Lumin Lending offers a full shelf of products — from first homes to portfolios. Cody helps you find the structure that actually fits your goals.
Flexible financing for strong-credit borrowers — competitive rates, lower costs, and fewer restrictions for primary, second, and investment homes.
Lower down payments and flexible credit guidelines — a strong path for first-time buyers and those rebuilding.
Zero down payment, no PMI, and competitive rates for veterans, active-duty service members, and qualifying spouses. Lumin is veteran-led — this one's personal.
Financing above conforming limits for luxury and high-value properties, structured around your full financial picture.
Tap the equity you've built for renovations, consolidation, or opportunity — without disturbing your first mortgage.
Convert home equity into flexible cash flow for homeowners 62+ — designed to support retirement on your terms.
Lower initial payments and added cash-flow flexibility for the right borrower and strategy.
Fast, asset-based financing for time-sensitive deals, bridge scenarios, and situations standard guidelines don't fit.
Financing to build or substantially renovate — structured to fund the project and convert to permanent financing.
Private-money commercial and multifamily (5+ unit) financing for investors growing a portfolio.
That's the point of a strategist. Cody will walk your scenario and lay out your real options — no pressure.
Product availability varies by state, property, and borrower qualification. All loans subject to credit approval, income/asset verification, appraisal, and program guidelines. Not all applicants will qualify. This is not a commitment to lend.