How It Works

Four steps to the keys.

No mystery, no runaround. Here's exactly how the journey goes — from first hello to closing table.

01

Connect

Share your goals in a quick, no-pressure conversation. You'll leave it with clarity on exactly where you stand.

02

Pre-Approve

Get a strong, accurate pre-approval that makes your offer competitive and your budget crystal clear.

03

Shop & Lock

Cody shops the market for smart pricing and helps you lock terms that fit your numbers.

04

Close & Win

A managed, communicated process to the closing table — and the keys in your hand.

Common questions

How fast can I get pre-approved?
In many cases within 24 hours once Cody has your basic information and documentation. A strong pre-approval makes your offer more competitive and your budget clear.
What states can Cody lend in?
Cody is licensed to originate residential mortgages in Florida and Washington. If your property is in FL or WA, reach out and he'll take it from there personally.
Does requesting info affect my credit?
Starting a conversation and sharing your goals does not require a hard credit pull. Cody will always tell you before any step that affects your credit.
What makes a brokerage different from a bank?
A bank sells its own products. As a brokerage, Lumin shops your loan across many lenders to find competitive, brokerage-direct pricing and the right program for your situation.