It’s not just about buying a house—it's about lighting your way home.

Let Kim lead your path to homeownership with expert advice and strategic financial planning at Luminate Bank.

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Hi, I'm Kim!

Finding a home should be as easy as flipping on a light switch—and getting a home loan shouldn’t leave you searching in the dark. At Luminate, I’m here to brighten the process, guiding you step-by-step so you feel confident, informed, and well-supported from start to finish.


It’s a privilege to use my expertise to light up the path to your perfect mortgage, ensuring the process fits your needs and that your experience shines just as bright as the outcome.

>> Our Products

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Conventional Loans

Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.

FHA Loans

FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.

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VA Loans

VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.

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USDA Loans

USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.

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"Kim is extremely thorough, knowledgeable, dependable, kind and trustworthy."

"Anything we threw her way she was there to sort through with us, reassure the process flow and also find the best pathway to our closing. This was my and my partners first home together and there were so many options available to us. Kim walked us through everything, provided summary emails with videos curated specifically for us and was there anytime we had a question. I truly don’t think any other lender would have been able to offer us the best loan type, program or closing with the 2 week time frame that Kim and her team (Angie and Kelly) did! Should the time to lend again, she’ll be getting a call from me!"


Michelle C.

"Had quite a crazy transaction and home buying process, but Kim made the process so much easier. Her and her team go above and beyond and their service is wonderful!"

Zack M.

"I am extremely pleased with my decision to work with Kim Renquest as my home loan agent."

"Kim and her team offer exceptional support and promptly address all inquiries. What sets Kim apart is her ability to meet clients at their level of understanding, whether they are novices in the industry or well-versed. She ensures a seamless process without unnecessary redundancies or condescension. Working with Kim and her team has been an amazing experience, and I wholeheartedly recommend them. You won’t regret choosing Kim for your home loan needs!"


Carlos C.

WE BELIEVE.

The home loan process doesn't have to be scary. Our team is here to help!