Open a Luminate Bank Checking account with your mortgage and unlock substantial savings on your closing costs. It's our way of saying thank you for choosing us.
toward your closing costs
Up to $400 Credit
with $2,500 minimum deposit
Up to $1,000 Credit
with $100,000 minimum deposit
We've made it simple to save on your closing costs. Just three easy steps to brighter savings.
Start your mortgage application with Ryan at Luminate Bank. We'll guide you through every step of the process.
Open your new Luminate Bank Checking account with a minimum deposit of $2,500 or $100,000 for maximum savings.
We'll automatically apply your closing cost credit — up to $400 or $1,000 — directly to your mortgage closing.
Closing costs can add up quickly. With Brighter Closing, you keep more money in your pocket for what matters most — making your new house a home.
What you see is what you get. Transparent savings with no surprises.
Your credit is applied automatically — no extra paperwork needed.
Choose the deposit level that works best for your financial goals.
With $2,500 minimum opening deposit
With $100,000 minimum opening deposit
Let's discuss how Brighter Closing can work for your mortgage. Fill out the form and Ryan will reach out to explain everything.
Up to $400 lender credit provided for new Luminate Bank checking accounts opened with a minimum opening deposit of $2,500. Up to $1,000 lender credit provided for new checking accounts opened with a minimum opening deposit of $100,000 or more. Checking account must be opened and funded at least 5 business days prior to mortgage loan closing. The Lender Credit applies to new loan fees only. Must request the Lender Credit at the time of application. Lender Credit is not available on construction loans, bridge loans or HELOCs and availability is subject to change without notice. Lender's credit is subject to loan program minimum contribution requirements and actual lender credit may not exceed maximum allowable credit based on existing credits and applicable fees. Cannot be combined with any other offer and is limited to one lender credit per customer. Offer not redeemable for cash. Additional limitations may apply. Offer may be discontinued at any time at the sole discretion of Luminate Bank.