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Luminate Michigan

Alex Kandah and his team are your premier mortgage experts located in Troy, Michigan. Luminate Michigan, offers some of the lowest rates nationwide while making the loan process simple, straightforward and fast for borrowers seeking a mortgage anywhere in the country.  Whether you are a first-time home buyer, purchasing your dream home, refinancing your current mortgage to a lower payment, consolidating debt, or capitalizing on your home’s equity to remodel your home or make a large purchase, Alex Kandah and his team can help you take that first step toward a financial solution.

At Luminate Michigan, the ultimate goal is to create lasting relationships with each and every client and to continue providing excellent service for many years to come.

Although we are located in Troy, we offer unparalleled mortgage and refinance service to clients throughout the great state of Michigan and the rest of the United States! Clients are always hesitant to work with someone remotely until they see how easy the process is when dealing with experienced and knowledgeable professionals like we have at Luminate Michigan!

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HOMEBUYERS

Whether you are a first time home buyer or purchasing your dream home, The Luminate Michigan Team will help you find the right financing solutions to meet your needs.

LET'S CONNECT

Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!

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TODAY'S RATES

Mortgage Rates can change on a daily basis. Due to these fluctuations timing is everything. Our team specializes in understanding market trends. We help homeowners determine the right time to purchase or to refinance.

LET'S CONNECT

Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!

Contact Us

REFINANCE

We can help you lower your interest rate, lower your monthly payment, or take cash out. The Luminate Michigan team is here to help you with all of your mortgage refinancing needs.

LET'S CONNECT

Give us a call or simply fill out any of the forms on our website and one of our experienced mortgage lenders will be in touch right away!

Contact Us

What are you waiting for? Getting started is easy. We offer very competitive rates, have great service, and always close on time.

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We Offer Several Different Loan Programs To Meet Your Needs.

A smart buyer is an informed buyer.
Take the time to learn more about the types of loans we provide by selecting one of the links on the right.

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FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Learn more about how to qualify for an FHA loan

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Learn more about VA Loans today

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other similar financing option, our team of experts will help you find the solution that works best for your needs.

Find the right loan for you

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

Start saving by refinancing now

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today.

Find out how you can qualify today

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Learn more about our Jumbo loan options

Cash-Out Refinancing

If you have equity in your home, a cash-out refinance can provide you with the money needed for home repairs, debt consolidation, and other various expenses.

Begin your cash-out refinance today

The Luminate Michigan Team

Start your home loan process here!

The Luminate Michigan team is committed to providing clients with the highest quality financial services combined with competitive rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at a competitive rate no matter what your needs are.

MEET THE TEAM

What our clients are saying

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johnware1984 from Taylor, MI

Alex and Jenna were great! Definitely went above and beyond like it was their home! Thank you guys! The home is beautiful and my wife and I are very thankful

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Faheem Shakoor from West Bloomfield, MI

Alex and his team were the best. I was struggling getting my dream home and with them they made the process go smooth and finally made it happened. On top of that they are always communicating, nice, and always answering any questions you have. I’ll always appreciate Alex what he has done for us and all his efforts.

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JJ3467 from Sterling Heights, MI

The team at Bank of England goes above and beyond to make your home process easy! They were extremely professional, knowledgeable, and had great communication throughout every step of the process. Highly recommend this lender to anyone out there looking to purchase their first home.

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Alexandra from Troy, MI

HIGHLY RECOMMEND!! Alex and his team helped me purchase my first home and I can’t imagine going through the process with anyone else. Not only is he professional he is extremely knowledgeable and was able to wawlk me through the entire process. I am so grateful I was able to work with this team!

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Adwoa Dalton from Warren, MI

Alex & his team helped me purchase my 1st home. He was so friendly & explained everything to me throughout the full process. It's been a little over a month since we closed and my family and I are enjoying our home. Thank you Alex & team!

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kristi s from Lathrop, CA

Alex is great. We have used him to refinance both of our homes and he made the whole process easy and painless. He kept us well informed and went above and beyond help us secure a lower interest rate. We will definitely use Alex again for our mortgage needs!