Bill Mervin Mortgage Team at NJ Lenders Corp.

Luminate Bank, through its Bill Mervin Team, is dedicated to guiding individuals through the homeownership journey with expertise and clear communication. The team, comprised of Certified Mortgage Planners, adopts a holistic approach to home loan consultation, integrating cash flow planning to develop custom mortgage strategies tailored to each client's unique financial landscape and long-term goals.

Distinguishing itself with a "Customer for Life" program, Luminate Bank extends its commitment beyond the settlement date. They proactively monitor clients' loan programs and maintain quarterly and annual touch-points to ensure ongoing support and informed decision-making. With over 25 years of experience in the mortgage industry, they aim for every client to make confident and well-educated home buying decisions.

Luminate Bank offers a diverse portfolio of home loan products, including Conventional, FHA, VA, USDA, Jumbo, and Reverse Mortgages, catering to a wide range of needs from first-time homebuyers to veterans and those seeking high-value property financing. They provide digital tools such as mortgage calculators and pre-approval processes to streamline the experience, combining personalized guidance with modern convenience.