Nikki Syring, NMLS 1441698

Nikki Syring, NMLS 1441698 Nikki Syring | Loan Originator | NMLS 1441698
Loan production office of Luminate Bank. NMLS 1281698 | Equal Housing Lender | Member FDIC

Self-employed and think you can't qualify for a home loan? It's time to rethink that. 🏡Here's the truth — traditional mo...
06/19/2026

Self-employed and think you can't qualify for a home loan? It's time to rethink that. 🏡

Here's the truth — traditional mortgage programs are built around W-2 income. If you're a business owner, freelancer, contractor, or entrepreneur, your income looks different on paper. That doesn't mean you're not qualified. It means you need a different program.

That's exactly what Non-QM lending is.

At Refined Lending, a Division of Luminate Bank, we offer in-house Non-QM programs — meaning we're not checking boxes on a standard form. We're actually looking at your full financial picture and finding a path that fits your situation.
Because no two self-employed borrowers look the same, and your mortgage shouldn't be a one-size-fits-all solution.

If you've been told no by another lender — or you've been avoiding the conversation altogether — this is your sign to reach out.

💬 DM us directly or tap the link in our bio to learn more. Let's find out what's actually possible for you.

The home buying process comes with a lot of questions — and having someone who actually picks up the phone makes all the...
06/17/2026

The home buying process comes with a lot of questions — and having someone who actually picks up the phone makes all the difference. 📱🏡

That's exactly the experience Nikki Syring delivers at Refined Lending, a Division of Luminate Bank. Available, responsive, and genuinely invested in making the process feel less overwhelming for every client she works with.

If you're thinking about buying and want a loan officer in your corner who's there when you need them — reach out. That's what we're here for.

💬 DM us or drop a comment below — we'd love to connect you with someone who will show up for you every step of the way.

Move or renovate? It's one of the biggest decisions homeowners face — and more people are choosing to stay and transform...
06/12/2026

Move or renovate? It's one of the biggest decisions homeowners face — and more people are choosing to stay and transform the home they already love. 🏠✨

If your home needs updates but the thought of buying in today's market feels overwhelming, a renovation loan might be the answer you've been looking for.
At Refined Lending, a Division of Luminate Bank, our renovation loans let you:
🔨 Finance the purchase and renovation of a home in one single loan
🔨 Roll the cost of upgrades into your existing mortgage
🔨 Build equity while making the space truly yours

You don't have to settle for a house that's almost right. And you don't have to drain your savings to fix the one you're in.

Whether you're eyeing a fixer-upper or finally ready to tackle that kitchen, bathroom, or addition you've been putting off — this is worth a conversation.

💬 DM us with your questions or visit the link in our bio to learn more. Our team at Refined Lending, a Division of Luminate Bank is here to help you figure out what makes the most sense for your situation.

Upper

Your home's equity can work hard for you — but knowing which tool to use makes all the difference. 🏡A HELOC gives you a ...
06/10/2026

Your home's equity can work hard for you — but knowing which tool to use makes all the difference. 🏡

A HELOC gives you a flexible line of credit you can draw from as needed, while a 2nd mortgage delivers a lump sum upfront with a fixed rate and payment. Same equity, very different structures.

Not sure which one fits your situation? That's exactly what we're here for. Drop a comment below and let's talk through it — or reach out to one of our loan officers directly. We love this stuff. 👇

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! 🏡

Today we pause to honor and remember those who gave everything for our freedom. From all of us at Refined Lending a divi...
05/25/2026

Today we pause to honor and remember those who gave everything for our freedom.

From all of us at Refined Lending a division of Luminate Bank, wishing you a meaningful Memorial Day.

Thinking about buying a home this spring? Here's everything you need to get pre-approved. 🏡📋One of the biggest reasons b...
05/18/2026

Thinking about buying a home this spring? Here's everything you need to get pre-approved. 🏡📋

One of the biggest reasons buyers miss out on homes this time of year?
They weren't ready.

Getting pre-approved doesn't have to be complicated — but having your documents organized before you reach out makes the entire process faster and smoother. In some cases, we can turn a pre-approval around the same day.

Here's what to gather:
📁 Income & Employment ✔ W-2s from the last 2 years ✔ Most recent 30 days of pay stubs ✔ Federal tax returns (2 years) ✔ Offer letter if you recently started a new job ✔ Self-employed? Have your P&L or bank statements ready

🏦 Assets & Accounts ✔ Bank statements (last 2–3 months) ✔ Investment and retirement account statements ✔ Gift letter if any of your down payment was gifted ✔ Documentation showing source of down payment funds

📋 Personal Identification ✔ Government-issued photo ID ✔ Social Security number ✔ Two-year address history ✔ Rental history or landlord contact info ✔ Divorce decree (if applicable)

That's it. If you have all of this ready, we can move fast.

👉 Ready to get started? Visit refinedlending.com to schedule your pre-approval consultation — or drop a "READY" in the comments and we'll reach out to you directly.

Renting vs. Buying — which side are you on this spring? 🏡👇The spring & summer buying season is officially here — and if ...
05/11/2026

Renting vs. Buying — which side are you on this spring? 🏡👇

The spring & summer buying season is officially here — and if you're still on the fence about renting vs. buying, let's talk numbers.

Every month you rent, you're paying someone else's mortgage. Every month you own, you're building equity, locking in your payment, and growing long-term wealth.

Here's the part most people don't realize:
You may need less to get started than you think.
➡️ $0 down with a VA Loan ➡️ 3% down — Conventional ➡️ 3.5% down — FHA ➡️ 15% down — Non-QM (self-employed, investors, and more)

Spring is the most competitive buying season of the year. The buyers who win are the ones who got pre-approved before the competition started.

Are you ready? Let's find out.

👉 Schedule your free consultation at refinedlending.com or drop a comment and we'll reach out.

Not everyone fits the traditional mortgage box. Here's what to do about it. 👇If you're self-employed, a real estate inve...
05/04/2026

Not everyone fits the traditional mortgage box. Here's what to do about it. 👇

If you're self-employed, a real estate investor, retired, or simply don't have a W-2 — a conventional mortgage probably wasn't designed with you in mind.

That's where Non-QM loans come in.

At Refined Lending a division of Luminate Bank, we offer 6 flexible loan programs built for real-life financial situations:

✅ Bank Statement Loans — qualify using 12 or 24 months of bank statements, no W-2 required
✅ DSCR Loans — qualify on your rental property's income, not your personal income
✅ 1099 & P&L Programs — use your most recent 1099 or a CPA-audited P&L
✅ Asset Depletion — turn your liquid assets into qualifying income
✅ Asset Utilization — no income or job required, qualify on post-closing assets
✅ Foreign National — purchase U.S. property up to $2M, no U.S. credit history needed

If you've been told "no" by a traditional lender — we want to talk.

👉 DM us direct for full program details or visit RefinedLending.com

Address

25 Lake Street S, Unit 125
Forest Lake, MN
55025

Telephone

+16513682930

Website

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