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Lighting the Path to Your Homeownership


At Luminate Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.

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Mortgages With Ken 

Whether you are a first time home buyer or purchasing a multi-million dollar home, you have found the right person. Ken Venick has over 30 years of experience in the mortgage loan business and can put you or your client in the right mortgage loan product for their unique needs.


Looking to purchase a home?


Looking for a lower rate on your current mortgage?


Looking to consolidate debt?


Looking to do home improvements?


Looking for a reverse mortgage?


We are your one-stop-shop to handle of all your mortgage needs.


We are locally owned and operated which means we don’t have the overhead of national firms. This allows us, in most cases, to save you money. And because we are the lender, it allows us to close your loan faster. Please call Ken Venick to start your loan today.

Contact Ken
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Over $1 Billion In Closed Loans!

Licensed in 47 States Nationwide!

NMLS#138175

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Join Our Growing List of Satisfied Home Owners!

Contact Us

Finding a home should be as simple as flipping on a switch.

With Luminate, there's no guesswork involved. Why? Because our streamlined, four-step home loan process makes everything straightforward and easy.

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  • 1. Tell us about you

    First, let's talk through your home goals and purchase timing. That way, we can work together as we decide which loan option is the best fit for you.

  • 2. Fill out the application

    Gather your financial details and complete your home loan application to start the pre-approval process. We're always a phone call away if you need help.

  • 3. Get pre-approved.

    Once your loan application and credit report have been reviewed, you will receive a pre-approval letter to begin your home search. This is where the fun begins!

  • 4. Start shopping.

    Now that you're outfitted with a pre-approval letter, your budget, and information about the loan process, you're ready to get out there and start shopping for a home.

OUR PROCESS

Step 1

Discovery

We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.

Step 2

Strategy

We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.

Step 3

Execution

We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.

Step 4

Wealth Maximization

Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.

The closing of your loan is just the start of our relationship.


Home Loan Programs

If you aren’t sure which category you fall into, don’t worry! I am dedicated to not only finding the perfect financing for every situation but to educating my clients along the way. I am proud to offer my expertise on the following loan programs:


Home Purchase

Helping to simplify the most important purchase you will ever make. Conventional or Fixed-Rate Mortgage, FHA Financing, New Construction Loans, Manufactured Housing, Adjustable Rate Mortgages (ARM), and more.


Refinance

Helping to lower your monthly payments and pay off your mortgage faster (finance charges may be higher over the life of the loan).


Home Equity

Helping you use the equity in your home to finance college tuition or consolidate your current debt.


Home Renovation

Helping you comfortably finance renovations and other improvements to your home that will improve the return on your investment.

Mortgage Education

Working in the same industry for nearly 3 decades has given me a great deal of experience and knowledge of the mortgage industry as well as other related financial industries.


I am proud to be able to pass my knowledge along to the local community as I provide education on understanding credit, financial literacy, and reverse mortgages. I am always looking out for the best interests of my clients, and I believe part of that is making sure they are educated enough to feel comfortable with every decision they make along the way.


I am more than happy to explain each and every step of the process and hope it as simple and stress-free as possible for everyone!

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Home Purchases

Found a property you want to purchase or invest in? Let us get on the financing for you. First mortgages, second mortgages, we have you covered!

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Refinancing

Considering Refinancing? Trying to get rid of a high-interest credit card bill? Need some extra money? We can help you there.

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Renovation Loans

Considering Renovations? We have multiple programs for people with equity, no equity or low equity.

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Commercial Mortgages

If you're an investor or business owner looking for a commercial mortgage for the purchase or refinance of a commercial property we can help!

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Mortgage Rates

I have access to the latest mortgage rates and mortgage trends that may indirectly or directly affect you. I’ll help you find the best rate to fit your situation.

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Book a Free Consultation

Are you ready to take the next step in your property ownership goals? Get in touch with Ken today to get the ball rolling!

Apply for Your Perfect Mortgage Today

Fill out our quick application form now!

Now Serving You in 47 States!

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The Benefits of Buying A Home Over Renting

By Luminate Marketing Team • September 27, 2021
Buying a home can be very intimidating and the no strings attached feeling renting can give someone sometimes seems like the easier option. But that isn’t always the case. There are many situations where it makes more sense to purchase your home instead of continuing to rent it year after year. There are alot of […] The post The Benefits of Buying A Home Over Renting appeared first on Owings Mills & Lutherville Mortgage.
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Learning and Understanding The Different Types of Loans

By Luminate Marketing Team • September 15, 2021
Due to the pandemic, there have been a lot of people purchasing homes or even refinancing. It is important to understand the different types of loans that are offered to make sure the buyer knows their options.      Ken Venick has been in the mortgage loan business for over 30 years and is your […] The post Learning and Understanding The Different Types of Loans appeared first on Owings Mills & Lutherville Mortgage.
Man holding house keys

Understanding What A Mortgage Broker Does

By Luminate Marketing Team • September 3, 2021
Find yourself wondering what a mortgage broker is? A mortgage broker acts as an intermediary between the borrower and the lender and controls transactions between the two. They take care of finding the best mortgages and interest rates by using their personal network of financial institutions and lenders.    Working with a mortgage broker is […] The post Understanding What A Mortgage Broker Does appeared first on Owings Mills & Lutherville Mortgage.
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