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 Norbert!

I’m passionate about helping my clients achieve the American dream of homeownership. I started in the mortgage industry in 2000 and after 24 years I still get fired up when I make that first call to a new client.


I love strategizing with my buyers and educating them on the mortgage process and the opportunity of creating wealth through real estate. I’m honored to have been recognized multiple times as a Top 1% of Mortgage Originators in America. The burning drive to be successful in our business comes from my family. They are truly the reason “WHY” my fire burns so hot.

 

I’m a husband and a dad of two incredible kids. In our free time, we enjoy traveling together! My hobbies include playing tennis with my son and volleyball with my daughter. They even let me coach them occasionally… when they’re being nice to me😊

>> 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!

Unlock Your Home's Financial Potential with Homebot!