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Buy Your Next Home With Confidence & Peace Of Mind.

We help home buyers simplify the confusing and stressful process of securing a mortgage with a holistic & hand-crafted home loan experience.

Download Our Home Buyer's Checklist

20+ Years 





Our Mission and Values

If you’re unprotected, you leave EVERYTHING exposed. That’s why we provide a holistic & hand-crafted home loan experience that understands the full scope of your financial needs so we can find the perfect loan for you.

Unlike other mortgage lenders, we don't care about what our clients "qualify" for, we care about when they can "afford" to repay. Because you’re not just applying for a loan, you’re securing a home.

Securing a home shouldn't feel so intimidating.


Whether you're buying your first home or adding to your property portfolio, we offer courses and consulting to help you with every step of applying for and securing a mortgage so you don't feel like you're doing this alone.

3 Ways to Get Started

Download Our Homebuyer Checklist

No confusing terminology or jargon. Just clear & simple steps you can take to start the process of being a homeowner.

Download Checklist

Take a Course

Learn at your own pace and educate yourself on the entire process of applying for and securing a mortgage you can confidently pay down.

See All Courses

Hire Us 

Our team will guide you throughout our entire handcrafted home loan process. From budgeting all the way to getting you approved with those house keys in your hands.

View Our Step By Step Process

We care about our clients, a lot.


John C.


As first time home buyers, my wife and I were presented with loads of confusing jargon, processes, and emotions especially with COVID affecting everything. It definitely helped to have someone as amazingly accessible, trustworthy, and sharp as Mike Aning on your home purchasing team. [...] Among the hundreds of decisions you'll have to make when purchasing a house, you and your partner (and your real estate agent!) won't go wrong choosing Mike Aning as your loan agent.

Truc B.


My husband and I are now first time homeowners! All thanks to the help of Mike and his team :) During that time, we had a lot going on with our finances due to a wedding, existing car payments, and residual loans so we concluded it wasn't the best time to move forward with a mortgage. Mike and his team never made us feel as if we wasted their time but instead gave us solutions to increase our affordability as well as a budgeting worksheet to help us get on track.

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Copyright © 2023 Luminate Home Loans, Inc. | NMLS #150953 |For licensing information, go to: | Please review our Disclosures & Licensing information. | Luminate Home Loans, Inc. is a wholly-owned subsidiary of Luminate Bank. Equal Housing Lender. For further information about Luminate Home Loans, Inc., please visit our website at Luminate Home Loans, Inc. NMLS#150953. Corporate Headquarters, 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. For licensing information, go to: This advertisement does not constitute a loan approval or loan commitment. Loan approval and/or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. Do Not Sell My Personal Information | Sitemap | Privacy Policy | Equal Housing Lender LO Search