Starting Nov. 16, 2025, Fannie Mae is eliminating its 620 minimum middle credit score requirement for purchase and refinance home loan credit decisions.
With Luminate Bank’s Stand-Alone Home Equity Line of Credit (HELOC), you can borrow what you need, when you need it, without changing your existing mortgage.
Many people believe that mortgage rates are tied to the Federal Reserve’s rate changes; fixed-rate mortgage rates are more closely tied to the 10-year Treasury yield
Whether you’re retired, self-employed, or managing a mix of income sources, there are several mortgage options designed to fit your financial situation.
Student loan debt can make it harder, but not impossible, for you to get a mortgage. Lenders consider your student loan debt when they assess your application.
When you apply for a mortgage, your lender will look at your full financial picture. Along with your debts, income, and credit score, they’ll also review your assets
Bank statement loans make it possible to qualify using your bank statements instead of traditional income documentation.
Informed Delivery grants you the ability to digitally preview mail before it arrives at your mailbox, helping you track your mail without checking your mailbox.
As interest rates are trending downward, this shift is opening the door to new opportunities to lower monthly payments, consolidate debt, or tap into home equity.
In March 2026, the Homebuyers Privacy Protection Act will put an end to the unwanted solicitations many buyers receive after submitting a mortgage application.
