Our Vision

“We will create, with intention, our best work and offer it to the world.”

How does this apply to you? Click on “about us” above to learn more about how we incorporate this vision into our business every day.


Reverse Mortgage

(HECM)

Reverse Mortgages are a unique type of loan that allows Senior Homeowners, 62 and older, to convert the accrued equity of their home into usable, tax-free funds.

Most reverse Mortgages today are called Home Equity Conversion Mortgages (HECM). HECM’s are federally insured by the Federal Housing Administration (FHA) under the US Department of Housing and Urban Development (HUD). Because HECM Reverse Mortgages are regulated by the government, they are subject to specific rules and limits, many of which are designed to protect borrowers, such as counseling, financial assessment, and more.

Divorce Lending

As a Certified Divorce Lending Professional, Lisa Fleck brings a solid understanding of the legal and tax implications involved in the divorce process and how it affects your real estate and mortgage financing, which ensures as smooth a process as possible. Our team is always ready to answer your questions as they arise.

Lending Education

Don’t let the idea of buying a home become overwhelming. We understand that it can be challenging when you’re looking over the many steps, tasks, and requirements. You may even be just a little anxious about making an expensive mistake. Now is the time to take a nice deep breath.

Lisa Fleck, CDLP

NMLS#: 351370

Lisa Fleck, Producing Branch Manager and Certified Divorce Lending Professional, has been in the mortgage business for over 20 years. She is a nationally ranked top 1% originator helping hundreds of families every year. Her primary goal is to educate and empower her clients by helping them identify and execute the strategies necessary to provide them with stable and sustainable financing.

Lisa serves families in over 40 states nationally. Contact her today to see how she can help you with your real estate goals wherever your life takes you.

Calculate your mortgage today!

Let’s plug in some numbers! Take a look at some of your possible scenarios. Calculate your monthly payment and see how the principal is paid over time. For a more accurate quote, contact us today!

~ IMPORTANT ~

The numbers in the calculator are the default numbers. Be sure to enter the correct numbers that are applicable to your loan.

Receipt of application does not represent an approval for financing or interest rate guarantee. An applicant is subject to credit, acceptable appraisal, title, and underwriting approval. Not all applicants will be approved. Other terms and conditions apply. Contact Luminate Home Loans, Inc. for more information and current, up-to-date interest rates.