Most lenders sell you their rate. We make 40+ lenders compete for yours.
Lumin is a veteran-led brokerage rated 4.95★ by 2,797+ borrowers. Tell us your goal — about 3 minutes, no hard credit pull — and a named loan strategist shows you your real options.
4.95 / 5 from 2,797+ verified reviews| NMLS #2716106
What do you want to do?
3 minutes · No hard credit pull · No obligation
The broker advantage
Why brokers beat banks
A broker works for you, not a bank. We shop your loan across 40+ lenders, give you honest advice on every option, and stay on your file until you close.
40+
Lender relationships
Banks, credit unions, and wholesale lenders compete for your file — not just one rate sheet.
100%
Independent advice
No quotas, no upsells. We're paid to find you the right loan, not the most profitable one.
~21d
Average close time
Proactive coordination between lender, title, and realtor keeps deals from slipping.
1:1
Dedicated strategist
A real person owns your file from application to closing. Never a call center.
Loan options
Start with your goal, not a loan name
Purchase
Buying a home, first-time or not. We run the numbers across loan types and lenders so you compare options that make sense for your situation — not just the one a bank is pushing this month.
ConventionalFHAVAJumbo
Get started →Refinance
Lower payment, shorter term, or tap equity. We model the real numbers — including your break-even point — so you know exactly whether a refi makes sense before you ever commit.
Rate & TermCash-OutStreamlineHELOC
Get started →Jumbo & Specialty
Above conforming limits, self-employed, asset-based, or DSCR. Complex stories need a strategist, not a script. We welcome the cases others pass on.
JumboNon-QMBank StatementDSCR
Get started →Real conversations
Meet your strategists
The people in our reviews are the people on your file. Every quote below is from a verified client review.
“Professional, responsive, and kept me informed every step of the way.”
— Cressan T., verified client review
“A blessing from the sky! Fast, upfront, honest and very knowledgeable.”
— Brenda V., verified client review
“When other lenders denied my HELOC, Donovan and his team made it easy.”
— Cory G., verified client review
“Exceptionally knowledgeable, professional, diligent, and responsive.”
— Gary A., verified client review
“Hands down the best mortgage professional I have ever worked with.”
— Ryan B., verified client review
“Honest, knowledgeable, and kept me updated from start to finish.”
— Ryan M., verified client review
Start to close
Three conversations to your keys
01
Chat with us
Tell us your goals. No pressure, no commitment — just a real conversation with someone who actually listens. We start by understanding your situation, not selling you a product.
02
Get pre-approved
We shop 40+ lenders to find the best options for your unique situation, then walk you through each one clearly. You'll understand exactly what you're choosing and why.
03
Close your loan
We handle the heavy lifting and stay by your side from application to closing day. No surprises, no handoffs to someone who doesn't know your file.
Straight from our clients
What people are saying
4.95/5 · 2,797+ verified reviews
“Sam was amazing and delivered on everything she promised! Total rock star! Knowledgeable, professional, and sharp as a tack. We couldn’t be more thankful!”
“Steve Tran deserves a million stars for his excellent help and customer service. Please ignore the 3 stars earlier. That was suppose to be 5 stars but I was using my cell phone to do the review. Steve is a treasure and it was a pleasure working with him.”
“Service was incredibly responsive and the entire process was fast.”
Run your numbers
What would the payment look like?
Model a monthly payment in ten seconds — then let 40+ lenders compete to beat it.
Open the payment calculatorA 15-minute call can change the whole picture.
Most people are surprised by what they qualify for. No jargon, no sales pitch — just straight answers from someone who actually knows the market.
Get a Free Quote →Before you reach out
Is getting a quote a hard credit inquiry?
No. The quote request takes about three minutes and does not involve a hard credit pull. We'll tell you before anything ever touches your credit.
What does a mortgage broker cost me?
Our compensation comes from the lender you choose or is disclosed directly to you — always in writing, before you commit. Because 40+ lenders compete for your loan, brokered pricing is frequently better than what a single bank offers.
What happens after I submit my information?
A member of the team reviews it and reaches out within one business day — usually much sooner. You'll talk with a named strategist, not a call center, and you'll get straight answers about what you qualify for.
Is Lumin Lending licensed?
Yes — Lumin Lending, Inc. is a licensed mortgage brokerage, NMLS #2716106. You can verify our licensing anytime on the NMLS Consumer Access portal.
Ready when you are.
No pressure, no jargon, no hard pull — just straight answers from the team behind 2,797+ five-star reviews.
3 minutes · No hard credit pull · No obligation