With Luminate Home Loans, Your Dream Home Is Closer Than You Think!
Buying a home doesn’t have to mean draining your savings or waiting years to save for a 20% down payment. With down payment assistance programs, you could get down payment to help make homeownership a reality.
At Luminate Home Loans, we’re here to make the process simple, stress-free, and tailored to your unique situation. Let’s explore some of the incredible programs available:
MN Housing
Minnesota Housing first mortgage program that offers up to monthly payment loan up to $18,000 and deferred payments up to $16,500.*
*Programs also available for non-first-time homebuyers.
Luminate PATH
The Luminate PATH National DPA program offers up to 5% assistance for any buyers, with no income restrictions, and available nation wide (except NY).*
*Programs also available for non-first-time homebuyers.
One+ Program
Get up to $7000 for your down payment or
closing costs and put as little as 1% down.*
*Programs also available for non-first-time homebuyers.
Ready to unlock your dream home? Fill out the form and we'll be in touch soon!
Credit Challenges? We’ve Got You Covered
If your credit feels like a roadblock, let’s turn it into a stepping stone. Understanding your credit and improving it can open new doors—literally. We’ll help you figure out where you stand, what lenders look for, and how to make progress on your credit journey.
Here’s how we help:
- Decode your credit report so you can see where you’re starting.
- Offer practical tips for improving your score, like reducing balances, disputing errors, and building positive payment history.
- Identify programs that work for your unique situation, so you feel empowered no matter your credit story.
Your credit challenges don’t define you, and they certainly don’t define your future. Let’s work together to make homeownership a reality.
How Does Down Payment Assistance Work?
For many families, saving for a down payment is the biggest hurdle to homeownership. That’s where these programs shine—helping cover upfront costs like down payments and closing fees so you can focus on finding the perfect home.
Some programs require as little as a $500 deposit, making homeownership achievable without draining your bank account.
Your Dream Home is Waiting
At Luminate, we see more than where you are—we see where you’re headed.
Homeownership isn’t just about having a roof over your head; it’s about building a future that reflects who you are. It’s about creating a space that feels like home—a place for memories, growth, and endless possibilities.
No matter where you’re starting, your journey matters.
Let’s turn your dreams into a home and your aspirations into reality. Because when it comes to your future, there’s no better time to begin than today.
We’ve been helping people like you achieve their homeownership dreams for over 25 years.
This is a loan production office of Luminate Bank.
1720 Adams Street, Suite 100
Mankato, MN 56001
Office Hours: By Appointment Only
