Your River Valley Homeownership Journey Starts Here

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Hi, I'm John (Huddy) Hudson

Mortgage Branch Manager | NMLS#   1270806

I love applying my knowledge and experience to unique situations and helping my customer get the best mortgage product for their needs and for them to have an amazing experience along with it!

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What Our Clients Have to Say

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A woman is holding a sign that says `` happy buyer ''.

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Conventional Loans

Conventional loans at Luminate are a great option for many homebuyers since they are flexible as far as properties you can choose from, fees, and loan structures available.

FHA Loans

FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment or have a less than ideal credit score. FHA loans are much easier for most homebuyers to qualify for.

VA Loans

Have you served in the military and are searching for a home loan that’s right for you? Because of your service history, you may be able to qualify for a VA home loan to make your home hunt easier.

USDA Loans

A USDA loan is a mortgage loan option offered to rural property owners by the USDA. This loan option is great for anyone living in the rural areas of the United States that may have a lower income.

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Ready to get started?

The home loan process doesn't have to be scary. Our team is here to help! All it takes is the following few steps:

  • 1. Tell Us About You

    Talk through your goals and timing, so that together we can decide which loan option is the best fit for you.

  • 2. Fill Out the Application

    Gather your financial details and complete your loan application to start the pre-approval process. We're always here if you have any questions.

  • 3. Get Pre-Approved

    Once your application and credit report have been reviewed, you will receive a pre-approval letter to get out there and start your home search.

  • 4. Start Shopping

    Now that you're outfitted with a pre-approval letter, your budget, and information about the loan process, you're ready to get out there an start shopping from a home.

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