Charles Shulman at Luminate Bank.- NMLS # 21573

06/01/2026

Honored to be part of the Luminate Bank team as we are recognized as a 2026 Top Mortgage Lender by Scotsman Guide. We are so grateful for the clients, referral partners, teammates, and communities who make this work meaningful every day.

Helping individuals and families navigate the path to homeownership is something I never take for granted, and I’m proud to be part of a company that champions service, relationships, and our core values.

05/29/2026

Rates improved during the week ending May 29, 2026, as markets anticipated a peace deal. is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/28/2026

When your income doesn’t fit inside a traditional W-2 box, financing conversations can look a little different — but that doesn’t mean homeownership is out of reach.

From self-employment and freelance work to multiple income streams, understanding how to document income and explore lending options like Non-QM loans can make the process feel a lot more manageable.

If you’re building something of your own while planning for your future, this is an important conversation to have early.

Whether you are building a side hustle or navigating self-employment for the first time, understanding your options can help you make decisions with greater clarity.

05/26/2026

Your home may be one of the most powerful financial tools you already have, and many homeowners don’t realize how much flexibility their equity can create.

Whether you’re looking to consolidate debt, fund renovations, cover major expenses, or simply improve your overall financial picture, the right mortgage strategy can make a meaningful difference.

Every situation is different, which is why I always encourage clients to look at the full picture, not just rates or monthly payments. A HELOC or cash-out refinance isn’t about taking on more debt. It’s about creating a smarter path forward when it makes sense for your goals.

05/25/2026

5.0 star review received on Experience.com for Charles Shulman by Chloe L - The whole process went very smoothly. Thank you!

Click to see all 517 reviews of Charles Shulman, Mortgage Loan Originator | NMLS # 21573

05/25/2026

This Memorial Day, we honor those who gave everything in service to others. May we never forget the courage, sacrifice, and legacy they leave behind.

05/23/2026

5.0 star review received on Experience.com for Charles Shulman by EDWARD F T - The seller's were horrible, but Mr Shulman and Sue Arkin were really great at there job to help me get through the process. Without them I would of walked away. They were great at communicating and Sue was a real asset.

Click to see all 516 reviews of Charles Shulman, Mortgage Loan Originator | NMLS # 21573

05/23/2026

Luminate Bank® is honored to receive two 2026 Home Possible RISE Awards® from Freddie Mac in the categories of Greatest Volume and Fastest Growth. The RISE Awards celebrate the lenders working to expand access to affordable lending solutions and sustainable homeownership opportunities.

Behind these milestones are real people and real stories, which is why this recognition goes far beyond production numbers. It illustrates our collective effort towards creating opportunities, strengthening relationships, and helping more people feel at home in the communities they love.

We are so proud to amplify the shared mission that continues to guide everything we do, and we’re thankful to everyone who has been part of the journey.

Luminate Bank® is a proud recipient of two prestigious Freddie Mac Home Possible RISE Awards®, Home Possible Greatest Volume and Home Possible Fastest Growth.

05/22/2026

Rates crept higher during the week ending May 22, 2026, as inflation fears continued to drive up bond yields globally. is an Equal Housing Lender.

Enjoy this quick update on what's going on in the housing and financial markets.

05/21/2026

A lot of people ask, “Is now the right time to refinance?”

The answer usually depends on more than just the interest rate. Your monthly budget, long-term plans, and overall financial goals all matter too.

Let's walk through some of the most important things to consider (that are often missed!) if you’re exploring refinancing options.

Refinancing is rarely about chasing the lowest rate available. Focus on your broader goals and financial picture to make the best decision for your situation.