Stephanie Treusein, NMLS# 849428

Stephanie Treusein, NMLS# 849428 It's my passion to work with people like you to help you and your business grow! Luminate’s headquarters are located in Minneapolis, Minn.

Luminate Home Loans is a national mortgage lending company that has been in business since 1998. Luminate’s mission is to help unlock people’s full potential through finances and to make lending approachable by bringing transparency and consistency to every part of the client experience.

📊 Boomers and Millennials are both active in the housing market, but in different ways.Cash vs. credit. Downsizing vs. u...
08/31/2025

📊 Boomers and Millennials are both active in the housing market, but in different ways.

Cash vs. credit. Downsizing vs. upgrading. First-time buying vs. second-home shopping.

Whether you're navigating rising rates or maximizing equity, understanding the full landscape can help you move smarter.

Swipe through for real data on how each generation is approaching homeownership in 2025.

👩‍👧‍👦 Parents of school‑aged kids: balancing daily expenses, long‑term goals, and college plans? You're not alone.From r...
08/28/2025

👩‍👧‍👦 Parents of school‑aged kids: balancing daily expenses, long‑term goals, and college plans? You're not alone.
From retirement planning to saving for college and helping teach your kids about money, this is your roadmap.
✅ Save early and consistently
✅ Prioritize retirement first
✅ Use tax‑efficient tools like 529 plans
✅ Talk about money openly with your children

Swipe through for real data on what parents are saying and how you can build a financially confident future for your family.

💸 Gen Z or Millennial: how do your money habits compare?From savings goals to investing confidence, the data is in and i...
08/22/2025

💸 Gen Z or Millennial: how do your money habits compare?
From savings goals to investing confidence, the data is in and it's more surprising than you'd think.

📊 Gen Z is saving more of their income than older generations.
🧠 Millennials feel more confident but started later.
🌍 Both are redefining what financial success actually looks like.

Swipe through to see how your habits stack up and what it means for your next move.

Home price growth is slowing, and some regions are already seeing declines. This could mean new opportunities for you, y...
08/11/2025

Home price growth is slowing, and some regions are already seeing declines. This could mean new opportunities for you, your buyers, OR your sellers!

Swipe for the highlights, then check out the full blog for details: luminate.bank/are-home-prices-finally-starting-to-cool-off

🏡 Gen Z: thinking about buying a home someday?You don't need to have it all figured out. But starting early can make a h...
08/10/2025

🏡 Gen Z: thinking about buying a home someday?
You don't need to have it all figured out. But starting early can make a huge difference.

📈 Build your credit
💰 Automate your savings
🧠 Learn the lingo
💬 Ask the "dumb" questions (spoiler: they're not dumb)

Only ~26% of Gen Z adults own a home today, but you're already outpacing previous generations at your age.

Swipe for real talk, smart tips, and a plan that starts with you—not Zillow.

🎓 Back to campus this fall? Don't stress over your student finances. Get smart instead.Swipe through for real stats on s...
08/07/2025

🎓 Back to campus this fall? Don't stress over your student finances. Get smart instead.
Swipe through for real stats on student credit card use, mobile banking habits, and what college-themed banking agreements really mean.

Shield your credit. Stay on budget. Use your phone (not a checkbook). And choose a banking experience that works your way.

Think your credit score is holding you back from buying a home? It might not be.Most people overestimate what score they...
08/05/2025

Think your credit score is holding you back from buying a home? It might not be.
Most people overestimate what score they need—and underestimate how many options are out there.

Swipe through to see how close you really are 👀 and grab a few quick tips to boost your score with confidence.

Ready to talk through your next steps? We’re here when you’re ready.

🏡 Thinking about buying a home? The market is shifting, but not in the way headlines might have you believe.👉 Scroll thr...
08/01/2025

🏡 Thinking about buying a home? The market is shifting, but not in the way headlines might have you believe.

👉 Scroll through our August Housing Snapshot for what's really happening with rates, prices, inventory, and opportunities for buyers right now.

✅ Smart moves
✅ Affordable metros
✅ Builder incentives (yes, they're back!)

Ready to explore your options? Let's talk.

Dreaming of building your perfect home but worried it’s too complicated or too expensive?With our Construction-to-Perman...
07/31/2025

Dreaming of building your perfect home but worried it’s too complicated or too expensive?

With our Construction-to-Permanent loan, you can break ground with confidence:

✅ One closing for both construction and your mortgage
✅ Low down payment options
✅ Locked-in interest rates before construction even begins
✅ No requalifying when the build is done

You bring the vision, and we’ll bring the financing that makes it real.

Let’s build your future, together.

Three pages, lots of numbers and your chance to ask questions. Your Loan Estimate is a powerful tool, not just paperwork...
07/25/2025

Three pages, lots of numbers and your chance to ask questions.

Your Loan Estimate is a powerful tool, not just paperwork. It tells you what to expect and where to look closer.
➡️ See interest rate, monthly payments, and closing costs side-by-side
➡️ Compare lenders clearly before you commit
➡️ Spot potential surprises before they become problems

We walk through every section with you, because informed borrowers make better decisions.

Think your offer is the final word? The appraiser gets a say, too.Appraisals are a key checkpoint in your mortgage journ...
07/19/2025

Think your offer is the final word? The appraiser gets a say, too.

Appraisals are a key checkpoint in your mortgage journey, and they can affect your approval, even if the seller accepts your price.

🏠 If the home appraises below offer, you may need to renegotiate or bring extra cash
🏠 If it appraises above, congratulations, you’ve built equity from day one
🏠 Lenders use the appraised value, not just the purchase price, to determine your loan amount

It’s not just a formality, it’s a factor. And we’ll help you navigate it with confidence.

Renters, your on-time payments could finally pay off in a big way! New credit changes mean lenders can now count your re...
07/14/2025

Renters, your on-time payments could finally pay off in a big way!

New credit changes mean lenders can now count your rent and utility history toward your mortgage application. Swipe through to see what’s new, why it matters for you, and how to get started.

Read the full story on our blog: luminate.bank/big-credit-score-changes-could-help-you-qualify-for-a-mortgage

Address

7600 E. Orchard Road #250-N
Greenwood Village, CO
80111

Opening Hours

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

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