Luma Lending NMLS #2682683

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Luma Lending NMLS #2682683

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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

11/02/2026

Here's a lightbulb moment worth sharing before the holidays hit: close on your home or refinancing in November, and you could skip your December mortgage payment altogether.

That's one less bill in the middle of gift shopping, travel, and everything else this season throws at you. Want to see if a November close fits your timeline? Send us a message and we can map it out together.

**NMLS #2682683. All loans subject to credit and property approval. Skip-payment timing depends on your closing date and loan servicer and is not guaranteed for every transaction. Refinancing or borrowing against your home's equity may increase total finance charges over the life of your loan.**

10/31/2026

This Halloween, we broke down the mortgage process, so it's not so spooky. Now, we want to get you home for the holidays 💛

The Luma team is here to guide you every step of the way. Have a fun and safe Halloween weekend!

10/29/2026

Self-employed income, complicated taxes, "non-traditional" pay stubs... none of it automatically means no mortgage. 👻 It just means you need a broker who knows where to look.

As a mortgage brokerage, we work with multiple lenders to find flexible programs built for financial profiles that don't fit in a neat little box. No tricks, just real options.

Don't let an imperfect financial picture convince you homeownership isn't possible before you've even talked to us. Send us a DM, let's start lighting the way. 💡

**This is not a commitment to lend. All loan programs subject to borrower and property qualification. Luma Lending, NMLS #2682683**

10/28/2026

Don't be spooked by closing costs! We break down any costs you may have outside of your down payment.

As your guiding lights, we will lead you along the way, so no matter where you're at in the mortgage process, you don't have to do it in the dark 💡

10/26/2026

"Underwriting" sounds like the scariest word in the process, but it's really just the behind-the-scenes check to make sure everything lines up with guidelines.

We stay in your corner through every step, keeping things moving and keeping you in the loop.

It's definitely not the most exciting part of the process, but it definitely shouldn't be the scariest while we light the way 💡

10/23/2026

Your offer's accepted, so what actually happens next? That's the part most buyers never see, and it's what Charlee walks you through in this video!

From application to closing, we're coordinating every step behind the scenes with our lending partners so nothing catches you off guard. All you've got to do is stay in touch with us and your realtor.

Ready to take the next step? Send us a DM.

**This is not a commitment to lend. An accepted offer does not guarantee final loan approval. Luma Lending, NMLS #2682683**

10/22/2026

You're pre-qualified... now what? 👻

Once you've got your pre-qualification letter in hand, your real estate agent and lender start working side by side: your realtor helps you find homes that fit, we help you understand how the financing lines up, and when it's time to write the offer, we're ready with the documentation to back it up.

When you have questions pop up along the way, a local lender can quickly answer your questions and not leave you hanging.

Don't know where to start looking? We can connect you to a real estate agent so you can start house hunting. 💡

10/21/2026

Today is a big day for Luma Lending as we celebrate our 100th closing of 2026 💛 We are so grateful for our clients who trust us with the financing of their homes in Kentucky, Ohio and West Virginia!

10/19/2026

💥 What can you get for UNDER $100K in Ashland?

How about a remodeled 3 bedroom, 1.5 bath home with major updates already completed?

3013 Simpson Road features new kitchen cabinetry, updated plumbing and electric, LVP flooring, new vinyl siding, refreshed bathrooms, a covered front porch, and an upstairs loft bedroom.

💲 $99,900
📐 1,172 Sq. Ft.

And did we mention the seller is motivated? 👀 Schedule a showing and see this one for yourself!

10/19/2026

Every month we like to shine a little light on what's keeping us busy, inspired, and obsessed, mortgage-related and otherwise. This month's lineup has a little bit of everything: gearing up for Halloween, Kentucky football, Dancing with the Stars, local eats and staying up to date with mortgage news and rates.

We also had a blast connecting with realtors at the Huntington, WV fair earlier this month. Moments like that remind us why we love this community so much and why we're always looking for new ways to light the path for the people in it.

Drop a comment and let us know what YOU'RE reading, eating, or obsessing over this month ✨

Address

2824 Holt Street, First Floor
Ashland, KY
41101

Website

https://linktr.ee/laikencharles, http://lumalends.com/

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