Luma Lending NMLS #2682683

Luma Lending NMLS #2682683 KY, OH & WV Mortgage Brokerage NMLS #2682683 | Your guiding light to your new chapter💡🏡 | Conventional, FHA, USDA, VA, & Non-QM loans.

Kentucky Mortgage Broker License: MB889414
Ohio Residential Mortgage Lending Act Certificate of Registration License: RM.805436.000
West Virginia Mortgage Broker License: MB-2682683

06/12/2026

We couldn't be more excited to have Annalee Miller - NMLS #2839028 on board! Watch this to get to know her a little bit, and then reach out to start your homebuying journey in KY, OH or WV ☀

We are so excited to welcome our newest Mortgage Loan Officer, Annalee Miller - NMLS #2839028! Born and raised in Russe...
06/09/2026

We are so excited to welcome our newest Mortgage Loan Officer, Annalee Miller - NMLS #2839028!

Born and raised in Russell, KY, Annalee is proud to serve homebuyers and homeowners throughout Kentucky, Ohio and West Virginia! She's a Morehead State grad, Ashland resident, fiance, mom to two kids and a dog, and teaches yoga & pilates. She's also a self-proclaimed "solar-powered" person ☀

Let's welcome Annalee in the comments and give her a follow!

06/07/2026

You closed on your loan… now what? 💡

A lot of homeowners don’t realize there are simple ways to stay proactive and potentially save money over time.

Homeownership is more than getting the keys. It’s making smart moves after closing, too. Wondering what options are available to you? Let's connect!

**Loan options and qualification requirements vary by borrower and program. This is not a commitment to lend. Luma Lending, NMLS #2682683**

06/04/2026

Let's play a little mortgage this or that with Laiken 👀

Some answers are simple and some depend entirely on your situation. Let's see how she breaks it down!

**Loan options and qualification requirements vary by borrower and program. This is not a commitment to lend. Luma Lending, NMLS #2682683**

06/02/2026

You don’t have to overthink every detail of buying a home, that's where we come in. 💡💛

From loan options and income calculations to fine print, underwriting roadblocks, and every “what if” in between… our job is to think through it all so you can move forward with confidence.

The goal? Fewer surprises. More peace of mind. And a loan officer who’s in your corner every step of the way.

**Loan options and qualification requirements vary by borrower and program. This is not a commitment to lend. Luma Lending, NMLS #2682683**

Suns out, funds out ☀️ Nothing brings us more joy than helping a homebuyer getting their new house funded! Thankful for ...
06/01/2026

Suns out, funds out ☀️ Nothing brings us more joy than helping a homebuyer getting their new house funded! Thankful for all of our clients and real estate partners.

There are a lot of misunderstandings or outdated advice floating around about buying a home, and it's holding people bac...
05/31/2026

There are a lot of misunderstandings or outdated advice floating around about buying a home, and it's holding people back. In fact, you may not need as much as you think to get started.

Not sure what applies to you? Let's talk it through 💡

**Loan options and qualification requirements vary by borrower and program. Luma Lending, NMLS #2682683**

05/28/2026

There are 3 numbers that determine if you get approved for a home:

- Know your monthly take-home income (your salary after taxes), and keep that number in your head at all times.
- Your ideal debt-to-income ratio should be below 36% but there are options for up to 50%. This shows how much debt you have versus how much money you make, and if you can take on a house payment.
- You want to be aware of your credit score, and we can look for options that fit yours.

Need some help? Let's get started 💡

**This is not a commitment to lend. Luma Lending, NMLS #2682683**

May has quickly come and is quickly going! We've been busy and loving every minute of it.Check out our Monthly R.E.P.O.R...
05/27/2026

May has quickly come and is quickly going! We've been busy and loving every minute of it.

Check out our Monthly R.E.P.O.R.T. where we share what we're reading, eating, playing, obsessing, recommending and treating this month! What would you have on your Monthly R.E.P.O.R.T.? ☀

Buying a home comes with more than just a down payment, and we will guide you through exactly what to expect and be prep...
05/26/2026

Buying a home comes with more than just a down payment, and we will guide you through exactly what to expect and be prepared for! From closing costs to earnest money to out-of-pocket expenses, we break it down so there are no surprises along the way.

Every situation looks a little different and we're here to understand. Have questions about what you'd need to bring to closing? Send us a message ☀

**Estimates vary based on loan type, purchase price and individual qualifications.**

Address

2824 Holt Street, First Floor
Ashland, KY
41101

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