AI-Powered Mortgage Platform

A smarter way to find
your perfect mortgage

Compare rates from top lenders instantly. Our AI analyzes your profile to find the best loan options tailored just for you.

Equal Housing Opportunity
NMLS #1631748
Federally Registered

Current 30-Year Fixed

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Source: FRED • Updated 3/1/2026

Stay on budget — calculate your monthly loan easily

Use our calculator to estimate your monthly payments and plan your home purchase.

$350,000
$50k$1M
3%6.50%10%
$2,212.24
Monthly Payments
Total Principal Paid$350,000
Total Interest Paid$446,405.71

Power your home purchase with smarter financing

From pre-approval to closing, unlock tools that help you move faster, save more, and stay in control of your mortgage journey.

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Happy Homeowners
Smart Loan Products

Unlock a mortgage experience that adapts to your lifestyle.

The more you share about your goals, the more personalized recommendations you unlock — with built-in flexibility at every stage.

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Personalized Experience
Why Choose Us

Why Lumina?

Traditional mortgages are broken. We fixed them with technology.

Instant Pre-Approval

Fill out our smart application and get a verified pre-approval letter in under 3 minutes.

Compare 50+ Lenders

We scan top lenders to find the exact mortgage solution that fits your financial situation.

100% Digital Process

Upload documents, sign digitally, and track your progress from your dashboard.

Our Products

Loan products for every situation

Whether you're a first-time buyer, investor, or looking to refinance, we have the right loan for you.

Conventional Loans

Traditional financing with competitive rates

FHA Loans

Low down payment options for first-time buyers

VA Loans

Exclusive benefits for veterans and service members

Jumbo Loans

Financing for high-value properties

Bank Statement Loans

Alternative documentation for self-employed

Investment Properties

Financing for rental and investment homes

Now Serving Florida

Looking for the best mortgage rates in Florida?

Compare rates from 50+ lenders across Miami, Tampa, Orlando, Jacksonville, and all of Florida. Get pre-approved in minutes.

Ready to start your home journey?

Get pre-approved in minutes. Compare rates from 50+ lenders. Close faster with our fully digital process.