or loan commitment is subject to final underwriting review and approval. Equal Housing Lender.