Why Should You Make an Extra Mortgage Payment?
Real Genius, a Division of Luminate Bank
Low lender fees and transparent pricing
Great rates and fast closings
Trusted by 50,000+ homeowners
Don't worry we've got the tools to help.
Important Disclosure: Results are estimates for educational and illustrative purposes only and are based on information and assumptions entered by the user. Actual savings, loan terms, rates, payments, and costs may vary. This calculator is not a commitment to lend, loan approval, or financial, tax, legal, or investment advice.
No hassles. No hurdles. Our team will provide a detailed personalized rate quote.
It's not just our low rates and charming personalities.
How? We invest in technology that helps us fund loans fast and keep our expenses low which allows us to pass the savings on to you.
We keep lender fees low with an efficient loan team and smart technology, so more of your money stays with you.
Most people focus just on the payment and the rate. Smart money looks at the entire financial picture and figures out how to best leverage the cash, including the total cost of the loan.
No matter what we've got you covered.
Make a homebuying offer that counts
Get pre-approved in as little as 15 minutes
A lower rate doesn’t always mean a lower cost.
Spot hidden fees
Decipher complicated jargon
Know what you’re paying for
Get an option that works for you
Why Should You Make an Extra Mortgage Payment?
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When (and When Not) to Leverage a Cash Out Refinance
15-year or 30-year Mortgage: What’s the Difference?
Four Common Mistakes First Time Homebuyers Make, and How to Avoid Them
How Debt-to-Income Impacts Buying a House
How to Protect Your Personal Data When Applying for a Mortgage Online
Increase Your Odds of Getting a Home Loan as a First-Time Homebuyer
Mortgage | ContactUs@luminate.bank
Why did we change our name?
As we continue to invest in sophisticated technology to make home financing easier, faster and cheaper for you to make smart decisions, we wanted our brand to reflect that fact. Our goal is to empower you – the real genius.
I have a loan in process, will this impact me?
There will be no impact to your loan, and you’ll still be working with the same great team.
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