Helberth DeOliveira - NMLS # 303023

Helberth DeOliveira - NMLS # 303023 Your trusted partner in home loans and financial solutions. Whether you're buying, saving, or investing, we're here to make your financial future brighter.

A veteran of 22 years, Helberth DeOliveira entered the mortgage industry in 2001. Fluent in Spanish and Portuguese, Helberth says, “I have been able to help many people achieve the ultimate goal of owning a home. I take pride in helping people purchase their first of many homes to come.”

Helberth’s ability to support his clients from start to finish helped him to achieve Platinum Status within th

e industry for high production. “I always strive to help someone achieve the dream of homeownership while still meeting their financial goals,” he says. Helberth offers his clients an individualized experience, as he consistently makes the effort to understand their needs, allowing him to provide tailored options that will achieve their desired results.

“I have a passion for this industry,” he says. “I work hard for the best outcome, making sure that loans are closed in a timely manner, and that my borrowers are truly happy and satisfied.”

Outside of work, Helberth is a proud husband and father of six beautiful children, as well as a grandfather of three. In his spare time, he runs a bible study, volunteers, and loves riding motorcycles. Helberth is authorized to lend in New Jersey and Florida.

Rates moved higher during the week ending June 12, 2026, after data showed increases in both wholesale and consumer infl...
06/12/2026

Rates moved higher during the week ending June 12, 2026, after data showed increases in both wholesale and consumer inflation. is an Equal Housing Lender.

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

Whether you're accumulating investment properties, consulting, or building your next venture, there comes a point when g...
06/11/2026

Whether you're accumulating investment properties, consulting, or building your next venture, there comes a point when growth requires a stronger financial foundation. Separating your finances, improving cash flow visibility, and choosing the right banking tools can make a big difference as your business evolves.

In addition to a wide range of Non-QM offerings, I'd be happy to connect and share the broader ecosystem of what Luminate Bank offers our clients.

When you're an entrepreneur launching your next big idea, the right banking setup can help you spend less time managing finances and more time building your business.

06/09/2026

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.

Luminate Bank® is honored to be recognized as a 2026 Top 30 Mortgage Lender by Scotsman Guide. Since 2013, Scotsman Guid...
06/08/2026

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.

Rates were flat during the week ending June 5, 2026, as peace talks in the Middle East continued to drag on with no new ...
06/05/2026

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.

A lot of first-time buyers think they need to find their “forever home” right away.The truth? Your first home just needs...
06/04/2026

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.

Today we're celebrating something that means a lot to us. Luminate Bank® has been named a 2026 Financial Services Top Wo...
06/03/2026

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.

As students prepare for college life, parents are preparing for something too: helping protect what matters most.From in...
06/03/2026

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.

06/01/2026

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.

Rates improved during the week ending May 29, 2026, as markets anticipated a peace deal. is an Equal Housing Lender.
05/29/2026

Rates improved during the week ending May 29, 2026, as markets anticipated a peace deal. is an Equal Housing Lender.

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

Address

1205 N. Franklin Street , Suite 106
Tampa, FL
33602

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