2026 Expected FHFA Loan Limits: What Buyers Need to Know (and How Lumina Clients Already Benefit)

Lumina Real Estate & Lending Expected 2026 FHFA Loan Limits — What It Means for Buyers The FHFA has not officially released the 2026 conforming loan limits yet, but projections are in. Even better—Lumina Real Estate & Lending already has access to lenders who are offering loans using these expected

Credit Score Tips

Understanding Credit Scores: Why They Matter and How to Improve Yours Credit scores play a crucial role in determining your financial opportunities. Lenders—such as credit card companies, auto dealerships, and mortgage providers—use credit scores to assess the risk of loaning money, set borrowing li

FHA vs. Conventional Mortgages

🏠 FHA Loan vs. Conventional Mortgage: What’s the Difference? Are you exploring mortgage options but unsure whether an FHA loan or a conventional mortgage is the right fit for you? Here’s a quick breakdown: FHA LoansBacked by the government, FHA loans are designed to help first-time homebuyers or

Mortgage Refinancing Alert: 3 Critical Factors That Could Hold You Back

Mortgage Refinancing Alert: 3 Critical Factors That Could Hold You Back Refinancing your mortgage can be a powerful way to lower your monthly payments, lock in a better interest rate, or even tap into your home’s equity. But before you jump in, it’s crucial to understand that not every refinancing