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Give us a call (248) 633-8555
 * RATES
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 * REFINANCE
 * REAL ESTATE
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   * Dream Home Request
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Give us a call (248) 633-8555
Main Menu

 * RATES
 * PURCHASE
 * REFINANCE
 * REAL ESTATE
   * Find A Realtor
   * Home Search
   * Home Value Wizard
   * Dream Home Request
 * RESOURCES
   * Loan Options
   * Calculators
   * Local Resources
   * Recommended Professionals
 * COMPANY
   * Our Branch
   * Ask Us
   * My Account
   * Mortgage Blog
 * APPLY NOW




TOP RATED MORTGAGE COMPANY IN TROY

If you have mortgage related questions, we have the answers.

ASK AN EXPERT




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!


QUICK QUOTE








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!

Contact Us


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.

REQUEST A QUOTE



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.

LEARN MORE


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


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!


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


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.


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.


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!


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!


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!


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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FOLLOW LUMINATE MICHIGAN


Call Now! (248) 633-8555


LICENSING

Alex Kandah
NMLS #383536
Luminate Michigan
NMLS #150953



CONTACT US

Luminate Michigan
888 W Big Beaver Road Suite 200
Troy, MI 48084



Number:
(248) 633-8555



Hours:
MON-FRI 7AM - 4PM

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NOTICE TO TEXAS CONSUMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A
MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN
ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF
SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705.
COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE
AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT
1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF
CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF
LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN
APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND
INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE
INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE
AT WWW.SML.TEXAS.GOV.

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