It’s not just about buying a house—it's about lighting your way home.

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.

A man and a woman are sitting on a dock overlooking a lake.

Hi, I'm Billy!

Billy Anstett, a Mortgage Loan Originator at Luminate Home Loans, is passionate about assisting clients in realizing their homeownership dreams. With a background as a Nationally Certified Credit Counselor, Billy specializes in helping individuals that many other loan officers are unable to support. If you believe homeownership is out of reach, Billy is here to prove otherwise!


Beyond his work, Billy cherishes moments with loved ones, enjoys a round of golf, and indulges in some PC gaming. When the time is right to embark on your journey toward your dream home, reach out to Billy for personalized guidance and expert advice. Experience the difference he can make in turning your aspirations into a reality.

>> Our Products

A black and white icon of a house on a white background.

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.

A black and white icon of a money bag with a dollar sign and a percent sign.
A black and white silhouette of a medal with a star on it.

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.

A black and white icon of a house with a tree in the background.

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.

A woman is smiling while holding a key in her hand.

“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”

Qaiser

“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”

Evan

“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”

Joan

WE BELIEVE.

The home loan process doesn't have to be scary. Our team is here to help!