Luminate Bank's in-house PATH program — FHA and USDA first mortgages plus forgivable and repayable second-lien options. Get pre-approved with The 2 Mortgage Guys.
Luminate Path Down Payment Assistance | The 2 Mortgage Guys
Luminate Bank's in-house PATH program — FHA and USDA first mortgages plus forgivable and repayable second-lien options. Get pre-approved with The 2 Mortgage Guys.
Luminate Path Down Payment Assistance
PATH first mortgages
PATH second mortgages
Rules applying to all six options
One bank, one team
Ready to explore Luminate Path?
Luminate Path is Luminate Bank's in-house down payment assistance — two FHA/USDA first mortgages and four second-lien structures so Ryan and Steve can match forgiveness, repayment, or maximum assistance to your file.
Six PATH products
First liens
Both PATH first mortgages are 30-year fixed purchase loans that pair with an eligible PATH second. Credit floors differ depending on whether you choose forgivable or repayable assistance on the second lien.
Assistance layer
Four second-lien options cover forgivable assistance with no monthly payment, or repayable structures when you need up to 5% help. Repayable rates are confirmed when Ryan and Steve quote your file — not published on this page.
Every PATH first and second product shares the same eligibility overlays. Ryan and Steve screen your property, occupancy, and borrower profile against these guidelines before you write an offer.
Luminate Path is originated and underwritten through the same bank that funds your first mortgage. Fewer handoffs, clearer expectations, and one point of contact from pre-approval through closing — Ryan Minick and Steve DeLon at Luminate Bank.
Ryan and Steve will match PATH FHA or USDA first mortgages with the forgivable or repayable second that fits your credit, occupancy plan, and cash-to-close target — then confirm repayable rates when quoting.
Luminate Path programs are subject to borrower qualification, property eligibility, and lender approval. Rates, terms, and program availability may change without notice and are not available in all states. This page is educational — your scenario is underwritten against current guidelines.
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