Our 12-Step Process + Our Team
= The Handcrafted Home Loan
One size does NOT fit all. That's why we have a collage of expert pieces in place and a specific framework proven to get you results, no matter what type of lending scenario you're in.
FIRST, YOU'LL MEET
Mike Aning
BRANCH MANAGER | MORTGAGE PLANNER
NMLS: #225911 | BRE#01318111
408.444.5626 ext. 101 | [email protected]
Faith Lawrence
LOANS IN PROCESS
NMLS: #225911 | BRE#01318111
408.444.5626 ext. 102 | [email protected]
![](https://kajabi-storefronts-production.kajabi-cdn.com/kajabi-storefronts-production/file-uploads/themes/2148968226/settings_images/50b15-f06a-dcb-f2d-a3868fea46cc_HeadshotMA-01.png)
![](https://kajabi-storefronts-production.kajabi-cdn.com/kajabi-storefronts-production/themes/2148968226/settings_images/QlGBdk0T46zxbbXDZXEa_FO6AF4E6B9E1-R-02.png)
They will guide you through these steps...
Step 1: Your Written Budget
Step 1: Your Written Budget
Step 2: An In-Person Meeting
Step 2: An In-Person Meeting
Step 3: Phone or Online Application
Step 3: Phone or Online Application
Step 4: Check for Red Flags
Step 4: Check for Red Flags
Step 5: Credit Consult + Advice
Step 5: Credit Consult + Advice
Step 6: The Pre-Approval
Step 6: The Pre-Approval
THEN, YOU'LL WORK WITH...
Our Awesome Loan Processing Team
Faith Lawrence
LOANS IN PROCESS
NMLS: #225911 | BRE#01318111
408.444.5626 ext. 102 | [email protected]
![](https://kajabi-storefronts-production.kajabi-cdn.com/kajabi-storefronts-production/themes/2148968226/settings_images/bSK13udQWutPcTLYHzTQ_FO6AF4E6B9E1-R-02.png)
They will guide you through these steps...
Step 7: Formal Approval
Step 7: Formal Approval
Step 8: The "Safety Net Talk"
Step 8: The "Safety Net Talk"
Step 9: Closing Cost Review
Step 9: Closing Cost Review
Step 10: Signing + Assurance
Step 10: Signing + Assurance
When Do I Move In?
KEYS, HUGS & LIVING TRUST
Step 11: Real Estate Agent | KEYS
Step 11: Real Estate Agent | KEYS
Step 12: Trust Attorney | INSURANCE
Step 12: Trust Attorney | INSURANCE
Copyright © 2023 Luminate Home Loans, Inc. | NMLS #150953 |For licensing information, go to: www.nmlsconsumeraccess.org