Get a Lower Mortgage Rate for the First Year—At No Cost to You!

Ready to Start Saving Today?

Take advantage of this exclusive program today. Fill out the quick form below, and a mortgage expert will be in touch to guide you through your options.

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*Luminate Bank Rate Reduction Program is specific to our Suncoast Mortgage Team. Promotion valid with Conventional, FHA, USDA and VA, Purchase and Refinances. To be eligible for refinance, borrower will have to be in their current loan for at least seven months prior to the closing on the new loans. Promotion is subject to finance program limitations and subject to change without notice, including market conditions and availability. Not an offer to finance. Additional closing costs will apply. Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

Save Hundreds Per Month with Our Exclusive Rate Reduction Program

Buying a home just got more affordable! When you purchase with Luminate Bank, we’ll lower your rate by 1% for the first year—at no extra cost to you.*


Why is it a win for you?

🏡 Lower monthly payments for 12 months
💰 Save hundreds per month
🔄 $1,500 toward refinancing if rates drop

How It Works

  • Buy your home with Luminate Bank
  • Get a 1% lower rate for the first year—no extra cost to you
  • If rates drop, we’ll give you $1,500 toward a future refinance


Who is this for?

  • First-time homebuyers looking for a more affordable way to start
  • Move-up buyers who want lower payments while they settle in
  • Anyone unsure about rates—this gives you the flexibility to wait and refinance later!