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Your Home Team For Home Loans

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Your Home

Step onto the court with Robert Coomer, a seasoned coach in the mortgage industry, leading RCG, a team of Luminate Home Loans. Our hand-picked team of all-star loan officers, processors, and support staff bring their A-game, offering expertise and empathy to guide you on your homeownership journey. With a passion for service and a commitment to responsible autonomy, we listen twice as much as we speak, empowering you to slam-dunk your dream of owning a home. Together, let's score big on your path to homeownership!

Conventional Loans

Conventional Loans

We’re here to help you live the dream of homeownership. Whether you’re a first-time home buyer or an experienced homeowner, a conventional loan is a great option. Conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.

FHA Loans

FHA Loans

FHA loans make homeownership accessible and affordable to almost anyone. FHA loans are particularly designed to benefit buyers who do not have perfect credit or a large down payment. So, even if you feel left in the dark with options, we’ll help you light your path to potential options.

VA Loans

VA Loans

Did you know that being a former or active member of the military can help you get a home loan? It’s true! The VA loan is an excellent loan option that assists our Veterans in achieving their homeownership wants and needs. Talk to one of our Loan Officers today to see if you qualify!

USDA Loans

USDA Loans

Finding the right loan can seem overwhelming. If you’re still looking for the right program to suit your needs, we have a variety of home loan options. USDA loans, for example, are great for people that live in low-population areas who typically cannot qualify for a conventional loan. Get in touch with us to see if this is the right loan choice for you.

Down Payment Assistance

Jumbo Loans

Don’t let conforming loan limits keep you from looking at that amazing property. Shoot for the sky with a jumbo loan for up to $2.5 million. Pre-qualify online and put as little as 10% down.


Construction Loans

Always dreamed of building a custom-tailored home?
A construction loan could help to make that a reality.
Learn what construction loans are and how they work.

Our Starting Lineup

Robert Coomer
Robert Coomer
Division President
NMLS #179395
Anyah Ellis
Anyah Ellis
NMLS #1633964
Geoff Green
Geoff Green
Director of Product & Sales
NMLS #881048

    Game-Changing Stories

    Shahin F

    overall great

    Jeffrey M


    Cassidy L B

    It was amazing experience buying my first house. Thank you so much.

    Jaylen K C

    I felt as though communication was lacking. Even though the process was very fast.

    Linda R N

    Such a smooth and pleasant experience.

    David G

    Just dealing with knowledgeable, intelligent, no nonsense people for once was very refreshing. Calls and texts were returned without fail as well. I appreciate the follow through and even the obvious after hours work that takes place.

    Laurence L L

    The many times Ty reached out to us after hours, while he was doing things with his family, and still did his best to keep us informed about the progress of the paper work.

    Grace S

    I started working with Faith almost 2 years before purchasing my home. She helped me get my credit in order so I could get the best deal possible. From start to finish she was there every step of the way to answer all my questions and help ease my anxiety. Every curve ball that was thrown her way she handled like a pro! I will definitely be recommending her to anyone looking to buy a house or refinance their current home!!

    M Nguyen

    We had a wonderful experience with Dave and his team! Buying our first home is always so nerve wracking but from the first day we met Dave we knew we wanted to work with him. He was very thorough in explaining everything and was truly very transparent. Thank you again Dave and team !!!

    Harold Roc R

    Chris provided all of the information necessary and allowed me to make the best decision possible.

    Erin N

    Chris did a great job explaining the process of buying a house for us! He gave clear options to help us find the best route to take with our unique job situation.


    Despite some minor hiccups with underwriting, it was a good experience in general.

    Karla Avielle

    I have nothing but wonderful things to say about Jeff Guillen! He is just the best at what he does. This was my first time buying a home on my own and Jeff navigated me through every step of the way and went above and beyond to get the job done. I give him my highest recommendation!

    Michael W


    Daniel R R

    Brad's knowledge and experience helped me navigate a tough time in my life. I cannot express how grateful I am to have had him on my side during my refinance. His communication was always incredibly fast, efficient and helped me through a pretty difficult transition. Brad, you're a rockstar. Thank you for every text, every call and every email. You made this happen and I cannot express enough gratitude. You're a tremendous advocate and an even better person. THANK YOU!

    Jeramie A

    They made it not so scary

    Eliott Lester W

    Communication was always on point. They were working hard to make sure I was getting what I needed done in order to ensure a speedy and secure close!! Overall, a great experience!

    Jayson L A

    Clear explanations, organization, availability and going above and beyond to dig into our specific needs/situation purchasing a home thousands of miles away. I will not hesitate to suggest Ty and your organization to assist anyone in their mortgage needs. If there is 6 stars out of 5, Ty and his team deserve it. Thank You!

    Kara L V

    Frequent updates on status of loan and assistance understanding the process.

    Food-N -Frass

    James F

    The whole process went seamless from start to closing.

    Anissa F

    Good communication

    Michael A G

    I would recommend Ty’s team to anyone looking to purchase property.

    Phyllis R

    Always outstanding customer facing service. Knowledgeable, efficient and timely experience.

    Sheri C

    The ease of the online application, being able to track the loan through an app, and Derek's outstanding responsiveness.

    Christina M F

    Ty was very knowledgeable and very helpful

    Jay Brian L

    I acknowledge the commitment and level of Service that was straightforward and dedicated which shows a lot of professionalism.

    Sierra Ladygin

    Dave is an outstanding person!! Very fun and of the nicest, kindest, I had a pleasure to work with! Highly recommend him to anyone

    Jose Neri H

    Patience, diligent ,devoted, trustworthy. This is a great team. I was lucky to find them if I move again I will call Sarah and hope she can help me again in my moving experience.

    Alexander H

    As I stated earlier the team made a scary situation of buying a home for the first time look and feel simple.

    Morgan E A

    The organization of everyone made this so seamless and easy. Both Tracy and Leona were able to explain things to us clearly so we would understand. They both were always available to us when we had questions any time of the time. The experience was top notch, we would recommend them to anyone.

    Tasha Ward

    I had the pleasure of working with Dave and I must say, he is absolutely amazing! He has a keen eye for numbers and is dedicated to helping you find the best possible deal tailored to your unique situation, while also presenting other viable options. His patience is commendable, as he took the time to explain every detail thoroughly. His depth of knowledge in the field is impressive, making the entire process smooth and transparent. Moreover, his responsiveness is top-notch; he was always available to address any questions or concerns promptly. I highly recommend Dave for anyone looking for a reliable and knowledgeable mortgage lending agent. I'm so glad we went with him, I can see why he has so many 5 start reviews!

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    Monique Cadieux

    Tracy is amazing! Very patient and great communicator!

    Nicole K S

    Very knowledgeable and kept us in the loop with Fast and accurate process.

    Mike Nguyen

    Embarking on the journey of securing a mortgage can be a daunting task, but with Jeff as my loan officer, it became an exceptionally positive and personalized experience. From our first interaction, Jeff exuded a level of expertise that immediately put me at ease. His deep understanding of the mortgage landscape, coupled with an unwavering commitment to his clients, set the stage for what turned out to be a truly remarkable journey. What truly stands out about Jeff is his unparalleled dedication to his clients. He didn't just assist me; he invested time in understanding my specific needs and financial situation, tailoring his approach to ensure the best possible outcome. Jeff's attention to detail is unmatched; he meticulously explained every step of the process, leaving no room for uncertainty. This level of transparency fostered trust, making the entire process not only seamless but also enjoyable. One of Jeff's standout qualities is his responsiveness. In an industry where time is of the essence, Jeff consistently demonstrated a swift and efficient approach to communication. Whether it was a quick clarification or a detailed explanation, he was always just a call or message away, providing a sense of security throughout the entire process. Moreover, Jeff's genuine care for his clients goes beyond the transactional aspects of the mortgage process. He took the time to listen to my concerns, answer my questions, and offer valuable insights that extended beyond the immediate scope of our collaboration. It's this personalized touch that makes Jeff not just a loan officer but a trusted advisor, someone who genuinely cares about the well-being of his clients. In retrospect, working with Jeff was not just about securing a mortgage; it was about forging a partnership built on trust, expertise, and a shared commitment to achieving financial goals. If you're in search of a mortgage loan officer who combines professionalism with a personalized touch, Jeff is the unequivocal choice. I wholeheartedly recommend him to anyone navigating the intricate landscape of mortgage financing.

    Rob Reimer

    Jeff at Heritage IS the honest straight shooter we were looking for. He got us the loan we needed. Everything went smooth. Jeff stayed in contact with us throughout the process. All questions were answered quick. The normal issues, problems, delays that drive everyone crazy: were kept to a minimum. My wife and I are 100% satisfied- we plan on using Jeff at Heritage for all our family's future loan services. Thank you! Rob Reimer

    Bonnie Ramos

    Jeffrey Guillen of Heritage Home Loans, handled our loan for our home. His expertise and knowledge of the business greatly surpasses any other Loan Broker that we have delt with in the past. He is honest and personable, which are rare qualities in this day and age. We obtained the lowest interest rate at the time we purchased our home. His detail and efficiency helped to process the loan expediently. If you are looking for a Great Loan Broker, look no further, I recommend him in the highest regard.

    Ninny C

    It was a good pace process. I didn't feel pressured or any anxiety while waiting for the updates. I was confident that I was in good hands.

    Jeremy S R

    Staff kept us on track. Experience was easy and painless.

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