Jeff Adams at Maximus Mortgage Advisors

02/10/2026

Credit report prices are expected to rise by as much as 50 percent in 2026.
This marks the fourth year of credit report cost increases, despite ongoing regulatory efforts aimed at increasing competition and affordability.
If you notice higher credit-related fees during the mortgage process, it is not because your lender decided to raise prices arbitrarily. These changes reflect broader shifts in how credit data is priced and distributed nationwide.

02/05/2026

If a house is up for auction, does that mean it's a steal... or a risk?
A little context can make a big difference.
Between competitive bidding, cash requirements, and no room for repairs or negotiations, buying a home at auction can be far from what you'd expect.

If you're looking for home financing with fewer surprises, we're here to help. Give us a call or visit us online to get started today.

What does it mean when a house is up for auction? Learn why homes go to auction, auction types, how the process works, risks, and what buyers should expect.

02/03/2026

The winter weather hasn't slowed the housing market—and it shouldn't slow you down either!
With Value Assurance, you can bid with fewer surprises, more confidence, and stronger offers.
Give us a call or visit us online to get started today.

01/29/2026

You’ve spent years investing in your education, training, and career in medicine. When your day ends, you deserve a home that supports the life you’ve worked so hard to build.

A physician mortgage loan can help you get there sooner, with fewer barriers and more flexibility than traditional home financing.

If you’re ready to explore your options, working with a mortgage team that understands the needs of medical professionals can make all the difference.

Designed for medical professionals, physician mortgages can help you get there sooner, with fewer barriers and more flexibility than traditional home financing.

01/27/2026

Our mission is powered by our community.
In 2025, we were honored to help 3,248 families across 13 branches and 48 states.
Here’s to continuing the work and helping you make homeownership happen!

01/22/2026

Buying a home comes with enough decisions. This one is easy.
Here at Luminate Bank, we’re proud to offer the Brighter Closing Credit Program, a simple way to make your closing a little lighter, brighter, and more rewarding.
With this program, you can earn a lender credit at closing by opening a Luminate Brighter Checking account and funding it with a qualifying deposit.
$2,500 deposit = $400 lender credit
$100,000 deposit = $1,000 lender credit
This credit is applied directly toward your closing costs, up to the maximum amount allowed for your loan.
The Brighter Closing Credit Program is a great way to build a strong banking relationship while securing your new home. Give us a call or visit us online to learn more about the Brighter Closing Credit Program today!

Earn a lender credit at closing by opening a Luminate Brighter Checking account and funding it with a qualifying deposit with the Brighter Closing Credit Program.

01/20/2026

For many borrowers, student loans are a part of the picture.
If you're worried about qualifying while managing your student loan debt, we can help you determine your debt-to-income ratio, credit score, and see what works.
Because when it comes to homeownership, we're here to support you every step of the way. Give us a call or visit us online today!

01/19/2026

Today is an oppourtunity to learn, reflect, and recommit to making positive changes in our communities as we celebrate the life and legacy of Dr. Martin Luther King Jr.

01/15/2026

In recent years, the cost of obtaining credit reports has steadily increased, and credit report prices for mortgage lenders are expected to rise by as much as 50 percent in 2026. This marks the fourth consecutive year of higher costs, despite ongoing regulatory efforts aimed at increasing competition and affordability in the credit reporting space.
If you notice higher credit-related fees during the mortgage process, it is not because your lender decided to raise prices arbitrarily. These changes reflect broader shifts in how credit data is priced and distributed nationwide.

If you notice higher credit-related fees during the mortgage process, it is not because your lender decided to raise prices. Credit reports increased nationwide.

01/13/2026

New year, new competition.
If homeownership is on your list of goals for 2026, make sure Value Assurance is part of your toolbox.
Bid with fewer surprises, more confidence, and stronger offers. Give us a call or visit us online to get started today!

01/08/2026

Nothing is easier to accomplish or forget than signing up for a free trial.
The United States is the largest consumer of digital subscriptions, accounting for 53% of the global market. The average American currently estimates spending around $86 a month on subscriptions, but is actually spending over 2.5 times that amount (around $219/month).
Many companies make subscribing so easy that you may not realize what you’ve signed up for before it's too late. Luckily, we’ve mastered the art of tracking down and managing those recurring subscription costs.

When it comes to building a sustainable budget, decide which subscription services are useful and find the ones that you don’t realize that you’re paying for.

01/06/2026

Baby Boomers make up half of today's home buyers and sellers, so we're here to offer flexible options to meet your needs.
Ready to take the next step towards that purchase or refinance? Give us a call or visit us online today!