Katie Litrenta - Mortgage Loan Originator NMLS: 1154609

03/16/2026

Your tax refund could be the start of your down payment.

Most people treat their tax refund like extra spending money.
But it could actually be the first step toward owning a home.

A refund can:

🏡 Kick-start a down payment fund
📉 Shorten a buyer’s saving timeline
🔑 Turn renters into ready buyers sooner

Even a few thousand dollars can make a bigger impact than most people realize.

If homeownership is on your radar in the next 12–24 months, this is a great moment to pause before spending that refund.

Realtors — this is the perfect time to have a conversation with renters in your database who might be closer than they think.

I’m always happy to help map out a realistic buying timeline for your clients.

📩 Let’s connect and run the numbers.

03/03/2026

5.0 star review received on Experience.com for Katie Litrenta by Olga M - Super easy to communicate.
Very helpful and informative. It was such a pleasure to work with you, Katie and your team!

Click to see all 25 reviews of Katie Litrenta, Loan Originator

01/16/2026

12/09/2025

5.0 star review received on Experience.com for Katie Litrenta by Toy C - Always above and beyond.

Click to see all 23 reviews of Katie Litrenta, Loan Originator

10/25/2025

5.0 star review received on Experience.com for Katie Litrenta by Mark S B - Katie would answer calls or return calls ASAP. She never had a problem staying in touch and all questions were important to her.

Click to see all 22 reviews of Katie Litrenta, Loan Originator

07/31/2025

5.0 star review received on Experience.com for Katie Litrenta by Kaliffe M - Katie and the Luminate staff worked diligently to put us in a position to successfully purchase our home. My wife and I are truly grateful for their dedication—thank you.

Click to see all 21 reviews of Katie Litrenta, Loan Originator

07/31/2025

5.0 star review received on Experience.com for Katie Litrenta by Toy C - Katie always goes above and beyond to communicate and encourage my clients in the most professional way.

I appreciate every opportunity I get to work with her and I trust her with all my potential buyers.

Click to see all 20 reviews of Katie Litrenta, Loan Originator

05/03/2025

🚫 Not every borrower checks the "traditional" boxes — and that's exactly who we’re here for.

🏡 Real Loans for Real-World Borrowers — from 1099 earners and self-employed creatives to investors and high-asset clients with non-traditional income.

✨ We’ve got flexible options:
✔️ 1099-Only Loans (no tax returns!)
✔️ Bank Statement Loans
✔️ DSCR for investors - we even offer cash out refi's on DSCR
✔️ Asset Depletion Loans

📍Think of me this weekend if you run into one of these buyers at an open house — I’ve got real solutions for real-life scenarios.

📲 Let’s connect and get your clients confidently qualified.

11/20/2024

Congratulations from the Luminators!

10/07/2024

📋 Mortgage regulations are always changing, and staying up-to-date can feel overwhelming. But don’t worry – as your loan officer, I’m here to keep you informed, compliant, and ahead of the curve. 💡 From new lending standards to the latest industry guidelines, I’ll guide you through every step, ensuring you’re always in the best position to succeed. Together, we’ll navigate the evolving landscape with confidence! 🏡

👉 Ready to stay ahead of the mortgage game? Send me a DM or click the link in my bio to learn more!
https://myoc.io/KatieLit

10/04/2024

🤔 As a self-employed borrower, you may face unique challenges when it comes to securing a mortgage, but that doesn’t mean it’s impossible! 💪 With my experience and knowledge, I specialize in helping self-employed individuals find the right financing options that match their financial profile. From flexible income verification to customized loan solutions, I’m here to guide you every step of the way and make the process as smooth as possible. 🏡

👉 Ready to explore mortgage options that fit your self-employed lifestyle? Send me a DM or click the link in my bio to get started today!
https://myoc.io/KatieLit

10/03/2024

⏰ When it comes to locking in your mortgage rate, timing is everything! The market can change quickly, and getting the right rate can make a huge difference in your monthly payments and overall savings. 📉 As your loan officer, I’m here to guide you on the perfect time to lock in, ensuring you secure the best deal possible. Whether rates are rising or falling, I’ll help you stay ahead of the curve and make the most of every opportunity. 🏡

👉 Ready to lock in a competitive rate? Send me a DM or click the link in my bio to get started today!
https://myoc.io/KatieLit