News & Updates


Man and child decorating a Christmas tree, smiling and laughing. Lit tree, ornaments, indoors.
By Luminate Marketing Team December 8, 2025
To help you feel confident this season, here are the top three housing market questions people are asking right now with clear, fact-based answers.
Black box filled with rolled Euro bills and coins. A green key hangs above the box.
By Legacy Mortgage Division November 26, 2025
Some believe that the government’s support is what made 30-year mortgages a legitimate option. But could that future be guaranteed for the 50-year mortgage?
Pennies spilling from a glass jar tied with twine on a dark surface.
By Luminate Marketing Team November 21, 2025
The U.S. is phasing out the penny by 2026. Learn how this change affects cash transactions, banking, mortgages, and what Luminate Bank customers should expect.
People walking on a city street, with circular data visualizations hovering above their heads, displaying scores in varying colors.
By Luminate Marketing Team November 14, 2025
Big news for homebuyers: You may be able to qualify for a home loan even without a credit score. Here’s what “no credit, no problem” really means for you.
Padlock and keys in front of the American flag.
By Luminate Marketing Team November 7, 2025
History shows the housing market bounces back quickly after a government shutdown. See what the numbers say and what to expect.
Houses with price tags in the sky, blue sky with white clouds.
By Luminate Marketing Team October 31, 2025
“Let’s price high and see what happens.” In today’s shifting market, that strategy can backfire fast.
Miniature house surrounded by wooden blocks with question marks.
By Luminate Marketing Team October 23, 2025
From reverse mortgages to financing acreage, get straight answers to special mortgage situations buyers face.
Man offering salad to laughing woman in a kitchen, bright sunlight, casual attire.
By Luminate Marketing Team October 17, 2025
Wondering if rates will rise or if you should remodel before selling? Get expert insights to time your next move.
Hand putting coin into a clear piggy bank, money on table.
By Luminate Marketing Team October 10, 2025
Welcome back to our Homebuyer FAQ Series, a four-part October blog series where we’re answering real questions from real consumers about the mortgage and homebuying process.
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