Luminate Bank Refined Lending Team

Luminate Bank Refined Lending Team Loan production office of Luminate Bank. NMLS 1281698 | Equal Housing Lender | Member FDIC

Refined Lending is a custom home mortgage company specializing in up and coming or established, urban and suburban neighborhoods in the Twin Cities. Our experienced team works closely to suggest the perfect mortgage for your unique lifestyle; a payment that fits within your budget. The choice to work with Refined Lending will make your next move a simple, streamlined and highly rewarding experienc

e. Our in-house products such as new construction, purchases, and refinancing will allow us to assist every homeowner. With Refined Lending you will work with one team from the pre-approval stage all the way through your final home closing. Refined Lending partners with highly sought-after real estate agents, and home builders to make sure you get the most current trends and technology, as well as superior products and workmanship.

First-time homebuyers: here’s your permission to ask your loan officer all the questions. Even the “this might be a dumb...
09/01/2026

First-time homebuyers: here’s your permission to ask your loan officer all the questions. Even the “this might be a dumb question…” questions.

There aren’t any dumb questions when you’re making one of the biggest financial decisions of your life. In fact, some of the best conversations happen when we get beyond the basic numbers and start talking about what could change, what you might be overlooking and where you want to be a few years from now.

A good mortgage conversation should leave you feeling more informed, not more overwhelmed.

08/27/2026

Thinking about refinancing? There is one number you need to know before you do anything else: your break even point. 🏠

Your break even point is how long it takes for your monthly savings to recover the cost of the refinance. If you plan to stay in your home past that point, a refi likely makes sense. If not, the math may not work in your favor.

And lowering your rate isn't the only reason to refinance. Other reasons include shortening your loan term, accessing home equity, consolidating debt, or removing mortgage insurance. Every situation is different.

Reach out today and we can run the numbers and see what makes sense for you. Visit refinedlending.com or message us directly.

Jerrid Boutto, Mortgage Loan Originator, NMLS #2076677

08/25/2026

PMI gets a bad reputation but for a lot of buyers it's actually one of the best tools available for getting into a home sooner. 🏠

Private mortgage insurance is required when you put less than 20% down. It can feel intimidating but it shouldn't. It is simply the cost of entering the market sooner rather than waiting years to save up a larger down payment.

And here's the most important thing to remember: PMI is not forever. Once you build enough equity in your home it can be removed.

For many buyers getting into a home sooner and building equity beats waiting on the sidelines. Let's connect and look at the full picture together.

Visit refinedlending.com or message us directly.

Nikki Syring, Mortgage Loan Originator, NMLS #1441698

08/20/2026

Realtors, you know exactly how this goes. You show the perfect house, your client makes an offer, and then you find out they can't get approved anywhere. It's frustrating, and it's almost always preventable. 🏠

Getting a thorough pre approval early, before house hunting even starts, can save a deal before it becomes a problem.

Self employed clients, those with multiple jobs, or non traditional income situations don't always fit the standard lending box. That's exactly why Refined Lending, a division of Luminate Bank, has an in house non QM department with multiple options to look at.

Tell your clients to contact us and start the process before they start looking at houses. Let's protect your deals together.

Visit refinedlending.com or message us directly.

Katie O'Groske, Mortgage Loan Originator, NMLS #1900506

08/18/2026

One of the most important mortgage numbers most buyers don't think about until it's too late. 🏠

Your debt to income ratio, or DTI, is the ratio of your monthly debt payments compared to your gross monthly income. Lenders use it to determine how much of a mortgage payment you can take on.

A lower DTI generally means more buying power and better loan options. The good news? We can calculate yours in minutes and help you get where you need to be.

Whether you're ready to buy now or just starting to think about it, knowing your DTI is one of the best first steps you can take.

Reach out today. Visit refinedlending.com or message us directly.

Chris Dunn, Mortgage Loan Originator, NMLS #282113

08/13/2026

Self employed business owner? Your tax return doesn't tell the whole story, and a bank statement loan knows that. 🏠

On paper your income may look much lower than it actually is because of deductions. Traditional lenders use that number against you. A bank statement loan doesn't.

We look at what's actually coming into your accounts, personal accounts, business accounts, and even multiple accounts combined, to get a true picture of your real income.

Multiple options available for primary, secondary, and investment properties.

Reach out today and let's talk through your options. Visit refinedlending.com or message us directly.

Jerrid Boutto, Mortgage Loan Originator, NMLS #2076677

🏆 Celebrating July's Top Producers at Refined Lending, a Division of Luminate Bank!Big congratulations to Chris Dunn , M...
08/12/2026

🏆 Celebrating July's Top Producers at Refined Lending, a Division of Luminate Bank!

Big congratulations to Chris Dunn , Mike Arvold, and Jerrid Boutto for leading the way this month! Their dedication to helping families find the right home loan doesn't go unnoticed — from first-time homebuyers to seasoned investors, these three consistently go above and beyond to make the mortgage process smooth, transparent, and stress-free.

Whether you're buying your first home, refinancing, or exploring investment properties in Minnesota, Chris, Mike, and Jerrid are here to help you navigate the process with confidence.

📲 Ready to start your homeownership journey? Reach out to our team today!

Chris Dunn, NMLS 282113 Boutto, NMLS 2076677 Arvold Mortgage Team NMLS #616278

08/11/2026

First time home buyer without a huge down payment saved? You need to know about FHA loans. 🏠

FHA loans allow lower down payments, making it easier for first time buyers to get into the market sooner rather than waiting years to save up.

The trade off is mortgage insurance, which is built into the loan. For many buyers, that trade off is absolutely worth it to stop renting and start building equity.

Every situation is different. Let's talk options and find out what works best for you.

Visit refinedlending.com or message us directly.

Nikki Syring, Mortgage Loan Originator, NMLS #1441698

08/06/2026

Waiting until you have 20% saved to buy a home? You may not have to wait that long. 🏠

FHA loans can require as little as 3.5% down. VA loans can require as little as 0% down for qualifying veterans and service members. You don't need 20% to get into a home.

You may be closer to buying than you think. Contact us today and let's find out what you qualify for.

Visit refinedlending.com or message us directly.

Chris Dunn, Mortgage Loan Originator, NMLS #282113

⛳ Great day on the greens! ⛳Yesterday our team hit the course for the MMA Annual Golf Tournament — and while we won't be...
08/05/2026

⛳ Great day on the greens! ⛳

Yesterday our team hit the course for the MMA Annual Golf Tournament — and while we won't be quitting our day jobs for the PGA Tour anytime soon, we had an absolute blast! 🏌️‍♀️🏌️

From clutch putts to... let's just say "creative" drives, it was a day full of laughs, friendly competition, and great teamwork. Nothing beats spending time with an amazing team outside the office!

Thanks to MMA for hosting a fantastic event. Already looking forward to next year! 🙌

Address

9240 Baltimore Street NE, 110
Blaine, MN
55449

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17637848700

Website

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