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Ben Smith

Mortgage Loan Originator | NMLS# 1249606

Finding a home should be as simple as flipping on a switch. Getting a home loan shouldn't feel like it's you against the world. We work hard to share our knowledge and find the right home loan for you, so you're not left out in the dark.

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About Ben

I love applying my knowledge and experience to unique situations and helping my customer get the best mortgage product for their needs and for them to have an amazing experience along with it!

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What Our Clients Are Saying

"Ben is truly the real deal when it comes to lending and working with an honest person. "

Ben is truly the real deal when it comes to lending and working with an honest person. Ben worked very hard and efficiently to get our loan processed -- his team was very communicative and kept me in the loop the entire time. They are a local lender and you are not going to be working with the people that can make decisions quickly. I will not be lending with anyone else other than Ben moving forward. 100% recommend him and his team!

Zachary S.

"Ben is truly exceptional at what he does!"

Ben is truly exceptional at what he does! I don’t know a dang thing about the financial going ons behind buying a home or refinancing. Fortunately, with Ben and his team I didn’t have to! Made the whole process effortless and was easily accessible whenever we did have a question or concern. Highly recommend!

Kevin E.

"Ben caught a title company error that saved us nearly $1,000 in closing costs during our most recent purchase."

We've now used Ben and his team for two different home purchases and a refinance. Ben and his team have incredible attention to detail and are very helpful throughout the process. Ben caught a title company error that saved us nearly $1,000 in closing costs during our most recent purchase. Ben and his team add value to any transaction they touch!

Neal M.

"Highly recommend him and his team!"

My wife and I have personally worked with Ben a couple different times and have been 100% satisfied! He’s very knowledgeable and professional of the industry and it is great to work with a local lender! Highly recommend him and his team!

Cameron N.

"I never felt lost working with Ben."

Ben is so helpful and professional, working with him made the entire process much easier. Being a first time home buyer you don’t quite know everything that goes into the loan process, but I never felt lost working with Ben. Everything was timely, easy, and closed with no problems.

700+

team members

4.91%

online star rating

10k+

client reviews

47

states nationwide

Conventional Loans

Conventional loans at Luminate are a great option for many homebuyers since they are flexible as far as properties you can choose from, fees, and loan structures available.

Reverse Mortgages

Reverse mortgages are tailored for homeowners aged 62 and older who wish to convert part of their home equity into cash without having to sell their home or take on additional monthly bills.

VA Loans

Have you served in the military and are searching for a home loan that’s right for you? Because of your service history, you may be able to qualify for a VA home loan to make your home hunt easier.

FHA Loans

FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment or have a less than ideal credit score. FHA loans are much easier for most homebuyers to qualify for.

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Ready to get started?

The home loan process doesn't have to be scary. Our team is here to help! All it takes is the following few steps:

  • 1. Tell Us About You

    Talk through your goals and timing, so that together we can decide which loan option is the best fit for you.

  • 2. Fill Out the Application

    Gather your financial details and complete your loan application to start the pre-approval process. We're always here if you have any questions.

  • 3. Get Pre-Approved

    Once your application and credit report have been reviewed, you will receive a pre-approval letter to get out there and start your home search.

  • 4. Start Shopping

    Now that you're outfitted with a pre-approval letter, your budget, and information about the loan process, you're ready to get out there an start shopping from a home.

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