It’s not just about buying a house—it's about lighting your way home.
Ready to make your homeownership dreams a reality? Luminate Bank is here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment to making the process smooth and clear.
Hi, I'm Matt!
a relationship builder at heart and someone who’s passionate about helping families achieve their dream of homeownership.
Before entering the mortgage world, I spent over 16 years in the technology and telecom industries, where I learned how to truly listen to people, understand their needs, and deliver solutions that made a measurable difference. Now, I bring that same commitment, attention to detail, and drive for excellence to every client I serve in the mortgage industry.
But beyond the numbers and loan programs, my faith is what truly guides me. I believe God has called me to use the gifts He’s given me to serve others — to lead with integrity, compassion, and purpose. Every client interaction is an opportunity to care for people the right way, to help them feel informed, confident, and cared for through every step of the process.
When you work with me, you’ll find someone who’s not just your lender, but your partner — someone who’s honest, accessible, and deeply committed to helping you reach your goals.
>> Our Products
Conventional Loans
Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.
FHA Loans
FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.
VA Loans
VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.
USDA Loans
USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.
“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”
Qaiser
“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”
Evan
“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”
Joan
