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SPEC and Construction Financing

For Builders and Investors

ILLUMINATE YOUR BUSINESS WITH LUMINATE BANK

  • Luminate Bank offers spec, lot, and land loans.
  • We can work with you to provide attractive rates that are tied to your developments only
  • We have a dedicated division full of experts to handle all Construction and Renovation transactions (OTC, 2TC, and Renovation)
  • Luminate Bank offers a full slate of non-traditional lending options including bank statement and portfolio loans
  • 2-1 and 3-2-1 Buy Downs available to be used to market your homes
  • We can lock loans up to 360 days and offer free float downs to our construction clients
  • We will make sure that we close ontime by making the final underwriting items due by signing, so we can work with title to balance and sign with ease for you and your customers
  • With a business Bank Relationship, we can help you finance multiple spec homes or develop land


Ready to take the next step?

Reach out for more details and a one-on-one conversation.

I’ve worked with this team for 25 years. He has financed my home, my sons, my daughters, and lots of friends and family.

Also I’m a retired contractor and he did all our customers loans for building remodel work.


From to 203 k loans to regular refinance to all forms of personal construction loans. For me there is only one mortgage broker I trust for myself, family and business. Honest, on time and competitive. It doesn’t get better than that!!!


Murray S

Luminate to rescue!! My first time homeowner was told by the builder one week before closing that they could not approve.


The builder sent us to Luminate and they did for us what the builder's lender could not!


We saved the property and most of our negotiated savings and then they went and found some more to make up the difference! They really did save the day and I am already referring more clients to her. Thank you. This one was personal for me.


Carli P

Answered every call text and email promptly. We had been with another lender 6 months and were not satisfied.

We left that lending service to come to work with Luminate.


They came highly recommended from our builder and we could not be happier. They listened to our concerns and delivered what we asked for.


Alexis M

Ready to Take the Next Step?

Reach Out and We'll Review Your Details Together!

Contact Us

Our team is available to review your specific situation and financing options, whether you already own the land, want to purchase land and use your own builder, or refinance a renovation, and more!