Proudly based in Kokomo, Indiana.
Helping families finance homes
for more than 21 years.
Local expertise.
Nationwide lending through Luminate Bank.
The 2 Mortgage Guys are Ryan Minick and Steve DeLon, Branch Managers and Senior Loan Officers at Luminate Bank. They've worked together as The 2 Mortgage Guys since 2005 from Kokomo, Indiana, lending nationwide. If you're looking for a "Five Star" experience, you've found it with The 2 Mortgage Guys!
Steve DeLon
Branch Manager & Senior Loan Officer at Luminate Bank
NMLS #202876
Ryan Minick
Branch Manager & Senior Loan Officer at Luminate Bank
NMLS #203249
Hometown resource
Open the full Kokomo Mortgage Lender guide — purchase steps, loan options, Howard County taxes, down payment help, USDA around town, and FAQs from Ryan and Steve.
Read the Kokomo Guide
This weekend in Kokomo
This Weekend's Open Houses
Tour homes Saturday the 10th and Sunday the 11th — see what's open near you.
When it comes to choosing a mortgage lender, don't just take our word for it.
See what hundreds of happy homeowners have to say.
"Ryan Minick has been nothing short of amazing every step of the way. I have a huge fear of banks and this process and he has made me feel comfortable. I appreciate his flexibility and patience. I can't imagine buying a home without his help. I recommended him to my brother and sister in law when they bought their home and I'll continue to recommend him every chance I get."
Edited a week ago"Once again, The 2 Mortgage Guys team was on top of it! Communication & timeliness are very important to me and they always meet expectations!"
Edited 5 days ago"Very professional and I've had nothing but good results from these people"
2 weeks ago"The entire process was smooth, stress-free, and straightforward. Steve, and the entire team, were fantastic to work with - communication was excellent from start to finish, and the informative videos breaking things down were a nice personal touch. I highly recommend them to anyone seeking a clear, easy, and worry-free lending experience!"
3 weeks ago"It was an absolute pleasure working with the team! The process went very smooth and communication was clear! Thank you again!"
3 weeks ago"Communication was top notch. The entire team was helpful and kept us all informed. I would recommend this team for all your mortgage needs."
3 weeks ago
Luminate Bank's story is anything but ordinary. Its banking roots date back to 1937, but the Luminate we know today began taking shape when longtime mortgage leaders Eric Lovins and Taryn Reuter set out to build a different kind of financial organization—one centered on relationships, transparency and doing what's right for the people it serves. In 2020, Eric, Taryn and Thomas Payne acquired a Minnesota bank and mortgage company and began building the Luminate brand, a name inspired by the Latin root for "light." Their vision was simple: make complicated financial decisions clearer and create an organization where both customers and employees could thrive.
That vision has fueled remarkable growth. What began as a six-person mortgage operation has grown into a nationwide organization of more than 700 professionals, with Luminate Bank now licensed to provide mortgage financing in all 50 states. Bank assets have grown from approximately $62 million to $500 million in five years, while annual mortgage originations have grown from $22 million to more than $4 billion. Today, Luminate combines the resources, technology and lending capabilities of a major national mortgage lender with something increasingly difficult to find in financial services: experienced local professionals who know their customers and remain personally invested in their success.
And the industry has taken notice. Luminate Bank is recognized as a Top 25 national mortgage lender and was named the #1 Large Company Top Workplace in Minnesota, Colorado and New Jersey in 2026. The bank also earned two Freddie Mac Home Possible RISE Awards for Greatest Volume and Fastest Growth, while Eric Lovins and Taryn Reuter were named 2025 Mortgage Leaders of the Year by the Minnesota Mortgage Association. Those accomplishments are impressive, but they're really evidence of something bigger: Luminate has grown without losing the people-first culture that made that growth possible.
1281698
NMLS Number
Minneapolis, MN
Headquarters
We've got them all — organized into 7 categories.
FHA, VA, USDA, HomeReady, Home Possible, down payment assistance, and HUD $100 down.
Core purchase programs for primary residences — conventional, FHA, VA, USDA, and jumbo.
Zero-down government loans, 3% conventional options, HUD $100 down, and assistance programs.
Finance a lot, a new build, a bridge purchase, or a renovation in one conversation.
When W-2s and tax returns do not tell the whole story — ITIN, bank statement, WVOE, and medical options.
Rental cash-flow, alternative documentation, commercial, and specialty occupancy programs.
Refinance, cash-out, VA cash-out, reverse mortgage, and bridge financing for current homeowners.
Browse all loan programs if you already know the product you want.
Introducing the Home Owner Portal — your all-in-one dashboard for Home AI Equity Reports, Things to Do, Home Search, exclusive Discounts, vetted Local Pros, and real-time Market insights.
New — Exclusive Client Access
Home AI "Monthly Equity Report"
Get a comprehensive home equity analysis powered by AI and real-time market data. Each month, receive a personalized report showing your estimated home value, equity position, neighborhood trends, and financing opportunities — delivered straight to your inbox.
Monthly insights delivered to your inbox. Powered by AI and real-time market data.
Get our exclusive step-by-step guide to buying your first home. No spam, ever — just expert advice from Ryan & Steve.
No matter where you are, The 2 Mortgage Guys can help you finance your next home.
Serving borrowers nationwide
From coast to coast and everywhere in between
Home base: Kokomo, Indiana.
First-time buyers, move-up buyers, and forever homes in any state.
Finance a lake house, beach condo, or mountain retreat anywhere.
Rental properties and DSCR loans in all 50 states.
Corporate transfers, military moves, and cross-state relocations.
One-time close construction loans to build your dream home anywhere.
Lower your rate, consolidate debt, or tap equity nationwide.
October 5, 2026
Mortgage rates remain elevated, and the past week showed how quickly the mood can change. A soft jobs report looked like good news for borrowers at first, but the early gains faded before the day ended. That kind of whiplash is hard on anyone trying to time a purchase or a refinance. Here is where things stand and how a borrower can think about the weeks ahead.
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October 2, 2026
Commercial loans work differently from the home loans most people know. The property usually has to earn its keep, and lenders care as much about the income it produces as they do about the borrower. That applies whether the asset is an apartment building, a small retail center, an office suite, or a warehouse. Understanding the basics before approaching a lender can save weeks of back and forth.
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October 1, 2026
Finding the right home before selling the current one can create a financing problem, even for homeowners with substantial equity. A bridge loan may provide access to that equity so the next purchase can move forward. With borrowing costs elevated and selling timelines varying by neighborhood, the repayment plan deserves as much attention as the purchase itself.
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