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First-Time Homebuyers

Buying your first home is one of the biggest milestones in life. The 2 Mortgage Guys — Ryan Minick and Steve DeLon, Branch Managers & Senior Loan Officers at Luminate Bank in Kokomo, Indiana — make it simple, stress-free, and even exciting. From pre-approval to closing day, they are with you every step of the way.

Whether you are dreaming of a cozy starter home or a place to grow your family, we have the programs, tools, and expertise to turn that dream into keys in your hand.

Get Pre-Approved

Programs for First-Time Buyers

FHA Loans

3.5% down, flexible credit requirements

Conventional 3% Down

First-time buyer programs with low down payments

USDA Rural Loans

0% down for eligible rural and suburban areas

VA Loans

0% down for veterans and active military

HomeReady

Fannie Mae 3% down with flexible income and cancellable PMI

Home Possible

Freddie Mac 3% down with flexible income and cancellable PMI

Don't let the lack of money keep you from buying a home.

Down Payment Assistance

Grants and loans to help cover your down payment

The Home Buying Process

Quick overview of the home buying process

1

Get Pre-Approved

Know your budget and show sellers you are serious. We review your income, credit, and savings to issue a pre-approval letter.

2

Find Your Home

Work with a realtor to tour homes in your price range. Your pre-approval sets the ceiling so you shop with confidence.

3

Make an Offer

Once you find the right home, your agent submits an offer. We can quickly adjust your pre-approval if needed.

4

Loan Processing

We order the appraisal, verify your documents, and work with the title company. Most loans clear in 17–30 days.

5

Close & Move In

Sign final documents, pay your down payment and closing costs, and receive the keys. Welcome home!

First-Time Homebuyer Guide

Free First-Time Homebuyer Guide

Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve.

2MG Daily

Latest First-Time Buyer Insights

Recent articles from our blog covering first-time homebuyer programs, down payment tips, and getting started.

Your First Home Starts Here

The 2 Mortgage Guys will guide you every step of the way.

Get Started
The 2 Mortgage Guys logo

The 2 Mortgage Guys

Branch Managers and Senior Loan Officers at Luminate Bank

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Contact Us

(765) 450-8933

[email protected]

Ryan Minick NMLS 203249

Steve DeLon NMLS 202876

Luminate Bank NMLS 1281698

Kokomo's Mortgage Team. Lending Nationwide.

1221 Appletree Lane, Kokomo, IN 46902

NMLS Consumer Access

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

© 2026 The 2 Mortgage Guys at Luminate Bank. All rights reserved.