Brian Ackerman at Luminate Bank - NMLS# 2094353

03/20/2026

Rates remained volatile during the week ending March 20, 2026, moving higher and lower intraday and expected to trend with the price of oil. is an Equal Housing Lender.

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

03/19/2026

Spring is one of the most exciting times to buy a home. More listings hit the market, neighborhoods start buzzing with open houses, and buyers feel energized by the fresh start the season brings. But with that excitement also comes competition.

If you’ve heard stories about bidding wars, cash buyers, or homes selling in a weekend, you might be wondering: How can you compete in the spring market without stretching beyond your comfort zone?

The good news is that you don’t have to overpay to succeed. With the right strategy, preparation, and lending partner, you can make a strong offer while still protecting your financial goals.

How to compete in the spring housing market without overpaying, including Value Assurance, a way to strengthen your offer without taking on additional risk.

03/17/2026

Feeling lucky? The spring market is beginning to bloom, and it’s a great time to start thinking about your next move. Whether you're buying your first home or dreaming about your next one, we're here to help light the way.

In the spirit of St. Patrick’s Day, try some "green" upgrades at home. Consider switching to LED bulbs or planting something new in your yard. A little green can go a long way!

03/13/2026

Despite lower inflation, oil price concerns pushed rates higher during the week ending March 13, 2026. is an Equal Housing Lender.

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

03/12/2026

Buying a home is a big milestone. Maybe you just picked up the keys to your first house, moved in with your spouse after getting married, or finally traded apartment life for a place that’s truly your own.

What many new homeowners don’t realize right away is that homeownership can also come with meaningful tax advantages.

And while owning a home certainly comes with expenses, the IRS offers several deductions and credits that can help. When you understand how they work, these benefits can help you keep more of your money and make the financial side of homeownership a little brighter.

While owning a home certainly comes with expenses, the IRS offers several deductions and credits that can help reduce your taxable income.

03/10/2026

If saving for a down payment feels overwhelming, you’re not alone. But here’s the good news: you may have more options than you think.
With over 2,500 down payment assistance programs available nationwide and flexible loan options designed to lower upfront costs, the right strategy can help you enter the spring market with confidence.
Ready to see what's possible? Give us a call or visit us online to get started today.

03/06/2026

Rates briefly dipped to recent lows during the week ending March 6, 2026, before coming under renewed pressure with military action in the Middle East. is an Equal Housing Lender.

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

03/05/2026

You’ve worked hard to build equity in your home. Now, it’s time to let your home work for you.

With Luminate Bank’s Stand-Alone Home Equity Line of Credit (HELOC), you can borrow what you need, when you need it, without changing your existing mortgage. Use your home equity to take on projects, manage debt, or plan your next big move.

With Luminate Bank’s Stand-Alone Home Equity Line of Credit (HELOC), you can borrow what you need, when you need it, without changing your existing mortgage.

03/03/2026

If you’ve ever applied for a mortgage and suddenly received calls, texts, or emails from lenders you didn’t recognize, you’re not alone. Many homebuyers experience this overwhelming outreach after applying for a home loan. It’s the result of something called a “trigger lead.”

Starting March 5, 2026, a new law, known as the Housing Privacy Act, is designed to change that experience by strengthening consumer privacy protections during the mortgage process.

Learn how the new mortgage privacy law reduces trigger leads and unwanted mortgage calls starting March 5, 2026, and what it means for homebuyers.

02/27/2026

Rates remained stable during the week ending February 27, 2026, with little economic data to pressure them higher or lower. is an Equal Housing Lender.

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

02/26/2026

The 2026 tax filing season officially began Monday, January 26, 2026, and federal taxes are due Wednesday, April 15, 2026.

By now, you should be receiving important tax documents like your W-2s and 1099s. While the deadline may feel far away, getting organized early can make filing easier and help you take advantage of potential homeowner tax deductions.

Here is a comprehensive guide of everything homeowners need to know before filing their 2026 taxes, including deductions, important forms, rental income, and more.

02/24/2026

81% of buyers say that saving for their down payment and closing costs is the biggest hurdle to buying a home.
The good news? We're here to help.
With over 2,500 programs nationwide, down payment assistance can offer an average of $18,000 to help close the gap.
And with flexible options such as FHA, VA, or USDA loans offering 3.5% or even 0% down, your path to homeownership may be closer than you think.
Bank brighter. Buy sooner.
Give us a call or visit us online to get started today.

Your down payment doesn't need to be a dealbreaker. Whether through local down payment assistance programs or federal loan options like FHA, VA, or USDA loans, there are multiple paths to affordable homeownership in 2025.