Loan Resources


Loan Options

Conventional Loan

Helping you live the dream of homeownership. For first time buyers to experienced home owners: Conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.


  • 3% payment required
  • Minimum credit score of 620

FHA Loans

Making home-ownership accessible and affordable. The FHA loan is a great product that helps many people become homeowners. FHA loans are particularly designed to benefit buyers who do not have perfect credit or large down-payment.


  • Great for first time home buyers
  • 3.5% down payment required
  • Minimum credit score of 600
  • 6% sellers assist allotted

Veteran Loans

Let your military service get you a home. The VA loan is an excellent loan option that assists our Veterans with obtaining home-ownership.


  • Great for active military and veterans
  • No down payment required
  • Minimum credit score of 620

USDA Loans

The USDA home loan program helps lenders work with low and moderate income families living in rural areas to make home ownership a reality. Providing affordable home ownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.


  • Great for first time home buyers
  • No down payment required
  • Minimum credit score of 620
  • Low fixed rate
  • Low monthly mortgage guarantee fees

Items Needed for Pre-Approval

  • W2s from the last two years 
  • 1040 Federal Tax Returns from the last two years (all pages) 
  • If you are a business owner, you will need business tax returns and K1s 
  • 2 most recent paystubs 
  • 2 months of recent statements for all assets (checking, savings, money market, retirement, etc.) 
  • Driver’s license or passport 
  • Other documentation may include: offer letter for employment, school transcripts, social security or pension award letters, divorce decree, bankruptcy papers, short sale documentation. 


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Want your free guide to our mortgage loan process?

The mortgage loan process can seem complex. Luminate and Nick Teitjen want to ensure you feel educated as you move through the process. This resource packet will outline the steps you will take with Luminate as you work towards your mortgage loan.


And the best part? It's free for you to download any time! Simply input your info below to get access.

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