Carolyn Mayberry Jorschumb, NMLS 1110027

Carolyn Mayberry Jorschumb, NMLS 1110027 Carolyn Mayberry Jorschumb | Loan Originator NMLS #1110027

Refined Lending is a loan production office of Luminate Bank.

NMLS 1281698 | Equal Housing Lender | Member FDIC

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

Patience. Speed. Communication.That’s what makes the difference during a refinance—and it’s exactly what you can expect ...
04/24/2026

Patience. Speed. Communication.

That’s what makes the difference during a refinance—and it’s exactly what you can expect from Refined Lending a division of Luminate Bank. We know every situation is unique, and we’re here to guide you through it with clarity and confidence.

Thinking about refinancing? Let’s make it a smooth one.

💰 The #1 question every home buyer asks — and most people guess wrong."How much home can I actually afford?"The answer ...
04/22/2026

💰 The #1 question every home buyer asks — and most people guess wrong.
"How much home can I actually afford?"

The answer isn't just your income. It's a combination of 5 factors — and knowing them before you shop changes everything.

At Refined Lending, a division of Luminate Bank, we help buyers across the country get clear on their real number — at no cost, with zero obligation.
Whether you're in Minnesota, Florida, Texas, California, or anywhere in between — our team is licensed to lend nationwide and ready to talk.

💬 Comment below: Are you closer than you think? We read and respond to every single one.

🏡 Want to buy a home this year? Start here.Your credit score is an important factors in the mortgage process — and most ...
04/20/2026

🏡 Want to buy a home this year? Start here.

Your credit score is an important factors in the mortgage process — and most people don't know what actually moves it.

Swipe through and learn the 5 things that can affect your score before you apply. 👇

At Refined Lending, a division of Luminate Bank, we help buyers across the country understand their options — before they ever fill out an application.

💬 Drop a comment: What's your biggest question about credit and home loans? We answer everyone.

Responsive. Clear. Easy to work with.That’s the standard at Refined Lending a division of Luminate Bank. We know the mor...
04/17/2026

Responsive. Clear. Easy to work with.

That’s the standard at Refined Lending a division of Luminate Bank. We know the mortgage process can feel overwhelming—that’s why we focus on communication and making sure you understand every step along the way.

Buying or refinancing soon? Let’s make it simple.

Still paying someone else's mortgage every month? 😬Swipe through this and tell us — which side do YOU want to be on?❌ RE...
04/15/2026

Still paying someone else's mortgage every month? 😬

Swipe through this and tell us — which side do YOU want to be on?

❌ RENTING: Money out the door. No equity. No ownership. No return.
✅ OWNING: Building wealth. Growing equity. It's YOURS.

The gap between renting and owning is smaller than most people think. At Refined Lending, a division of Luminate Bank, we help buyers bridge it every single day.

👇 Drop a 🏡 in the comments if homeownership is your 2026 goal.

🏠 Let's talk about something nobody really explains — what a mortgage rate actually IS.Most people hear "you got a great...
04/13/2026

🏠 Let's talk about something nobody really explains — what a mortgage rate actually IS.

Most people hear "you got a great rate" and nod along. But do you know what that actually means for your monthly payment? Your total loan cost? Your long-term wealth?

Swipe through this quick breakdown — we made it simple on purpose.

Here's what we cover: → What a rate actually represents → Why YOUR rate is personal to you → The difference between fixed and adjustable → How to start a real conversation about what fits your goals.

At Refined Lending, a division of Luminate Bank, we believe you deserve to understand every single line of your loan — not just sign at the bottom.

💬 Drop your biggest mortgage question in the comments below. Our team reads and responds to every single one.

Second time working with our team—and the experience matters just as much as the results.At Refined Lending a division o...
04/10/2026

Second time working with our team—and the experience matters just as much as the results.

At Refined Lending a division of Luminate Bank, we believe communication, organization, and accessibility aren’t extras—they’re expected. Every question answered, every step clearly guided, every closing handled with care.

That’s how we make home financing feel seamless.

If you’re looking for a team that keeps you informed and supported from start to finish, let’s connect.

Ever wonder what your loan officer is actually doing behind the scenes? 👀While you're going about your day, your team at...
04/08/2026

Ever wonder what your loan officer is actually doing behind the scenes? 👀

While you're going about your day, your team at Refined Lending, a division of Luminate Bank is:

📋 Reviewing your documents
📞 Coordinating with underwriting
🔍 Problem-solving before issues reach you
🎉 Celebrating every single closing

This is what a mortgage lender that actually works hard for you looks like.
💬 What's the #1 thing you'd want your loan officer to know about you? Drop it in the comments — we'd love to hear.

🌸 Spring is here — and if buying a home has been on your mind, this is the season to get serious.Every year, the spring ...
04/06/2026

🌸 Spring is here — and if buying a home has been on your mind, this is the season to get serious.

Every year, the spring market brings more listings, more buyers, and more competition. The families who are prepared? They win. The ones who wait? They watch someone else get the house.

Here's what Refined Lending, a division of Luminate Bank, is seeing right now across Minnesota and beyond:

🏘️ More homes are hitting the market — giving buyers real options after a slow winter
📈 Buyer activity is picking up fast — multiple offer situations are becoming common again
🔑 Pre-approved buyers are getting accepted over higher offers from unprepared buyers
💬 The most common thing we hear? "I wish I had started sooner."

The good news: Getting pre-qualified is simple and quick, and costs you nothing — but gives you everything when the right home hits the market.

Whether you're a first-time buyer in Minneapolis, relocating across Minnesota, or finally ready to stop renting and start building equity — our team is here to walk you through every step. No pressure. No confusing jargon. Just honest guidance.

💬 Tell us in the comments: Are you thinking about buying this spring? What's your biggest hesitation? We'll answer every single one.

Another smooth closing and a great client experience—that’s what it’s all about.At Refined Lending a division of Luminat...
04/04/2026

Another smooth closing and a great client experience—that’s what it’s all about.

At Refined Lending a division of Luminate Bank, we pride ourselves on being responsive, detail-driven, and easy to work with every step of the way. Whether it’s a purchase or refinance, our goal is simple: make the process feel seamless and stress-free.

Thinking about your next move? We’re here when you need us.

Address

9240 Baltimore Street NE
Minneapolis, MN
55403

Opening Hours

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

Telephone

+16512782012

Website

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