The CL Team - NMLS #259691

The CL Team - NMLS #259691 Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. All rights reserved. Member FDIC.

Caleb LeGrand
Branch Manager, NMLS 259691
Luminate Bank®
Equal Housing Lender
Company NMLS ID 1281698
For licensing information, go to https://www.luminate.bank/privacy-policy Caleb LeGrand - Producing Branch Manager - NMLS #259691
Luminate Bank - NMLS #1281698
Equal Housing Lender
www.clteam.us

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Any information provided outlining minimum down

payment requirements that are allowed by specific loan program and product guidelines. Information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. Equal Housing Opportunity Lender

Due to inclement weather, our physical office will be closed today, January 26th, and tomorrow, January 27th.The good ne...
01/26/2026

Due to inclement weather, our physical office will be closed today, January 26th, and tomorrow, January 27th.
The good news? 𝗢𝘂𝗿 𝘁𝗲𝗮𝗺 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗿𝗲𝗺𝗼𝘁𝗲𝗹𝘆 𝗮𝗻𝗱 𝗵𝗲𝗿𝗲 𝘁𝗼 𝗵𝗲𝗹𝗽 𝗮𝘀 𝗻𝗲𝗲𝗱𝗲𝗱.

We plan to reopen the office on Wednesday.
Stay safe and warm out there! ❄️

Not all home renovations are worth the investment 👀If you’re thinking about updating your home before selling, it’s impo...
01/20/2026

Not all home renovations are worth the investment 👀

If you’re thinking about updating your home before selling, it’s important to focus on the projects that actually pay you back. Some upgrades can significantly boost your return, while others may not move the needle as much as you’d expect.

This graphic breaks down which home updates deliver the highest ROI when it’s time to sell 🏡📈

👉 Read the full blog post here:
https://www.clteam.us/post/home-updates-that-actually-pay-you-back-when-you-sell

Mortgage rates moved lower this week — and here’s why 👇President Trump announced plans to direct Fannie Mae and Freddie ...
01/12/2026

Mortgage rates moved lower this week — and here’s why 👇

President Trump announced plans to direct Fannie Mae and Freddie Mac to purchase $200B in mortgage-backed securities, the bonds that directly influence mortgage rates.

The market took it seriously.

MBS prices jumped immediately, and mortgage rates dropped more than 0.20% in a single day, reaching their lowest levels since early 2023.

This isn’t Fed-style QE and volatility is still expected — but it does suggest rates are now positioned better than they were before the announcement.

If you’ve been watching rates closely, this is a development worth paying attention to.

Happy to talk through what this could mean locally.

Here’s to the memories we made in 2025 and the bright year ahead.We’re so grateful for our amazing clients, partners, an...
01/01/2026

Here’s to the memories we made in 2025 and the bright year ahead.

We’re so grateful for our amazing clients, partners, and team members who made this year one to celebrate.

Happy New Year from all of us at CL Team! 🥂

The best gift isn’t under the tree — it’s the memories made at home.Wishing you a cozy holiday season. From our families...
12/25/2025

The best gift isn’t under the tree — it’s the memories made at home.

Wishing you a cozy holiday season. From our families to yours, Merry Christmas! 🎄

🔎 Mortgage Tip MondayTempted to waive that home inspection? Amanda Hoover says think again. Even a dream home can hide c...
10/20/2025

🔎 Mortgage Tip Monday

Tempted to waive that home inspection? Amanda Hoover says think again. Even a dream home can hide costly problems. Protect your investment with a professional inspection before you buy.

👉 Check out her full tip in the image!

💡 Mortgage Tip MondayDid you know seller credits can be used for more than just closing costs? 💰 This week, Leonard Pare...
10/06/2025

💡 Mortgage Tip Monday

Did you know seller credits can be used for more than just closing costs? 💰 This week, Leonard Paredi shares how applying those credits toward a rate buydown could lead to long-term savings.

👉 Full tip in the image!

📄 Mortgage Tip MondayThat mortgage payment covers more than just your loan! 🏡 Niki Young explains what’s typically inclu...
09/22/2025

📄 Mortgage Tip Monday

That mortgage payment covers more than just your loan! 🏡 Niki Young explains what’s typically included—like taxes, insurance, and possibly HOA fees—so you can plan your monthly budget with confidence.

👉 See her full tip in the image!

📋 Mortgage Tip MondayWondering what your escrow account actually covers? Jennifer Johnson breaks it down: it’s there to ...
09/08/2025

📋 Mortgage Tip Monday

Wondering what your escrow account actually covers? Jennifer Johnson breaks it down: it’s there to make budgeting easier by including your property taxes and insurance in your monthly mortgage payment. Just don’t forget to check it yearly—it may need adjusting.

👉 Read her full tip in the image!

🐾🤖 It’s Whisker Wednesday… with a twist! 🤖🐾We jumped on the AI trend and asked what Morgan Kelly's dogs, Kodak and Kaya,...
09/03/2025

🐾🤖 It’s Whisker Wednesday… with a twist! 🤖🐾

We jumped on the AI trend and asked what Morgan Kelly's dogs, Kodak and Kaya, would look like as humans—and we’re kind of obsessed with the results!

🐶 Kodak, her goofy German Shepherd, turned into the guy who’s always down for a good time and never says no to an adventure.

🐶 Kaya, the spunky Dutch Shepherd mix, is serving confident cool-girl energy with just the right mix of sass and sweetness.

Clearly, this duo is just as iconic in human form as they are in fur!

Happy Labor Day from all of us at The CL Team! 🇺🇸Today, we celebrate the hard work, dedication, and hustle that keep our...
09/01/2025

Happy Labor Day from all of us at The CL Team! 🇺🇸

Today, we celebrate the hard work, dedication, and hustle that keep our communities strong. Whether you're relaxing, grilling, or house-hunting this weekend — we’re wishing you a well-earned break and a happy holiday!

📐 Mortgage Tip MondayThinking about building a home? 🏡 Trent Gamble shares why it’s important to understand the differen...
08/25/2025

📐 Mortgage Tip Monday

Thinking about building a home? 🏡 Trent Gamble shares why it’s important to understand the difference between One-Time and Two-Time Close construction loans. Each option offers unique benefits depending on your timeline, financing needs, and future plans.

🔗 Learn more about our New Construction Loan Program here: www.clteam.us/new-construction-loan-program

👉 See Trent’s full tip in the image!

Address

400 Executive Center Drive, Suite 108
Greenville, SC
29615

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

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