Lee H. Schaffer at Luminate Bank - NMLS # 228814

06/26/2026

06/25/2026

One of the biggest misconceptions I hear is, "I'll reach out when I'm ready."

You don't have to have everything figured out before we talk.

Some of my favorite client conversations happen months before someone buys a home. We talk through questions, explore possibilities, and create a plan that fits their timeline.

If you're thinking about buying someday, wondering where you stand, or just looking for a starting point, I'd be happy to help.

Let's have the conversation before you think you need to.

06/23/2026

One of the biggest misconceptions I hear from buyers is that there simply aren't any homes available.

While that may be true in some areas, many markets are seeing more inventory and more opportunities than they've had in recent years.

If you've been sitting on the sidelines waiting for the "perfect" time to buy, it may be worth taking another look at what's happening locally. The best opportunities aren't always reflected in the national headlines.

While some areas continue to experience tight inventory, aupply conditions can vary depending on location, price point, property type, and local economic factors.

06/21/2026

Today, we celebrate all the fathers, grandfathers, stepfathers, and father figures who lead with patience and strength every day.

From all of us at Luminate Bank, we wish you a very Happy Father's Day!

06/18/2026

Most home improvement projects don't start with a hammer.

They start with a question:
"Can we actually make this work?"

Whether it's a kitchen that no longer fits your lifestyle, a backyard you've been dreaming about, or repairs you've been putting off, the smartest renovations begin with a solid plan.

A little preparation upfront can help you avoid budget surprises, prioritize the projects that matter most, and make confident decisions along the way.

What's the one project you'd tackle this summer if budget wasn't a factor?

Homeowners have more options than ever when it comes to financing home improvements, find a solution that fits both your project and your long-term financial goals.

06/16/2026

Whether you're saving for a down payment, building a home maintenance fund, planning renovations, or preparing for future housing expenses, small financial decisions made consistently can create real momentum.

A great place to start? Review your spending, identify a few convenience purchases you can reduce, and redirect those dollars toward a dedicated homeownership goal.

The path to homeownership isn't always about earning more, sometimes it's about giving your money a clearer purpose.

06/11/2026

Whether you're accumulating investment properties, consulting, or building your next venture, there comes a point when growth requires a stronger financial foundation. Separating your finances, improving cash flow visibility, and choosing the right banking tools can make a big difference as your business evolves.

In addition to a wide range of Non-QM offerings, I'd be happy to connect and share the broader ecosystem of what Luminate Bank offers our clients.

When you're an entrepreneur launching your next big idea, the right banking setup can help you spend less time managing finances and more time building your business.

06/09/2026

An important question comes across my desk a lot:
"Can I avoid PMI without putting down 20%?"

And the answer is yes.

With a Piggyback HELOC, you may be able to:
Put just 10% down.
Avoid PMI.
Keep more cash in savings.
Access a line of credit that stays open after closing.

If you're wondering if this strategy can help you buy sooner (or buy the home you really want), I'm happy to walk through your options.

06/08/2026

Luminate Bank® is honored to be recognized as a 2026 Top 30 Mortgage Lender by Scotsman Guide.

Since 2013, Scotsman Guide has provided an industry benchmark for excellence in residential lending, serving as the most comprehensive measure of performance in the mortgage space.

This recognition is about more than a ranking. It is a reflection of the countless conversations, partnerships, and moments where our team members went the extra mile.

To the community that contributed to this achievement, thank you. Your dedication is the reason we're celebrating today.

06/04/2026

A lot of first-time buyers think they need to find their “forever home” right away.

The truth? Your first home just needs to work for right now.

The right starter home can help you:
• Build equity
• Create stability
• Stay within a comfortable budget
• Take a meaningful step toward your long-term goals

Homeownership is a journey, and you don’t have to have every future detail figured out before you begin.

If you’ve been feeling stuck waiting for the “perfect” home, this is your reminder that smart, realistic progress still counts.

Your first home doesn’t have to check every box for the next 30 years. It just needs to support you while still helping you build momentum for what comes next.