Howard Spitalnick NMLS #367852

Howard Spitalnick NMLS #367852 Lighting your path to home ownership. When you're ready to buy, we're ready to help. Luminate Bank | NMLS # 1281698 | Member FDIC | Equal Housing Lender

You’re almost home. Don’t let a scam take the keys!Scammers love targeting homebuyers right before closing. With a few s...
09/10/2025

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.

Got an unexpected offer in the mail? Don’t sign anything just yet.Not every “low rate” or “urgent opportunity” is as swe...
09/07/2025

Got an unexpected offer in the mail? Don’t sign anything just yet.

Not every “low rate” or “urgent opportunity” is as sweet as it seems, and some could be downright risky. Before you act, connect with your Luminate Bank team that knows you and your financial goals.

Here’s what to consider before saying yes to an unsolicited offer:

• Know your source: Scammers often pose as legit lenders.
• Dig into the details: Lower rates may come with higher hidden costs.
• Leverage your loan officer: We already know your financial story and can tailor a better plan.
• Better deals might already be waiting: You could qualify for more than you think.
• Let’s talk it through: Our expert second opinion is just a call away.

You’ve worked hard to get where you are. Make sure the next step supports your future.

You work hard for what matters. Today, take a well-deserved break! Whether you’re grilling with friends, relaxing at hom...
09/01/2025

You work hard for what matters. Today, take a well-deserved break! Whether you’re grilling with friends, relaxing at home, or chasing that extra hour of sleep, Luminate Bank is here to cheer you on. Here’s to everyone making dreams happen, one day at a time. Happy Labor Day!

📊 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.

Address

2523 S. Wayzata Boulevard Suite 200
Minneapolis, MN
55405

Telephone

+17637422333

Website

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