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.

Current Rate
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Avg. Approval Time
24 hrs
Lenders Available
50+

Stay on budget — calculate your monthly loan easily

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

$350,000
10 yrs30 years30 yrs
3%6.50%10%
$2,212.24
Monthly Payments
Total Principal Paid$350,000
Total Interest Paid$446,405.71
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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

Ready to start your home journey?

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