Luminate Home Loans - Vaughn Kavlie, CMPS, NMLS #284345

Luminate Home Loans - Vaughn Kavlie, CMPS, NMLS #284345 Vaughn is a Certified Mortgage Planning Specialist (CMPS™) with Luminate Home Loans (NMLS #150953).

Since 1989 he has worked primarily with Independent Community Banks, Financial Planners, and Professional Associations. Vaughn has trained and given seminars to hundreds of professionals about the real estate marketplace. Luminate specializes in residential home loans for real estate purchase and refinances. If you are looking for a licensed mortgage professional in Minnesota, we have local branch

es in Minneapolis, MN. FUN FACTS ABOUT VAUGHN!
• Been in the business for 30+ years
• Helped and impacted 3,500+ families
• Branch Produced over $1 Billion in mortgage loans
• Awarded: Super Mortgage Professional (while producing), Certified
Mortgage Planning Specialist, Reverse Mortgage Specialist,
Certified Housing Wealth Advisor
• Appeared several times as a mortgage industry guest on WCCO
Radio. At Luminate Home Loans, our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way. We make lending approachable by bringing transparency and consistency to every part of the financial world - guiding people to decisions that they feel are in their best interest. It's our goal to help you feel informed and engaged at every turn.

Dreaming of homeownership, but your income doesn’t fit the nine-to-five mold? You’re not alone – and you’re not out of o...
11/06/2025

Dreaming of homeownership, but your income doesn’t fit the nine-to-five mold? You’re not alone – and you’re not out of options. Swipe to see how Non-QM loans from Luminate Bank could help you unlock the door to your next chapter, no matter how you earn.

Curious if you qualify? Let’s chat. Your journey deserves a personal approach.

https://vaughnkavlie.goluminate.com/

Existing home closings rose 1.5% from August to September, slightly below expectations, but were still up 4.1% compared ...
11/04/2025

Existing home closings rose 1.5% from August to September, slightly below expectations, but were still up 4.1% compared to a year ago. Inventory also increased, climbing 1.3% from August and 14% year over year. Source: MBS Highway

🌟 Charity of the Month Spotlight 🌟We are honored to shine a light on Dakota Woodlands, the only shelter in Dakota County...
10/30/2025

🌟 Charity of the Month Spotlight 🌟
We are honored to shine a light on Dakota Woodlands, the only shelter in Dakota County dedicated exclusively to families experiencing homelessness. Located in Eagan, Minnesota, Dakota Woodlands empowers displaced families on their journey toward independence.

Why they matter:
🔹 In 2024, they provided shelter and essential services to over 214 individuals.
🔹 Transitioned 54+ families into permanent housing.
🔹 Distributed nearly 1,941 self-care, hygiene, and baby items, and served 5,949+ meals & snacks.

💡 How you can help:
Donate: Every gift helps provide stability, resources, and hope for families working toward independence. https://www.dakotawoodlands.org/

🙏 Let’s come together this month to support Dakota Woodlands and uplift families navigating one of life’s toughest transitions. Your contribution—big or small—makes a real difference.

10/28/2025

One of the most interesting ways to use a HECM Reverse Mortgage is to purchase a new home with it!

Here’s a quick example:
Let’s say your current home is worth $400,000, and you’d like to buy a new home for $500,000.

By using a HECM Reverse Mortgage, you could put about 60% down ($350,000) and never have a monthly mortgage payment!

It’s a unique and powerful retirement strategy that helps you right-size your home while keeping more cash flow available.

📞 Call me today at 612-619-3971 — let’s have a conversation about how this could work for you!

Dreaming of turning a fixer-upper into your forever home or making big upgrades where you already live? With renovation ...
10/23/2025

Dreaming of turning a fixer-upper into your forever home or making big upgrades where you already live? With renovation loans from Luminate Bank®, that potential is closer than you think. Contact me today and we'll get started!

https://vaughnkavlie.goluminate.com/

Good news for future filers: Tax brackets and standard deductions are going up for 2026, which could mean potential tax ...
10/21/2025

Good news for future filers: Tax brackets and standard deductions are going up for 2026, which could mean potential tax savings when you file in April 2027. Source: MBS Highway

You’re almost home. Don’t let a scam take the keys. Scammers love targeting homebuyers right before closing. With a few ...
10/16/2025

You’re almost home. Don’t let a scam take the keys.

Scammers love targeting homebuyers right before closing. With a few smart moves, you can protect your dream and cross the finish line with confidence.

Always ask your trusted Luminate Bank loan officer if anything feels unusual. Your dream home is worth protecting. We’ll help you get there safely.

https://vaughnkavlie.goluminate.com/

10/14/2025

🚫 Myth: You lose your home when you do a Reverse Mortgage.
✅ Truth: With a HECM Reverse Mortgage, you remain the homeowner — just like you are today.

When you pass away, your home is sold, any loan balance is paid, and the remaining equity goes to your estate or heirs. It’s that simple.

Want to understand how it works for your situation?
📲 Call me at 612-619-3971 — let’s chat!

💸 Gen Z or Millennial: how do your money habits compare?From savings goals to investing confidence, the data is in and i...
10/09/2025

💸 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.

✨ Curious about how a Reverse Mortgage could work for you? ✨We’ve made it simple—use our FREE Reverse Mortgage Calculato...
10/07/2025

✨ Curious about how a Reverse Mortgage could work for you? ✨

We’ve made it simple—use our FREE Reverse Mortgage Calculator to explore your options and see what might be possible for your future. 🏡💡

No pressure. No commitment. Just clear numbers to help you make informed decisions. Try it today and take the first step toward financial peace of mind!

https://vaughnkavlie.goluminate.com/reverse-mortgages

👉 Scroll to bottom of page -> Plug in info -> Click Calculate

📊 Boomers and Millennials are both active in the housing market, but in different ways.Cash vs. credit. Downsizing vs. u...
10/02/2025

📊 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.

09/30/2025

💡 Did you know there are two rate options with a Reverse Mortgage?
1️⃣ Fixed Rate – One-time use, limited access to funds.
2️⃣ Adjustable Rate (ARM) – Far more flexible with multiple options to meet your needs.

That’s why most borrowers choose the Adjustable Rate program—it simply gives you more control.

📞 Curious which option could be right for you? Call me at 612-619-3971 and let’s talk!

Address

2523 S. Wayzata Blvd. Suite 200
Minneapolis, MN
55405

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Website

Alerts

Be the first to know and let us send you an email when Luminate Home Loans - Vaughn Kavlie, CMPS, NMLS #284345 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Luminate Home Loans - Vaughn Kavlie, CMPS, NMLS #284345:

Shortcuts

Share

Category