It’s not just about buying a house—it's about lighting your way home.

Ready to make your homeownership dreams a reality? Luminate Bank is here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment to making the process smooth and clear.

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Hi, I'm Paulette!

Finding a home should be as easy as flipping on a light switch—and getting a home loan shouldn’t leave you searching in the dark. At Luminate, I’m here to brighten the process, guiding you step-by-step so you feel confident, informed, and well-supported from start to finish.


It’s a privilege to use my expertise to light up the path to your perfect mortgage, ensuring the process fits your needs and that your experience shines just as bright as the outcome.

>> Our Products

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Conventional Loans

Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms, perfect for those who are looking for options.

FHA Loans

FHA loans make homeownership more accessible for low-to-moderate income buyers or those with "less than perfect" credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.

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VA Loans

VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.

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USDA Loans

USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.

Renovation Loans

Renovation loans make it easier to buy or refinance a home and finance improvements at the same time. By rolling upgrade costs into one loan, you can turn a fixer-upper (or your current home) into a space that truly fits your life.

Reverse Loans

Reverse loans allow eligible homeowners to convert a portion of their home’s equity into cash while continuing to live in their home. With no required monthly mortgage payments, reverse loans can provide flexibility and support your financial goals in retirement.

Jumbo Loans

Jumbo loans are designed for higher-value homes that exceed conventional loan limits. With flexible structures and competitive terms, jumbo loans help you finance your next home purchase without compromising on location, size, or features.

And more!

From construction and non-qualified mortgage (Non-QM) options to specialty programs designed for unique financial situations, you’ll find flexible solutions that support your homebuying journey, no matter what it looks like.

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“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”

Qaiser

“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”

Evan

“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”

Joan

WE BELIEVE.

The home loan process doesn't have to be scary. Our team is here to help!