Your home loan partner for the long run.
From your first quote to closing day — and every refinance and purchase after — we're the team that knows your goals and has your back. We shop 40+ lenders to earn you a better rate, and guide you every step of the way.
- No credit impact to start
- Close in as few as 15 days
- Real human advisors
Get your free rate quote
See your options in minutes — no obligation.
Simple, transparent, fast
How it works
Tell us about your goal
Answer a few quick questions — about 2 minutes, no credit impact.
We shop the market
We compare offers across 40+ lenders to find your best fit.
You choose & we close
Review your options with a real advisor and close in as few as 15 days.
Loan options
The right loan for your situation
Whatever you're buying or refinancing, there's a program that fits. We'll match you to it.
Conventional Loans
Great rates for strong-credit buyers
Best for: Buyers with solid credit and steady income
Learn more→FHA Loans
Lower credit & down payment friendly
Best for: First-time buyers and those rebuilding credit
Learn more→VA Loans
$0 down for veterans & service members
Best for: Veterans, active duty, and eligible spouses
Learn more→Jumbo Loans
Financing above conforming limits
Best for: Buyers of higher-priced or luxury homes
Learn more→Refinance
Lower your rate or tap your equity
Best for: Homeowners lowering payments or pulling cash out
Learn more→DSCR Investor Loans
Qualify on rental income — available nationwide
Best for: Real estate investors & rental property buyers
Learn more→Try it yourself
Estimate your monthly payment
Move the sliders to see what a home could cost — then get your real, personalized rate.
- Principal & interest
- $2,275
- Property taxes (est.)
- $413
- Homeowners insurance (est.)
- $131
- Loan amount
- $360,000
Estimates only, for illustration. Taxes and insurance vary by location. Your actual rate and payment depend on credit, loan program, and other factors.
Don't take our word for it
Rated 5.0★ on Google by our clients
“Through LumaLend I was able to compare multiple mortgage companies without multiple credit pulls. They advocated for me to make sure the offers were highly competitive and found the most affordable option available. Thanks to Rosie, my family and I are in our forever home.”
“Officially a first time home owner thanks to Anthony — him and his team went above and beyond to make sure I secured my home for my family. Super reliable and dependable, top tier quality service. If you're reading this, don't think twice about it!”
“Rosie, the owner of LumaLend, goes above and beyond! She is extremely knowledgeable and always takes the time to answer all of my questions. She made the mortgage process simple and stress-free with her expertise and support. Highly recommend!”
“Rosie and Sarah were both ideal in the purchasing process of my new home. Every situation or circumstance that arrived, they handled timely and fluently. They assured me I had nothing to worry about — and delivered.”
“I had the absolute pleasure of working with Rex on my loan. His response time, patience, and ability to walk us through our first home-buying experience was nothing short of incredible. We'll continue using LumaLend on all our future investments.”
“Sarah from LumaLend was on top of her game! She gathered the docs timely, was quick to answer my questions, and reduced anxiety with her empathetic customer service. Thank you for making this loan process seamless and efficient.”
Verified 5-star reviews from our Google Business Profile.
Questions? Answered.
Frequently asked questions
Does getting a quote affect my credit score?+
No. Getting an initial quote and exploring your options does not impact your credit. A full application later involves a credit check, and we'll always tell you before that happens.
How are you different from my bank?+
A bank can only offer you its own products. As a broker we shop 40+ lenders and pass you the most competitive offer — often at a lower rate than a single bank can match.
How much does it cost to work with you?+
Getting a quote and guidance is free. Any costs associated with your loan are disclosed clearly and up front — no surprises.
How fast can I close?+
Many of our loans close in as few as 15 days once your documents are in, though timelines vary by loan type and property.
What credit score do I need?+
It depends on the program. Conventional loans typically start around 620, FHA can go lower, and VA is flexible. We'll help you find the program that fits your profile.
See what you qualify for
It takes about 2 minutes and won't affect your credit. Your options, no obligation.