VA Home Loans- Refined Lending a division of Luminate Bank

VA Home Loans- Refined Lending a division of Luminate Bank https://www.vahomeloanmn.com

VA Home Loan and Mortgage Programs for Veterans and Active Duty Military. NMLS 1281698 | Equal Housing Lender | Member FDIC

Refined Lending is a loan production office of Luminate Bank. VA Home Loans of Minnesota are brought to you by Refined Lending- A new kind of mortgage company. Our local VA Loan Specialists are proud to help our active duty military and veterans take advantage of their VA Benefits that they have earned to become homeowners. VA Loan Programs were designed as a benefit to those who have served our country. Refined Lending is proud to serve our heroes who have served our country.

Going the extra mile isn't just something we say — it's something we do. 💪Snagging a better interest rate right before c...
05/29/2026

Going the extra mile isn't just something we say — it's something we do. 💪

Snagging a better interest rate right before closing? That's the kind of dedication our clients deserve. Thank you for trusting us with such a big moment, Kelly!

When you work with our team, you're never just a transaction. We're in your corner from the very first question all the way to the closing table. Ready to get started? Send us a message! 🏡

On this Memorial Day, we honor the brave men and women who made the ultimate sacrifice for our country. 🇺🇸We are forever...
05/25/2026

On this Memorial Day, we honor the brave men and women who made the ultimate sacrifice for our country. 🇺🇸

We are forever grateful. From our team to yours — thank you.

Thinking about refinancing? There's never been a better time. 💰A smooth, stress-free experience from start to finish — t...
05/22/2026

Thinking about refinancing? There's never been a better time. 💰

A smooth, stress-free experience from start to finish — that's the Arvold Mortgage Team promise. Thank you for the kind words, Tony!

Whether you're refinancing or buying, we bring the same level of care, communication, and professionalism to every client. Ready to explore your options? Send us a message today! 🙌

Ready to use your VA home loan benefit? Here's exactly what to gather first. 🏡You earned this benefit. Let's make sure y...
05/18/2026

Ready to use your VA home loan benefit? Here's exactly what to gather first. 🏡
You earned this benefit. Let's make sure you're ready to use it.

One of the most common reasons Veterans miss out on homes — especially during the busy spring market — is simply not having documents ready when the right property comes along.

The good news? The VA loan process isn't complicated when you're prepared. And one key document — your Certificate of Eligibility (COE) — is something we can pull directly for you. You don't need to track it down on your own.

Here's what to have ready:
🎖️ Military Service Documents ✔ DD-214 (Certificate of Release/Discharge from Active Duty) ✔ Certificate of Eligibility — we can obtain this for you ✔ Statement of Service (if currently active duty) ✔ VA Award Letter (if receiving disability benefits) ✔ NGB Form 22 (National Guard or Reserve members)

💼 Income & Employment ✔ W-2s from the last 2 years ✔ Most recent 30 days of pay stubs ✔ Federal tax returns (2 years) ✔ VA disability award letter (counts toward qualifying income) ✔ Self-employed? Have your P&L or bank statements ready

🏦 Assets & Identification ✔ Government-issued photo ID ✔ Social Security number ✔ Bank statements (last 2–3 months) ✔ Source of closing cost funds ✔ Two-year address history

VA Advantage reminders: → $0 down payment required → No private mortgage insurance (PMI) → Competitive interest rates → No prepayment penalty
You served. You qualify. Let's get you pre-approved.

👉 Drop "VA LOAN" into the comments and we'll reach out directly.

Professional. Trustworthy. Genuinely caring. 💪That's the standard we hold ourselves to every single day — and it means t...
05/15/2026

Professional. Trustworthy. Genuinely caring. 💪

That's the standard we hold ourselves to every single day — and it means the world when our clients feel it. Thank you, Candace, for the incredibly kind words!

From first question to closing day, our team is in your corner every step of the way. Ready to find out what stress-free home buying feels like? Send us a message and let's get started. 🏡

Here's something a lot of Veterans don't realize:While everyone else is scrambling to save up for a down payment this sp...
05/11/2026

Here's something a lot of Veterans don't realize:

While everyone else is scrambling to save up for a down payment this spring — you may already qualify for $0 down.

That's the power of your VA home loan benefit. And it doesn't expire.

The spring and summer market is one of the most active buying seasons of the year. Homes move fast. Sellers are motivated. And the buyers who win are the ones who show up pre-approved and ready to go.

Here's a quick look at how your options stack up:
🏠 Still Renting? Every month you pay rent, you're building your landlord's wealth — not yours. No equity. No tax benefits. No stability if they decide to sell or raise your rent.
🏡 Buying with Your VA Benefit?
✅ $0 down payment required
✅ No private mortgage insurance (PMI)
✅ Competitive interest rates
✅ You build equity from day one
✅ Your payment is locked in — no surprise rent hikes

Spring is here. The market is moving.
The only question is — are you ready?

Whether you've used your VA benefit before or this is your first time, we'll walk you through every step.

👉 Drop a "VA LOAN" in the comments and we'll reach out to you directly.

While everyone else is scrambling to save up for a down payment this spring, you may already qualify for $0 down.

First-time homebuyer? We've got you. 🏡There's nothing better than guiding someone through one of the biggest moments of ...
05/08/2026

First-time homebuyer? We've got you. 🏡

There's nothing better than guiding someone through one of the biggest moments of their life — and making it a great one. So proud of you, Rebekah, and congrats on your new home!

If you're thinking about buying, our team is ready to walk with you every step of the way. Drop us a message to get started!

You served our country. But what happens when your VA benefit isn't enough to get the home you want? 👇Most Veterans know...
05/04/2026

You served our country. But what happens when your VA benefit isn't enough to get the home you want? 👇

Most Veterans know about the VA loan — zero down, no PMI, competitive rates. It's one of the best benefits you've earned.

But here's what a lot of Veterans don't know:

The VA loan has limits. Non-QM loans don't.

If you're a Veteran who is also self-employed, investing in real estate, or in a more complex financial situation — a VA loan alone may not cover every scenario you're facing.
Here's when a Non-QM loan might fill the gap for you:
🏠 You want to purchase a second property or investment property VA loans are for primary residences only. If you're building a real estate portfolio, a DSCR loan lets you qualify on rental income — no personal income docs required.

💼 You're self-employed or run your own business Many Veterans transition out of service and build their own companies. If you don't have two years of traditional W-2 income yet, a bank statement loan or 1099 program can get you qualified.

💰 You have strong assets but irregular income Asset Depletion and Asset Utilization programs let your savings, investments, and retirement accounts do the qualifying work — no pay stubs needed.

🏡 You want a home above the VA conforming loan limit VA jumbo loans exist, but come with stricter requirements. Non-QM jumbo options can provide more flexibility depending on your situation.

Your VA benefit is powerful — and we'll always help you use it when it's the right fit. But if your situation goes beyond what a VA loan covers, we have solutions built for that too.

Whether it's a VA purchase, a VA refinance, or a Non-QM program that better fits your needs — we'll find the right path for you.

👉 Have questions about your options? Drop a comment below, send us a message, or visit refinedlending.com to schedule a free consultation.

We're honored to serve those who served.

Simple. Easy. Exceptional. ✨This is what lending should always feel like. Thank you for the kind words, Joel! 🙌 ...
05/01/2026

Simple. Easy. Exceptional. ✨

This is what lending should always feel like. Thank you for the kind words, Joel! 🙌

Patience. Speed. Communication.That’s what makes the difference during a refinance—and it’s exactly what you can expect ...
04/24/2026

Patience. Speed. Communication.

That’s what makes the difference during a refinance—and it’s exactly what you can expect from Refined Lending a division of Luminate Bank. We know every situation is unique, and we’re here to guide you through it with clarity and confidence.

Thinking about refinancing? Let’s make it a smooth one.

Address

9240 Baltimore Street Ne Suite 110
Blaine, MN
55449

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 8am - 7pm
Thursday 7am - 7pm
Friday 9am - 7pm
Saturday 9am - 7pm

Telephone

+16512831305

Website

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