Welcome to our new home (for home loans)
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
Ready to get started?
Explore a wide range of mortgage options, including FHA, VA, and USDA loans, as well as special programs for first-time homebuyers and real estate investors.
Shopping for a better rate, a lower monthly payment, or a shorter term? Talk with Luminate Home Loans about refinance options.
Tap into your home's equity for access to instant cash when you need it. Our HELOC (home equity line of credit) offers a lower interest rate than the typical credit card, and you can keep drawing on your line for up to 15 years.
Rates as low as 8.500%*
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.