Your personalized Indiana mortgage experience starts here.

Ready to make your homeownership dreams a reality? Luminate Bank is here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment to making the process smooth and clear.

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Shine Light on Your Home Financing Options

Finding the perfect mortgage shouldn't leave you feeling lost in the Heartland. The 219 Local Mortgage Team, serving Northwest Indiana, is here to illuminate your path to homeownership. As local experts, we believe in empowering you with knowledge and guiding you through a seamless loan process.


Our goal is to make home financing transparent, accessible, and stress-free. You'll never be left in the dark with our team. We prioritize open communication, ensuring you're informed every step of the way.


When you're ready to unlock your dreams of homeownership in the region, count on us for unwavering support.

>> Our Products

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Conventional Loans

Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.

FHA Loans

FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.

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VA Loans

VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.

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USDA Loans

USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.

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“Hands down they are the company you want to use for your home loan/refinance.”

Matt and his staff did a great job getting me the lowest rate possible on my loan, answered my emails/questions promptly, and really went out of their way to give me the best service. Hands down they are the company you want to use for your home loan/refinance. I will be recommending them to anyone I know that is looking for help in buying/refinancing a home. I'd give them 10 stars but this site is only allowed 5! Thanks again Matt and all of your hardworking staff. I appreciate it.


George

“I would definitely work with Matt again and recommend to friends!”

Very easy to work with. The entire process was seamless, with excellent communication along the way. I would definitely work with Matt again, and recommend to friends!


Lynee

“Matt and Mike went above and beyond anything I ever expected.”

They minimized the process to keep it as stress free as possible, They even helped my obtain some of the required documents.


Andrew

Your Local Mortgage Experts.

Looking for reliable mortgage services in Northwest Indiana? The Local 219 Mortgage Team has got you covered! With deep roots in Lake, Porter, and LaPorte counties, we're dedicated to delivering personalized attention and expertise to our neighbors.


Our experienced mortgage professionals are conveniently located in the heart of Northwest Indiana, serving communities from Gary to Valparaiso, and Chesterton to Michigan City. Whether you're a first-time homebuyer or a seasoned investor, we're here to guide you through the mortgage process and find the perfect loan option tailored to your needs.


Feel free to reach out whenever you're ready to shine light on your home financing options!