Commercial Lending

A Correspondent Mortgage Lender, Luminati Lending is comfortable and proficient with light commercial lending up to $20,000,000.00 on a wide variety of property types:

  • Apartment buildings and Condominium Conversions
  • Shopping centers
  • Mixed use retail/residential
  • Restaurant
  • Bed & Breakfast
  • Hotel
  • Office condo
  • Warehouse
  • Automotive
  • Land
  • Construction

Luminati Lending is proud to offer maximum financing for all types of borrowers, including foreign nationals, at a below-market cost. Our loan programs accommodate not only customers who are able to verify income and assets but, in many cases, those who prefer not to disclose such information. Luminati Lending commercial interest rates start well below the prime rate.

Our success as a Commercial Lender is directly related to our ability to read the constantly changing lending mega-trends. In an international marketplace like South Florida, it is a balancing act to stay in touch with customers' needs all the while remaining mindful of the changing tastes of the lending community. Luminati's secret lies in diligence, research, and the constant maintenance of relationships with a broad spectrum of commercial money sources.

Our Specialty

New Construction Lending and Condominium Conversions are ever-deepening and increasingly narrow niches, both happily occupied by Luminati Lending. What makes Luminati different is a special mix of commercial lending expertise and residential lending know-how.

Our commercial underwriters like the fact that Luminati provides every commercial developer with an in-house project approval expansive enough to include every unit in the development with no predetermined pre-sale requirement or saturation limit. Our residential underwriters appreciate that our company's principals have nearly two decades of mortgage experience with non-warrantable condominium projects. Additionally, Luminati's built-in marketing department, with its emphasis on location-specific events, presents the developer with another layer of incredible added value not offered by any competitors. This unbeatable combination makes Luminati Lending the lender of choice for large and small condominium projects, whether conversion or new construction condos.