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Lumina Blog

Expert mortgage advice, homebuying guides, and financial tips to help you make smarter decisions on your path to homeownership.

All Articles

Rates & Finance6 min read

Understanding Mortgage Rates: What Moves Them and How to Get the Best Deal

Mortgage rates change daily. Learn what factors influence rates, how to lock in a great rate, and strategies to save thousands over the life of your loan.

Lumina TeamNovember 28, 2025
Loan Types7 min read

FHA vs. Conventional Loans: Which Is Right for You?

Comparing the two most popular loan types side by side. Learn about down payments, credit requirements, mortgage insurance, and which loan fits your situation.

Lumina TeamNovember 10, 2025
Self-Employed7 min read

Getting a Mortgage When You're Self-Employed: What You Need to Know

Self-employed borrowers face unique challenges in the mortgage process. Learn about bank statement loans, documentation requirements, and tips for approval.

Lumina TeamOctober 22, 2025
Loan Types6 min read

VA Loans Explained: Benefits, Eligibility, and How to Apply

A comprehensive guide to VA home loans for veterans, active-duty service members, and eligible surviving spouses. Zero down payment and no PMI.

Lumina TeamOctober 5, 2025
Refinance5 min read

Should You Refinance Your Mortgage? When It Makes Sense

Refinancing can save you thousands — or cost you money. Learn when refinancing makes financial sense and how to calculate your break-even point.

Lumina TeamSeptember 18, 2025
Rates & Finance6 min read

How Your Credit Score Impacts Your Mortgage Rate and Approval

Your credit score is the single biggest factor in your mortgage rate. Learn how scores are calculated, what lenders look for, and how to improve yours.

Lumina TeamSeptember 1, 2025
Homebuying5 min read

Closing Costs Explained: What to Expect and How to Prepare

Closing costs can add thousands to your home purchase. Understand every fee, who pays what, and strategies to reduce your out-of-pocket costs.

Lumina TeamAugust 15, 2025

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