Lumina Mortgage offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

First Time Buyer?
Buying your first home can be very exciting, but we understand the stress that can also accompany this excitement. At Lumina Mortgage, we are very experienced with first time home buyers, and we have a variety of mortgage options for you to choose from: , VA (Department of Veterans Affairs, for eligible veterans), Rural Development/Farmer's Home (zero down payment, you do not have to be a farmer) and 3% Down Conventional (low income, non-government loan, great for those with good credit).


A "Second Home" (vacation home) is defined as a residence that the owner uses secondary to his/her private residence. The most common use of this type home is as a vacation home; however, sometimes a person who works in the city but maintains his/her primary residence in a distance suburb will have a second home in the city for convenience. To qualify as a second home, the owner must stay in the home 14 days or more each year. The home does not have to be in a resort area. Second homes may not be leased or rented other than on an occasional basis.


The FHA (Federal Housing Administration)
This loan is the most flexible loan available for home buyers. FHA loans are particularly good for first time buyers, as they allow for a minimum down payment (less than 5%), offer both fixed rates and ARMS (adjustable rate mortgages), accept less-than-perfect buyer's credit, and allow all closing funds (down payment, closing costs and pre-paid) to be a gift.


Veteran's Loan
If you served in the military and are purchasing a home, you may be eligible for a VA loan. A Veteran is a person who served in the active military, naval or air service, and who, except for a service member on active duty, was released from active duty under conditions other than dishonorable. The spouse of a deceased veteran or active duty service member may also be eligible for a VA loan.


Refinancing?
If you are considering refinancing your home, Lumina Mortgage is here to help. If you have some equity in your home and you have accumulated bills with high interest rates, perhaps you should consider Debt Consolidation. If you need money to fix up your home, buy another home, buy a car or other considerable purchase, our Cash Out loan can help you.


Investment/Rental Property
Any property owned for the purpose of generating income and as a long term investment for the owner is an Investment/Rental Property. The owner does not live in the home. 


No Income Verification Loan
If you are purchasing a house but are having trouble finding a loan because your income is difficult to verify, our No Income Verification Loan may be your solution. This is a conventional loan designed for the customer whose income is difficult to assess or varies from year-to-year, for example, customers who are self-employed, work several jobs or do contract work.


Lot Loan
A lot loan is a loan to buy a residential lot. We have lot loans that require as little as 5% down and with terms up to 20 and 25 years. We offer loans for up to 95% of the value, with fixed rates as well as adjustable rates and balloons. If you are purchasing a lot and have any questions about your mortgage options, feel free to contact us.