Charley Perry Mortgage Team

09/06/2026

An important question comes across my desk a lot:
"Can I avoid PMI without putting down 20%?"

And the answer is yes.

With a Piggyback HELOC, you may be able to:
Put just 10% down.
Avoid PMI.
Keep more cash in savings.
Access a line of credit that stays open after closing.

If you're wondering if this strategy can help you buy sooner (or buy the home you really want), I'm happy to walk through your options.

08/06/2026

Luminate Bank® is honored to be recognized as a 2026 Top 30 Mortgage Lender by Scotsman Guide.

Since 2013, Scotsman Guide has provided an industry benchmark for excellence in residential lending, serving as the most comprehensive measure of performance in the mortgage space.

This recognition is about more than a ranking. It is a reflection of the countless conversations, partnerships, and moments where our team members went the extra mile.

To the community that contributed to this achievement, thank you. Your dedication is the reason we're celebrating today.

08/06/2026

4.7 star review received on Experience.com for Charley Perry by Steven M - All that I spoke with and answered my questions,seemed knowledgeable and answered my questions satisfactory and were pleasant to speak with.

Click to see all 106 reviews of Charley Perry, Mortgage Loan Originator | NMLS # 145480

05/06/2026

Rates were flat during the week ending June 5, 2026, as peace talks in the Middle East continued to drag on with no new progress. is an Equal Housing Lender.

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

04/06/2026

A lot of first-time buyers think they need to find their “forever home” right away.

The truth? Your first home just needs to work for right now.

The right starter home can help you:
• Build equity
• Create stability
• Stay within a comfortable budget
• Take a meaningful step toward your long-term goals

Homeownership is a journey, and you don’t have to have every future detail figured out before you begin.

If you’ve been feeling stuck waiting for the “perfect” home, this is your reminder that smart, realistic progress still counts.

Your first home doesn’t have to check every box for the next 30 years. It just needs to support you while still helping you build momentum for what comes next.

03/06/2026

Today we're celebrating something that means a lot to us.

Luminate Bank® has been named a 2026 Financial Services Top Workplaces award recipient, an honor that is based entirely on direct employee feedback.

Each day, our team opens doors for our customers, our partners, and one another; and this recognition is a reflection of our shared purpose.

We are so proud of the culture we've created, shared, and sustained together.

To our community, this one's for you.

03/06/2026

As students prepare for college life, parents are preparing for something too: helping protect what matters most.
From insurance coverage to healthcare planning, there are a few important conversations families should have before students head to campus.

Once your child turns 18, a lot changes. Insurance coverage, healthcare access, and liability can suddenly become more complicated than many families expect.

02/06/2026

5.0 star review received on Experience.com for Charley Perry by Angel E A - Awesome service

Click to see all 105 reviews of Charley Perry, Mortgage Loan Originator | NMLS # 145480

01/06/2026

5.0 star review received on Experience.com for Charley Perry by Phillip W M - explained everything to me and my wife! Made sure we understood all of our options and helped make the best decision for the both of us. Charley and her team were awesom!

Click to see all 104 reviews of Charley Perry, Mortgage Loan Originator | NMLS # 145480

01/06/2026

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.