Get In Touch With Our Team
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!
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 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.
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!
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.
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.
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
Everyone was very diligent
Pleasant, experienced people
How everyone made sure they helped me out as much as possible.
Not only Court but the whole team, the team that you dont see, talk to, or hear about are awesome! I know there is a lot more people behind the scenes working on my paperwork and if Court is the best, that says a lot about his team. They really work well together. I was really on a time crunch and the whole team worked efficiently, fast, very knowledgeable, they know their job and know how to explain it to people who don't understand it and do not make you feel stupid for asking questions. And trust me, I asked a lot of them! Thank you very much Court and your team you guys really came through for me and my mom when we needed it the most and help me through probably one of the hardest times in my life. You guys are the best. Very caring and understanding people. Love you guys thanks again!
The team helped me resolve requests for documentation
We felt like you guys really had our backs through this process every step of the way. Really working to get us the best rate possible at a time when rates are terrible. The time between pre approval to closing was only about 6 weeks, but you were on top of it and made it a seamless and comfortable experience for us first time home buyers.
Everyone was so helpful and always had our best interests in mind. The communication was great and we always felt everyone was the to help at any time. It was a very great experience and I would recommend the entire team to anyone that I know.
Appreciated the team's expertise and service!
I had a very difficult loan and Todd stuck it out through all the mess and was able to get it done.
We were first time home buyers so we were totally new to the process. Michael and Faith really made it easy to understand how everything works, what our options were and made us feel comfortable with some pretty big decisions. I would recommend our team to anybody who is looking for a home loan.
Both Mike and Faith were super communicative and supportive through the whole process. Home buying can be so stressful and overwhelming, but their guidance, expertise, and support made everything better!
Working with Marla was unbelievable. She had great communication from the application process to closing. Also Shawn’s input was well received and I am glad that they both took the time to explain every step due to my wife and I being first time home buyers. Thank you Luminate home loans for a great lending experience.
They kept me up-to-date on what was needed and when, along with the progression behind the proverbial scenes.
The lending office could have accepted my written document that I was getting a loan for an owner occupied home and left it at that. Having an appraiser come into my home and take pictures of my bedrooms and other private places was extremely invasive, and very triggering. As a domestic violence victim, my privacy is extremely important to me and for the lending team to INSIST on something so ridiculous was utterly unnecessary. The appraiser told me that never in her 25 years had she ever had to do such a thing. I will never do business with Luminate again for this reason nor will I suggest anyone else I know do so.
Honest people Helpful Good advisors
The quick response and the good advice and follow up
Chris was in constant communication with me throughout the process. Very knowledgeable and experienced, he explained every step to me and was very supportive and patient with me.
chris's knowledge , his efficiency ,attention , speed ,every aspect was great , working with him was easy johvonn zito
We’ve worked with Ty three times now and would do it again. He gives great advice and goes above and beyond the minimum attention needed to get the results we desire.
Professional, knowledgeable, excellent follow-up
The team was wonderful and patient with me, despite my chaotic and busy schedule. Very knowledgeable and overall just stellar performers.
Smooth had all my questions answered.
Tony was wonderful, the underwriter made it more then difficult
Todd and his team were in constant communication with me at all times. We had a deadline close date and everyone from Todd to title company to the notary were attentive, worked hard, and made the tight deadline possible.
There was constant communication from beginning to end from all team members involved! They always answered their phones when we called or had an emergency situation whether it was the weekend and even when team member Brian was in Hawaii on vacation lol. Honestly, that just shows their level of dedication and commitment to their clients and I will be referring everyone to them because their level of “care” is there for each client! They genuinely HELP people! Thank you for everything RCG team! Y’all absolutely Killed it in every department!
Being first time home buyers, we were a little confused at first. Luckily we found LUMINATE Robert Coomer and his Team McKayla, Sydney which made the process much easier than we had been anticipating. Any questions we had were answered quickly and efficiently. We both are very happy with our first home and couldn’t have been more pleased with the service. We thank you for the time and effort you spent with us, making our first experience as easy as it was! I definitely recommend LUMINATE to anyone and would not hesitate to use again for ourselves.” Robert-McKayla-Sydney they did AMAZING job through this process...Thank you so much from our Family!
Trying to buy a home in a market that was such a seller’s market for the last couple years along with home prices being exorbitantly high made it difficult for me as a first time home buyer. Connie always made me feel that she was doing all she could for me and gave me positive encouragement to believe that I would find a home.
Everyone on the loan team made the home buying process very manageable. It was smooth, straightforward, and easy to understand what was happening the whole time. Todd is very knowledgeable and prompt in his correspondences.
My overall experience was great, from the initial consultation with ty ,working with staff at first American title, to the closing process, everything is spot on
Again, wonderful to work with Ty again. He’s very personable, very sharp in mortgage knowledge, answers calls himself, is very clear on the loan process and where everything is time wise, and quick to respond to emails. I’ve referred a friend to him already and she too is pleased. Heritage made me feel like a person—- not a number or just a paycheck.
Court was always willing to answer questions and made it easy to move through any new information
Third time I've used Tim and his team. This time was to refinance and manage my debt, didn't make me feel bad and was set on helping me financially. Would recommend 10/10
From start to finish the team was helpful, understanding, and informative. They went the extra mile to make sure that we were able to buy our new home. I cannot thank you all enough.
We transferred from another lender who dropped the ball at the final hour, and our team was right there to pick the ball up and get us across the goal line. I went from never really knowing where we were in the process with the previous lender, to having immediate communication and collaboration with Chris and Matt. They were on top of everything and not only made sure we were educated, but also worked flawlessly with our agent to ensure we were advocated for and all parties were at ease with the sudden change. I signed papers today, and I wasn’t surprised by a single thing in front of me. I went into this with complete transparency from my team and I’m left with nothing but gratitude. The communication throughout the process was top notch, and I can only express how much I appreciated the teams commitment to helping us in every facet of the process.
Having a team of people committed to guiding us through all the facets of the loan process and the overall enthusiasm towards helping us achieve our goal. Their commitment to getting our loan to close on time and every positive interactions we had whether it was over the phone, text, or email. Heritage Home loans will remain as our go-to for any future mortgage purchases as well.
Like I said before, Tony and his team were outstanding and very patient. This world and life is Go Go Go and even though this is finances and lively hood, they gave me peace and calm consistency throughout this process..
Darren.... That is the only thing that made it a great experience. point blank! Darren was it!