We have helped countless individuals and families achieve their dreams of homeownership by providing them with personalized and flexible mortgage solutions that fit their unique needs and budget. Our team of experts understands the local real estate market and has the knowledge and experience to guide you through the entire lending process. Ionee Patel has experience with DACA, ITIN and work permits in English and Spanish.
Whether you are a first-time homebuyer or a seasoned investor, you can trust the Luminate Home Loans to provide you with the support and resources you need to make informed decisions about your mortgage. With our commitment to exceptional customer service and our dedication to helping you achieve your financial goals, Luminate Home Loans is the ideal lending partner for anyone looking to buy or refinance a home in Kentucky or beyond.
Minimum Down Payment: 3 – 5%
Mortgage Insurance: Options W/WO
Years to wait after BK/Foreclosure: 4/7
Seller Concessions: Allowed, % Varies
Gift Funds Allowed
Down Payment Assistance available to qualified borrowers through KHC Loan.
Minimum Down Payment: 3.5%
Years to wait after BK/Foreclosure: 2/3
Limits Apply
Gift Funds Allowed
Seller Concessions up to 6%
Up to 4 Units
Down Payment Assistance available to qualified borrowers through KHC Loan. Loan limits apply.
Minimum Down Payment: 0%
Years to wait after BK/Foreclosure: 2/3
Income & Availability vary geographically
Must serve as Primary Residence
Sellers Concessions Allowed
Mortgage Insurance Applies
Down Payment Assistance available to qualified borrowers through KHC Loan.
Minimum Down Payment: 0%
Seller Concessions up to 4%
Years to wait after BK/Foreclosure: 2/2
Up to 4 Units
No Monthly Mortgage Insurance
Funding fee waived if receiving VA Disability Benefits.
Down Payment Assistance Available to qualified borrowers through KHC Loan.
As a preferred lender with KHC – we’re here to help you utilize the great programs offered.
Down Payment Assistance available for qualified buyers up to $10,000.
Our team is here for all your lending needs, no matter where you are in the United States!
Whether it’s a second home, an investment or a vacation spot, you should call us now to learn what options are available.
We would love to hear from you and answer any questions you may have. If you would like to speak with one of our mortgage lending experts, you can contact us by phone, email or by visiting us. Our knowledgeable and friendly team is always here to help you with your lending needs.
444 Lewis Hargett Circle, Ste. 220,
Lexington, Kentucky 40503
Luminate Home Loans has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time, changes may be made to the content of this site without notice. Luminate Home Loans may change the products, services and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it, and decisions based on information contained on our site are your sole responsibility. If you are an individual with a disability who needs accommodations or you are having difficulty using our website to apply for a loan, please contact us at (859) 217-2202. This contact information is for accommodation requests only.
Luminate Home Loans is an equal opportunity employer and encourages women, minorities, persons with disabilities and veterans to apply.
Luminate Home Loans is not affiliated with any government agency. Member FDIC.