# The 2 Mortgage Guys > sdfs ## Contact - Email: Questions@the2mg.com - Phone: (765) 450-8933 ## Pages - [Home](https://the2mortgageguys.com) - [Meet The Team](https://the2mortgageguys.com/about-us) - [Contact Us](https://the2mortgageguys.com/contact-us) - [FHA Loans](https://the2mortgageguys.com/fha-loans) - [VA Loans](https://the2mortgageguys.com/va-loans) - [Conventional Loans](https://the2mortgageguys.com/conventional-loans) - [USDA Loans](https://the2mortgageguys.com/usda-loans) - [Jumbo Loans](https://the2mortgageguys.com/jumbo-loans) - [First Time Homebuyer](https://the2mortgageguys.com/first-time-homebuyer) - [Renovation Loans](https://the2mortgageguys.com/renovation-loans) - [Investment Property Loans](https://the2mortgageguys.com/investment-property-loans) - [Non-QM & Bank Statement Loans](https://the2mortgageguys.com/non-qm-loans) - [Commercial Loans](https://the2mortgageguys.com/commercial-loans) - [Brighter Closing](https://the2mortgageguys.com/brighter-closing) - [2MG Daily](https://the2mortgageguys.com/blog) - [Financial Builders FCU](https://the2mortgageguys.com/fb) — TPO portal for Financial Builders FCU loan officers. - [Loan Program Calculator | The 2 Mortgage Guys](https://the2mortgageguys.com/loan-calculator) — Find your perfect mortgage loan in minutes. Answer a few quick questions about credit score, down payment, and property type to see which loan programs you qualify for. - [Haynes Community Credit Union](https://the2mortgageguys.com/haynes) - [First Farmers Bank & Trust](https://the2mortgageguys.com/ffbt) - [Home Owner Portal | The 2 Mortgage Guys](https://the2mortgageguys.com/home-owner-portal) — Sign up for exclusive access to the Home Owner Portal from The 2 Mortgage Guys. Track your loan, upload documents, get AI equity reports, and message Ryan & Steve directly. - [Home AI Equity Report | The 2 Mortgage Guys](https://the2mortgageguys.com/home-ai-equity-report) — Get a free monthly Home AI Equity Report from The 2 Mortgage Guys. Track your home's value, equity position, and financing opportunities with AI-powered insights. - [Get Started | The 2 Mortgage Guys](https://the2mortgageguys.com/get-started) — Choose your loan officer and get started with The 2 Mortgage Guys. Apply for a loan or schedule a free consultation with Ryan Minick or Steve DeLon. - [Loan Calculators | The 2 Mortgage Guys](https://the2mortgageguys.com/loan-calculators) — Explore mortgage calculators for FHA, VA, conventional, USDA, jumbo, and refinance loans. Estimate payments and compare programs with The 2 Mortgage Guys. - [TPO Partner Program | The 2 Mortgage Guys](https://the2mortgageguys.com/tpo) — Third-party origination for small banks and credit unions. Expand your mortgage menu with The 2 Mortgage Guys — fast turn times, white-glove support, and 11+ loan products. ## Home ### The 2 Mortgage Guys ### The Most 5-Star Google Reviews in the Area ### The Most 5-Star Google Reviews in the Area ### The Power of Two Working For You ### Payment Calculator ### About Luminate Bank ### Find Your Perfect Loan ### Know Your Home's Worth Every Month. ### Free First-Time Homebuyer Guide ### Your guide is opening! ### We go where you go! ### Primary Residence ### 2nd Homes & Vacation ### Investment Properties ### Relocation ### New Construction ### Refinance & Cash-Out ### Home Owner Portal ### Home Ownership Simplified. LOAN PROGRAMS CLIENT BENEFITS MORE PAGES The 2 Mortgage Guys are Steve DeLon and Ryan Minick. They've been helping clients with their home financing since 2005! They started working together in the early 2000's and have never looked back. If you're looking for a "Five Star" experience, you've found it with The 2 Mortgage Guys! Steve DeLon Loan Officer NMLS #202876 Ryan Minick NMLS #203249 When it comes to choosing a mortgage lender, don't just take our word for it. See what hundreds of happy homeowners have to say. " " When it comes to choosing a mortgage lender, don't just take our word for it—see what hundreds of happy homeowners have to say. The 2 Mortgage Guys - Ryan Minick and Steve DeLon - leverage their expertise and relationships through to guide you to the right loan for your situation. One application, personalized service, every step of the way. Ryan & Steve The 2 Mortgage Guys Estimate your monthly mortgage Estimated Monthly Payment Principal & Interest Only Luminate Bank is the trusted financial institution behind The 2 Mortgage Guys. With a commitment to personalized service and competitive lending solutions, Luminate Bank empowers homebuyers with the tools and expertise they need to achieve their dreams. From first-time buyers to seasoned investors, Luminate Bank offers a comprehensive suite of mortgage products designed to fit every unique financial situation. Their team-driven approach ensures that every client receives the attention and care they deserve. 1281698 NMLS Number Minneapolis, MN Headquarters We've got them all! Home AI "Monthly Equity Report" Get a comprehensive home equity analysis powered by AI and real-time market data. Each month, receive a personalized report showing your estimated home value, equity position, neighborhood trends, and financing opportunities — delivered straight to your inbox. Monthly insights delivered to your inbox. Powered by AI and real-time market data. Delivery Email Reports ## Meet The Team ### Meet The 2 Mortgage Guys ### Ryan Minick ### Steve DeLon ### Meet the rest of our incredibly talented team ### Angela Kellar ### Kelly Hodges ### Lorena Martinez ### Let's Work Together LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Two professionals, one mission: helping families achieve their homeownership dreams with integrity, expertise, and personalized service. Co-Founder & Mortgage Advisor Ryan grew up in the small town of Peru, Indiana. He and his wife, Kathi, moved to Kokomo, Indiana, in 2001. They raised their two boys there, Tyler and Joshua, and still reside there today. Ryan's been helping families with their home financing since 2003. His biggest passion in the mortgage industry is helping first-time homebuyers put together a path to home ownership. When Ryan's not working, you can find him playing racquetball, riding his Harley, mixing cocktails in his home bar, or hacking up a golf course. Steve's been in the business of helping people find the right mortgage loan since 2000. He specializes in helping people understand the mortgage and home buying process. Steve is a four-time Honor Affiliate of The Year for the Realtors Association of Central Indiana. He is happily married with five children and two grandchildren. He loves spending time with family & friends, and enjoys relaxing by the pool, riding his motorcycle and rooting for the Reds, Pacers and the Colts! Senior Loan Processor Angela brings a detail-oriented approach to every loan file, ensuring a smooth and efficient process from application to closing. Her commitment to clear communication keeps clients informed every step of the way. Licensed Loan Partner Kelly is passionate about helping families navigate the home buying journey. She works closely with clients to gather documentation and coordinate with all parties to keep every transaction on track. Client Services Manager Lorena helps our clients after closing. From assisting with their online accounts and additional services we provide each client after closing, to periodically checking in and scheduling our annual mortgage reviews. Ready to take the next step? Reach out for a free consultation and personalized rate quote. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Contact Us ### Contact The 2MG Team ### Call Our Office ### Email Us ### Schedule Appointment ### Visit Our Office ### Send a Message ### Thank You! ### Why Work With Us? ### Ready to Apply? LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Have questions? Ready to get pre-approved? We're here to help — reach out today. Book a time that works for you 1221 Appletree Lane Kokomo, IN 46902 Office Hours: Mon – Fri, 8:30 AM – 5:00 PM We'll be in touch shortly. Something went wrong. Please try again. Start your mortgage application in just a few minutes. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## FHA Loans ### FHA $ Estimate ### FHA Loans ### Why Choose an FHA Loan? ### FHA Loan Requirements ### FHA Mortgage Calculator ### FHA Loan FAQ ### Free First-Time Homebuyer Guide ### Your guide is opening! ### Ready to Explore FHA Financing? LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Flexible financing for first-time buyers and those with lower credit scores. Down payments as low as 3.5%. FHA loans are insured by the Federal Housing Administration, making them accessible to borrowers who might not qualify for conventional financing. See what your monthly payment could look like with an FHA loan. Includes principal, interest, taxes, insurance, and FHA mortgage insurance. $ down LTV: % Estimated Monthly Payment Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve. Check your inbox for your free First-Time Homebuyer Guide. We'll follow up personally if you need anything else. Something went wrong. Please try again. Let The 2 Mortgage Guys find the best FHA loan for your situation. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## VA Loans ### VA Mortgage Estimate ### VA Loans ### Benefits of VA Financing ### VA Loan Eligibility ### VA Mortgage Calculator ### VA Loan FAQ ### Free First-Time Homebuyer Guide ### Your guide is opening! ### Thank You For Your Service LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Zero down payment, no mortgage insurance, and competitive rates for those who have served our country. VA loans are one of the most powerful mortgage benefits available, offering significant savings and flexibility for eligible service members and veterans. See what your monthly payment could look like with a VA loan. No mortgage insurance, $0 down payment, just the VA funding fee. Common VA Funding Fee Exemptions Exemption status is confirmed on your Certificate of Eligibility (COE). This tool is for estimation only; always verify your status with the VA. Veterans with a service-connected disability rating may be exempt from the funding fee. Click EXEMPT if this applies to you. $ down Estimated Monthly Payment Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve. Check your inbox for your free First-Time Homebuyer Guide. We'll follow up personally if you need anything else. Something went wrong. Please try again. Let The 2 Mortgage Guys help you make the most of your VA benefit. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Conventional Loans ### The 2 Mortgage Guys ### Loan Details ### Payment Breakdown ### Loan Summary ### Conventional Loans ### Why Go Conventional? ### Conventional Loan Requirements ### Conventional Loan Calculator ### Conventional Loan FAQ ### Free First-Time Homebuyer Guide ### Your guide is opening! ### Get Pre-Approved for a Conventional Loan LOAN PROGRAMS CLIENT BENEFITS MORE PAGES at Luminate Bank Program Conventional Loan Purpose Home Price $$ Down Payment $$ ($ %) Interest Rate $ % Loan Term $ Years Credit Score Property Tax (yr) Home Insurance (yr) HOA Dues (mo) Base Loan Amount PMI Rate Total Loan Amount PMI Status This estimate is for informational purposes only and does not constitute a loan approval or offer. PMI rates shown are approximate estimates only. Actual PMI rates depend on credit score, debt-to-income ratio, loan purpose, property type, and other factors. Actual rates, terms, and payments may vary based on creditworthiness, property type, and other factors. Please contact us for a personalized quote. Traditional mortgages with competitive rates. Down payments as low as 3% with flexible options for every buyer. Conventional loans offer flexibility and competitive terms for borrowers with good credit. With no upfront mortgage insurance and cancellable PMI, they can be the most cost-effective option. Estimate your monthly payment with PMI, taxes, and insurance. Adjust your down payment to see how PMI changes. Loan Purpose $ down Estimated Monthly Payment ## USDA Loans ### The 2 Mortgage Guys ### Loan Details ### Payment Breakdown ### Loan Summary ### USDA Loans ### Rural Homeownership Made Easy ### USDA Loan Requirements ### USDA Mortgage Calculator ### USDA Loan FAQ ### Free First-Time Homebuyer Guide ### Your guide is opening! ### Check Your Eligibility LOAN PROGRAMS CLIENT BENEFITS MORE PAGES at Luminate Bank Program USDA Loan Purpose Home Price $$ Down Payment $$ ($ %) Interest Rate $ % Loan Term $ Years Credit Score Property Tax (yr) Home Insurance (yr) HOA Dues (mo) Base Loan Amount USDA Upfront Fee (1%) Total Loan Amount USDA Annual Fee Rate 0.35% This estimate is for informational purposes only and does not constitute a loan approval or offer. Actual rates, terms, and payments may vary based on creditworthiness, property type, and other factors. Please contact us for a personalized quote. Zero down payment financing for eligible rural and suburban homebuyers. Competitive rates with a low USDA guarantee fee. USDA loans, backed by the U.S. Department of Agriculture, make homeownership affordable for buyers in qualifying rural and suburban areas with no down payment required. See what your monthly payment could look like with a USDA loan. Zero down payment options with a USDA guarantee fee instead of mortgage insurance. Loan Purpose $ down ## Jumbo Loans ### The 2 Mortgage Guys ### Loan Details ### Monthly Payment Breakdown ### Jumbo Loans ### Financing Your Dream Home ### Jumbo Loan Qualifications ### Jumbo Loan Calculator ### Estimated Monthly Payment ### Jumbo Loan FAQ ### Luxury Home Financing LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Jumbo Loan Worksheet Ryan Minick & Steve DeLon at Luminate Bank Financing for luxury homes and high-value properties that exceed conforming loan limits. Competitive rates for qualified buyers. When your dream home exceeds conforming loan limits, jumbo loans provide the financing you need with competitive terms for well-qualified borrowers. Estimate your monthly payment for high-value properties. Adjust the details below to see your estimated payment. This is an estimate for illustration purposes only. PMI rates are approximate and can vary based on credit score, debt-to-income ratio, and other factors. Actual rates and payments may differ. Contact us for a personalized quote. This estimate is for informational purposes only and does not constitute a loan approval or offer. PMI rates shown are approximate estimates only. Actual PMI rates depend on credit score, debt-to-income ratio, loan purpose, property type, and other factors. Actual rates, terms, and payments may vary based on creditworthiness, property type, and other factors. Please contact us for a personalized quote. Let The 2 Mortgage Guys find the best jumbo loan terms for your high-value property. Branch Managers and Senior Loan Officers Follow Us On Contact Us Ryan Minick NMLS 203249 Steve DeLon NMLS 202876 Luminate Bank NMLS 1281698 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## First Time Homebuyer ### First-Time Homebuyers ### Programs for First-Time Buyers ### The Home Buying Process ### YOUR FIRST HOME ### Free First-Time Homebuyer Guide ### Your guide is opening! ### First-Time Buyer FAQ ### Your First Home Starts Here LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Buying your first home is one of the biggest milestones in life. The 2 Mortgage Guys make it simple, stress-free, and even exciting. From pre-approval to closing day, Ryan & Steve 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. Quick overview of the home buying process Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve. Check your inbox for your free First-Time Homebuyer Guide. We'll follow up personally if you need anything else. Something went wrong. Please try again. The 2 Mortgage Guys will guide you every step of the way. The 2 Mortgage Guys Branch Managers and Senior Loan Officers Follow Us On Contact Us Ryan Minick NMLS 203249 Steve DeLon NMLS 202876 NMLS 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Renovation Loans ### Renovation Loans ### Renovation Loan Options ### Renovation Loan Calculator ### Renovation Loan FAQ ### The 2 Mortgage Guys ### Renovation Loan Estimate ### Transform Your Fixer-Upper ### FOLLOW US ON ### CONTACT US ### LEGAL LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Finance your home purchase and improvements in one loan. Perfect for fixer-uppers and dream home transformations. Estimate your total loan amount and monthly payment for a home purchase plus renovation project. Common VA Funding Fee Exemptions Exemption status is confirmed on your Certificate of Eligibility (COE). This tool is for estimation only; always verify your status with the VA. $ down Estimated Monthly Payment Ryan Minick & Steve DeLon at Generated on Program Purpose Home Price Renovation Budget After Repair Value Down Payment $ ( ) Total Project Cost Loan Amount LTV vs. ARV Interest Rate VA Funding Fee Loan Term Years The 2 Mortgage Guys Ryan Minick & Steve DeLon | NMLS Ryan Minick NMLS# Questions@the2mg.com | (765) 450-8933 ## Investment Property Loans ### Investment Property Loans ### Loan Options for Investors ### Investment Loan FAQ ### Grow Your Portfolio LOAN PROGRAMS CLIENT BENEFITS MORE PAGES DSCR loans and financing solutions for rental properties and real estate portfolios. Let The 2 Mortgage Guys find the right investment property financing for you. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Non-QM & Bank Statement Loans ### Non-QM & Bank Statement Loans Homeownership Without Traditional Tax Returns ### Why Non-QM Loans? ### Who Qualifies? ### Non-QM Loan Programs ### How Bank Statement Loans Work ### Non-QM Loan FAQs ### Self-Employed? We Have You Covered. LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Flexible mortgage solutions for self-employed borrowers, entrepreneurs, and those with non-traditional income. Use bank statements instead of tax returns to qualify for your dream home. Traditional mortgages require W-2s and tax returns, leaving many qualified borrowers behind. Non-QM loans use alternative documentation like bank statements, asset depletion, or 1099s to verify your ability to repay. Perfect for self-employed professionals, business owners, and those with complex income structures. Multiple options to verify income and qualify for a mortgage Simple process using your actual deposits instead of tax returns Common questions about alternative documentation loans Do not let tax write-offs stop you from buying a home. Explore bank statement loan options today. Ryan Minick & Steve DeLon - Professional mortgage services at . Quick Links Contact Ryan Minick NMLS# NMLS# © The 2 Mortgage Guys at . All rights reserved. ## Commercial Loans ### Commercial Real Estate Financing Solutions ### A Partnership Approach ### Contact The 2 Mortgage Guys ### Warm Introduction ### Expert Guidance ### Commercial Property Types ### Your Trusted Commercial Lending Partner ### Ready to Explore Commercial Financing? LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Ryan and Steve can connect you with 's dedicated commercial lending team for your business property needs — from office buildings to industrial warehouses. While Ryan and Steve specialize in residential mortgages, they work closely with 's commercial lending division. When you reach out, The 2 Mortgage Guys will personally introduce you to the right commercial loan officers within their parent company. Start by reaching out to Ryan or Steve with your commercial property goals and financing needs. We'll personally connect you with 's commercial lending team who specialize in business property financing. The commercial team will take great care of you with specialized expertise in business property loans. 's commercial division can finance a wide range of commercial real estate properties brings decades of experience in commercial real estate lending. Their dedicated team understands the unique challenges and opportunities of business property financing. NMLS# Headquartered in Minneapolis, MN, Luminate Bank provides comprehensive commercial lending solutions for businesses across the nation. Commercial Lending Office 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 Let The 2 Mortgage Guys connect you with 's commercial lending team for your business property needs. Ryan & Steve are here to connect you Ryan Minick & Steve DeLon - Professional mortgage services at . Quick Links Company Info Ryan Minick NMLS# © The 2 Mortgage Guys at . All rights reserved. ## Brighter Closing ### Make Your Closing Brighter ### Up to $1,000 ### How Brighter Closing Works ### Real Savings, Real Impact ### Ready to Save on Closing Costs? ### Get Started Today ### Thank You! ### Important Offer Details LOAN PROGRAMS CLIENT BENEFITS MORE PAGES 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. 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. 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. Ryan will be in touch shortly to discuss your Brighter Closing savings. Something went wrong. Please try again. 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. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## 2MG Daily ### Learn More LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Explore our page for detailed information, requirements, and how to get started. Visit → Branch Managers and Senior Loan Officers Ryan Minick & Steve DeLon - Professional mortgage services at . Follow Us On Company Info Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. result for " " No blog posts yet. Check back soon! No results found for " " Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Contact ## Financial Builders FCU ### Welcome Loan Officers ### Register a Loan in 3 Easy Steps ### TPO Portal ### Have a Question? ### Steve DeLon ### Ryan Minick ### Kelly Hodges ### Angela Kellar ### Office ### FAQs ### Loan Products ### Key Features ### Who is it For? ### What to Listen For ### Jumbo Loan Scenarios ### Required Borrower Documentation ### Loan Program Finder ### Matched Loan Programs ### No Eligible Programs Found LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Financial Builders FCU — We're your dedicated wholesale lending partner. Register loans, access programs, and get fast answers. FFBT Loan Officers can register and submit loans quickly through our TPO portal. Our secure portal gives you everything you need to submit, track, and manage loans. Watch the training video to get up to speed in under 6 minutes. Questions about loan products, unique borrower scenarios, portal issues, documentation, or loan status. Account Executive Loan Partner Senior Loan Processor What to listen for and how to guide your borrowers. " " Submit your jumbo scenarios directly to our team for fast review and pricing. Below is a list of required documentation for each loan type. FFBT LO must upload this documentation to us through the portal. WE DO NOT ACCEPT SCREENSHOTS or PHOTOGRAPHS *If this is all you have initially (and it will help us determine eligibility) we will take it. You will still be required to later upload acceptable documentation though. Answer a few quick questions and we'll show you the loan programs your borrowers may be eligible for. Based on your answers, here are the programs you may qualify for. Based on the answers provided, we could not match any loan programs. This may be due to credit score, down payment, or other qualifying factors. Reach out to our TPO team to review the scenario manually. ## Loan Program Calculator | The 2 Mortgage Guys ### Find Your Perfect Loan ### Your Matched Loan Programs LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Answer a few quick questions and we'll show you the loan programs you may be eligible for. No credit pull required. Based on your answers, here are the programs you may qualify for. Let's discuss the best fit for your situation. Ryan Minick & Steve DeLon - Professional mortgage services at . Quick Links Company Info Ryan Minick NMLS# NMLS# © The 2 Mortgage Guys at . All rights reserved. ## Haynes Community Credit Union ### Welcome Loan Officers ### Register a Loan in 3 Easy Steps ### TPO Portal ### Have a Question? ### Steve DeLon ### Ryan Minick ### Kelly Hodges ### Angela Kellar ### Office ### FAQs ### Loan Products ### Key Features ### Who is it For? ### What to Listen For ### Jumbo Loan Scenarios ### Required Borrower Documentation ### Loan Program Finder ### Matched Loan Programs ### No Eligible Programs Found LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Haynes Community Credit Union — We're your dedicated wholesale lending partner. Register loans, access programs, and get fast answers. Haynes Loan Officers can register and submit loans quickly through our TPO portal. Our secure portal gives you everything you need to submit, track, and manage loans. Watch the training video to get up to speed in under 6 minutes. Questions about loan products, unique borrower scenarios, portal issues, documentation, or loan status. Account Executive Loan Partner Senior Loan Processor What to listen for and how to guide your borrowers. " " Submit your jumbo scenarios directly to our team for fast review and pricing. Below is a list of required documentation for each loan type. Haynes LO must upload this documentation to us through the portal. WE DO NOT ACCEPT SCREENSHOTS or PHOTOGRAPHS *If this is all you have initially (and it will help us determine eligibility) we will take it. You will still be required to later upload acceptable documentation though. Answer a few quick questions and we'll show you the loan programs your borrowers may be eligible for. Based on your answers, here are the programs you may qualify for. Based on the answers provided, we could not match any loan programs. This may be due to credit score, down payment, or other qualifying factors. Reach out to our TPO team to review the scenario manually. ## First Farmers Bank & Trust ### Welcome Loan Officers ### Register a Loan in 3 Easy Steps ### TPO Portal ### Have a Question? ### Steve DeLon ### Ryan Minick ### Kelly Hodges ### Angela Kellar ### Office ### FAQs ### Loan Products ### Key Features ### Who is it For? ### What to Listen For ### Jumbo Loan Scenarios ### Required Borrower Documentation ### Loan Program Finder ### Matched Loan Programs ### No Eligible Programs Found LOAN PROGRAMS CLIENT BENEFITS MORE PAGES First Farmers Bank & Trust — We're your dedicated wholesale lending partner. Register loans, access programs, and get fast answers. First Farmers Loan Officers can register and submit loans quickly through our TPO portal. Our secure portal gives you everything you need to submit, track, and manage loans. Watch the training video to get up to speed in under 6 minutes. Questions about loan products, unique borrower scenarios, portal issues, documentation, or loan status. Account Executive Loan Partner Senior Loan Processor What to listen for and how to guide your borrowers. " " Submit your jumbo scenarios directly to our team for fast review and pricing. Below is a list of required documentation for each loan type. First Farmers LO must upload this documentation to us through the portal. WE DO NOT ACCEPT SCREENSHOTS or PHOTOGRAPHS *If this is all you have initially (and it will help us determine eligibility) we will take it. You will still be required to later upload acceptable documentation though. Answer a few quick questions and we'll show you the loan programs your borrowers may be eligible for. Based on your answers, here are the programs you may qualify for. Based on the answers provided, we could not match any loan programs. This may be due to credit score, down payment, or other qualifying factors. Reach out to our TPO team to review the scenario manually. ## Home Owner Portal | The 2 Mortgage Guys ### The Home Owner Portal ### Everything You Need, In One Place ### Why Our Clients Love It ### Ready to Get Started? ### You're All Set! LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Your all-in-one mortgage command center. Explore your Dashboard, manage your to-do list, browse Home Search, connect with Local Pros, and track the Market — all in one place. No more digging through emails or wondering what's next. The Home Owner Portal puts you in control of your mortgage journey. Personalized Dashboard Your complete overview — loan status, milestones, and stats at a glance. Things to Do Checklist Clear action items, required documents, and upcoming tasks. Home Search Browse listings, save favorites, and track properties you are interested in. Local Pros & Discounts Vetted local professionals and exclusive partner savings. Sign up below and we'll get your portal access set up within 24 hours. If you already have a loan in process, we'll link everything automatically. New client? No problem — we'll get you set up from day one. Thanks for signing up. We'll send your portal login credentials within 24 hours. If you have any questions, call us at . Something went wrong. Please try again. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Home AI Equity Report | The 2 Mortgage Guys ### Know Your Home's Worth Every Month ### Get Your Free Report ### What's Inside Your Report ### See What Your Report Looks Like ### Stop Guessing. Start Knowing. LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Get a personalized Home AI Equity Report delivered to your inbox each month. Track your home's value, equity position, neighborhood trends, and financing opportunities — all powered by artificial intelligence. Sign up through our secure portal and receive your monthly AI-powered equity report. Free monthly reports. No spam. Unsubscribe anytime. Every month, you'll receive a comprehensive breakdown of your home's financial picture. A sleek, easy-to-read dashboard delivered to your inbox every month. Here's a preview of what's inside. 1234 Maple Street, Kokomo, IN 46902 Available equity in your home Home values change daily. Your equity report keeps you informed with data-driven insights so you can make smart financial decisions. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Get Started | The 2 Mortgage Guys ### Let's Get Started ### Working with ### Complete Loan Application ### Schedule a Consultation LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Choose Your Officer Select Your Path Both are great choices. Pick the loan officer you'd like to work with. NMLS # What would you like to do next? Start your application now. It's quick, secure, and only takes a few minutes. We'll review everything and reach out promptly. Not quite ready to apply? Book a no-pressure discovery call with to discuss your goals and find the right loan. Not sure which to choose? Scheduling a consultation is always free and there's no obligation. will walk you through every option. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## Loan Calculators | The 2 Mortgage Guys ### Loan Calculators LOAN PROGRAMS CLIENT BENEFITS MORE PAGES Powerful mortgage tools to help you estimate payments, compare programs, and plan your home financing — all in one place. Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at . Follow Us On Contact Ryan Minick NMLS# 203249 Steve DeLon NMLS# 202876 NMLS# 1221 Appletree Lane, Kokomo, IN 46902 © The 2 Mortgage Guys at . All rights reserved. ## TPO Partner Program | The 2 Mortgage Guys ### Your Mortgage Department. Without the Overhead. ### Why banks and credit unions choose Luminate TPO ### Meet Luminate Bank ### Meet The 2 Mortgage Guys ### Partner Testimonials ### Loan Product Offerings ### Ready to Offer More Loans? ### Thank You LOAN PROGRAMS CLIENT BENEFITS MORE PAGES At Luminate TPO, we handle the hard stuff, so your team can focus on your members. We're not your typical TPO channel. You do not need a 50-person mortgage department to compete. We handle the heavy lifting — borrower communication, doc review, underwriting, compliance, and closing. Your members are served, your loan department isn't stressed. That's a win-win! The company behind Luminate TPO Long before the Luminate Bank name existed, the foundation for its story was established in 1937 with the opening of a Minnesota state-chartered bank rooted in integrity, trust, and community service. Today, Luminate reimagines that legacy for the future. An evolution took shape in the mid-2000s, when Eric Lovins and Taryn Reuter began building toward a different kind of financial services platform, one grounded in relationships and designed to give customers greater transparency and a clear path to long-term wealth. In 2020, Taryn Reuter, Eric Lovins, and Thomas Payne acquired the bank and a mortgage company, ushering in a new chapter built around the Luminate name, inspired by the Latin root for "light." This defining chapter marked a renewed commitment to guiding people through complex financial moments, including homeownership, with clarity, transparency, and care. Over time, that approach helped grow the organization from a six-person operation into a nationwide network of more than 700 professionals. In 2025, Luminate Home Loans and Luminate Bank came together under a single brand: Luminate Bank. Working alongside CEO Marc Campbell, a highly respected and experienced community banking executive, the leadership team is shaping the bank's next chapter by blending digital innovation with relationship-driven banking and expanding its ability to serve customers through a broader, more integrated suite of financial solutions. The results have been significant. Bank assets have grown from $62 million to $500 million in five years, while mortgage originations expanded from $22 million to more than $4 billion in just over a decade. This exceptional growth is the result of building strong relationships and delivering long-term value to customers. While much has changed since 1937, the goal remains the same: to build something enduring where people grow, customers feel genuinely served, and the future of banking is defined together. The team behind Luminate TPO Ryan Minick and Steve DeLon. Two Mortgage Guys. One Mission. We've worked side-by-side since 2005 with one goal... Help people make smarter home financing decisions. Over the last two decades, we've helped thousands of families purchase homes, refinance, build wealth, and navigate one of the biggest financial decisions of their lives. Along the way, we've learned something important. Getting a mortgage is easy. Getting honest advice is much harder. That's why we created The 2 Mortgage Guys. Not as a business slogan. But as a promise. Experience Matters. Combining decades of mortgage experience with one shared philosophy: Treat every client the way we'd want our own family treated. Today, we're Branch Managers with Luminate Bank, licensed in all 50 states, with access to virtually every major residential mortgage program available. More importantly, we've built our business almost entirely through repeat clients, referrals, and one of the strongest collections of Google reviews in our market. That trust means everything to us. Behind every great mortgage experience is an exceptional support team. Kelly Hodges, our Licensed Loan Partner, has been with us for more than 8 years. Kelly works closely with our clients from the very beginning, helping structure loan applications, explain financing options, gather documentation, and keep everyone informed throughout the process. Her friendly personality and outstanding communication help make what can feel like a complicated process much easier. Angela Kellar, our Senior Loan Processor, has been an essential part of our team for more than 10 years. With extensive knowledge of mortgage guidelines and underwriting requirements, Angela works behind the scenes to ensure every loan moves through processing as efficiently and accurately as possible. Her attention to detail and commitment to getting loans to the closing table are invaluable to both our clients and referral partners. Together, we've built a team where experience matters, communication comes first, and everyone shares the same goal: Delivering an exceptional mortgage experience from your first conversation through closing—and beyond. Hear from the banks and credit unions already outsourcing origination to The 2MG. " " One login. One portal. Every product your borrowers need — from first-time buyers to investors and self-employed borrowers. Tell us about your institution and we will build a custom TPO package that fits your compliance stack and borrower profile. We have received your inquiry. A member of our TPO team will reach out within one business day.