At Luminate, we want to get you into your dream home in this competitive seller’s market. We’ll take the time to strategize and make sure your offer stands out to help you win.

Below, you’ll find some strategies we’ll use to ensure you stand out!

  • Get fully preapproved
    • At Luminate, we provide a solid preapproval based on a underwriter’s review of your income, assets and credit. This puts you in the most strategic position.
  • Appraisal waivers and gap guarantees
    • With the low inventory, and a seller’s market, many homes get offers above the list price. This can be nerve wracking for sellers, but we will show you how waivers and appraisal guarantees work!
  • Fast Close
    • We can close a loan in 21 days – most of our competitors need 30-45 days.
  • Earnest Money
    • Usually 1%, but sometimes it helps to offer more
  • Inspections
    • You can offer a short inspection period, pass/fail, or promise not to ask for anything below “x” amount
  • Phone Call to Agent
    • We will call the listing agent to inform them of your preapproval status, answer questions, affirm how a direct lender like Luminate delivers on time. Luminate has a stellar reputation for delivering, communicating and being strategic for our clients.
  • Options for Down Payment
    • Savings, checking, stocks, bonds, 401k loan, gift funds
  • Strategic

We discuss how to put you in the best position possible based on your unique situation to win!

Ready to get started? Reach out today! We’re here to help!

Tim Erickson
P: (652) 451-2273

Mark Henderson
P: (651) 398-3477