In today’s unpredictable economy, investors are asking a big question: Where can I build real, lasting wealth? At Luminate Bank, we believe the answer is clear: real estate.

With inflation pressures, interest rate shifts, and global tensions making headlines, it’s more important than ever to make smart, stable financial decisions. Your money deserves a home that grows with you—and that’s where real estate comes in.

From first-time homebuyers looking to stop renting to seasoned investors expanding their portfolios, real estate offers powerful advantages over the stock market—especially in 2025. Let’s take a closer look at why now is the time to make your move.

The Stock Market's Recent Volatility

The start of 2025 has been anything but smooth for Wall Street.

In early April, major U.S. stock indexes dropped sharply:

• The S&P 500 slipped 2.2%
• The Dow Jones fell 1.7%
• The Nasdaq tumbled 3.1%

These drops followed the announcement of new U.S. tariffs and trade policies, which triggered investor uncertainty and market sell-offs.

But that was just the beginning. By mid-April:

• The Nasdaq had declined 15.6% YTD
• The Russell 2000, which tracks small-cap stocks, was down 16.4%

And this isn’t just a short-term dip—it’s part of a broader pattern of volatility that has left investors wondering what tomorrow will bring. Between sudden drops, algorithmic trading, and emotional reactions to headlines, the stock market can feel like a guessing game.

Real estate, on the other hand, doesn’t panic. It builds value methodically, and often in direct response to supply and demand—not speculation.

Real Estate Delivers Steady, Competitive Returns

Real estate offers something stocks simply can’t: predictability with the potential for growth.

While the average annual return for the stock market is around 10%, that number doesn’t show you the full picture. Returns fluctuate widely year to year, and timing the market is incredibly difficult—even for pros.

Real estate? It tends to move at a steadier pace. And when you zoom out, the results speak for themselves:

• Home prices have increased consistently over time, with the median U.S. home price rising by more than 100% over the past 20 years.
• Rental properties and REITs (Real Estate Investment Trusts) have shown average returns between 8–17%, depending on the sector and time horizon.
• Unlike stocks, real estate generates both appreciation and income—you’re building equity and collecting rent at the same time.

Real estate isn’t just about the numbers. It’s about control. You decide where to buy, how to manage the property, and how to grow your investment. That kind of hands-on wealth-building just isn’t possible with traditional stocks.

Real Estate Builds Wealth You Can Live In

One of the most compelling reasons to invest in real estate? You can see it, touch it, and live in it.

This isn’t an abstract portfolio. It’s a property with real value and practical uses. It’s a place to live. A way to create passive income. A legacy to pass down. Real estate puts you in control of your financial future—and gives you something you can actually use while it appreciates.

1. Stability in Uncertain Times

Home values don’t swing with the latest headlines. Even in turbulent economies, real estate tends to maintain or increase in value over time. That’s because people always need homes—whether they’re buying or renting. It’s a foundational part of the economy that remains essential, no matter what the markets are doing.

2. Leverage to Accelerate Growth

You don’t need to pay the full purchase price to own real estate. Through financing, you can leverage your investment. That means putting 5–20% down on a property that may appreciate significantly over time—growing your equity far beyond your initial investment.

Plus, your tenants can help pay off your mortgage through monthly rent if you choose to lease the property. It’s a wealth-building strategy that works harder for you.

3. Tax Advantages

Homeownership and investment properties come with significant tax benefits. Deductions for mortgage interest, property taxes, and depreciation can substantially reduce your taxable income.

4. Protection Against Inflation

Inflation eats into your savings and makes everyday expenses more costly. But real estate often moves in the opposite direction—as inflation rises, so do home prices and rents. That means your investment not only keeps up with inflation—it can outpace it. Your real estate grows while your purchasing power stays strong.

How Luminate Bank Can Help You Get Started

You don’t have to do it alone—and you don’t need millions in the bank to begin.

At Luminate Bank, we specialize in helping everyday buyers and investors take meaningful steps toward real estate ownership. Whether you're just starting out or scaling up, we have lending solutions that fit your goals, timeline, and budget.

Here are just a few ways we can support you:

• First-time homebuyer programs with lower down payment options
• Down payment assistance to make your move more affordable
• Investment property loans for your next rental or flip
• FHA, VA, Jumbo & Conventional options
• Custom strategies for investors with unique income or credit profiles

Our local loan experts understand your market and walk with you every step of the way. From pre-approval to closing, you’ll have a trusted guide who can help you make smart moves—now and for the long term.

Ready to Build Wealth You Can Live In?

If you're looking for something more reliable than stocks—and more impactful than savings accounts—real estate could be the missing piece in your financial puzzle.

With Luminate Bank, you’re not just getting a mortgage—you’re gaining a team that believes in empowering your future. You deserve more than volatility. You deserve value that grows with you.

Connect with us today to explore your options, ask questions, and take the first step toward lasting wealth.