Servicing
At Luminate Bank®, we believe your mortgage experience doesn’t end at closing—it’s just the beginning. Our Servicing Department is here to provide personalized support, quick responses, and clear guidance for any questions you have along the way.
We know that when your loan is transferred to a new servicer, it can bring up a lot of questions. That’s why we take pride in making the transition as smooth as possible, ensuring you feel informed and confident every step of the way.
Whatever you need, we’re here to help. Let us know how we can support you today!
Make a Payment
This option is only available if your next payment is due within the next 10 calendar days to Luminate Bank and/or if you've received a statement from Luminate with your login credentials. If that applies to you, click below to proceed.
Qualified Written Requests:
To submit a qualified written request to Luminate Home Loans you must include your name and account number, and your reasons for the request (e.g., detail regarding information you seek related to the servicing of your loan, or statement of reasons for your belief that the account is in error) and mail the request to:
Luminate Home Loans, Inc.
Attn: Mortgage Servicing Department
2523 S. Wayzata Blvd., Suite 200
Minneapolis, MN 55405
Have a servicing question? We have the answer!
If you are unable to resolve the issue or need additional clarification, you can always reach out to us at servicing@goluminate.com and we will do our best to assist!
Who are we?
At Luminate, we believe financial clarity is the key to unlocking your full potential. Our mission is to make lending approachable by bringing transparency, consistency, and guidance to every step of your journey.
Whether you're a first-time homebuyer, refinancing, or navigating a unique situation, we’re here to help you understand your options—so you can move forward with confidence and make the best decision for your future. Your dream home starts with the right loan, and we’re here to make that happen.
What happens next?
Congratulations! You are one step closer to becoming an official homeowner. Now that you have closed on your loan, you will receive a few letters confirming a couple things:
- The owner of your loan.
- Any details surrounding the servicing.
We understand that this process may get a little confusing but no worries, we are here to help you!
Contact us at servicing@goluminate.com with all questions you may have.
When is my first payment due?
Your first payment due date is outlined in your closing documents, along with a First Payment Letter included in the copies you received at closing. Additionally, you’ll receive a billing statement before your first payment is due, detailing where and how to make your payment.
Your loan may be serviced directly by Luminate or transferred to another servicing company. If you have any questions, we're here to help!
Can I make payments online?
Online payment options depend on who owns your loan. If your first payment is due to another servicing company, your welcome package and/or billing statement will include details on available payment methods.
If you have any questions, we’re here to help!
Where do I send my first payment?
Where you send your first payment depends on the timing of your loan closing. Within 15 days of closing, you’ll receive a letter from Luminate Bank Servicing with details on where to send your payment—whether it's directly to Luminate or another servicing company.
If you have any questions, we're here to help!
Who can I call to help?
For the fastest resolution, we recommend reaching out to your designated servicer first, as they are the best resource for your loan.
If you need further clarification or are unable to resolve the issue, we're here to help! You can contact us at servicing@goluminate.com or call 1-866-830-7156, and we'll do our best to assist you.
What does a mortgage servicing company do?
A mortgage servicer is responsible for three key functions:
- Payment Processing: Collecting mortgage payments and remitting them to the appropriate investor or agency based on their specific requirements.
- Compliance & Servicing Standards: Ensuring all mortgage servicing follows investor and agency guidelines, which can be extensive—some government mortgage programs have servicing requirements that span thousands of pages.
- Escrow & Account Management: Managing escrow disbursements to third parties, providing billing statements and annual tax forms, and handling collection or loss mitigation services when necessary.
If you have any questions about your loan servicing, we're here to help!
How do I contact the company that has my loan?
Your servicing company will send a welcome package by mail (and possibly via email) with contact details and instructions for registering online.
If you don’t receive the welcome package or misplace it, don’t worry—we’re here to help! Email servicing@goluminate.com for assistance.
Have a question or concern for our team?
We're ready to help!
COMPANY
Luminate Bank
NMLS# 1281698
