Lighting your Path to Homeownership


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

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Steve Birk

Senior Mortgage Banker | CMPS | CPA | NMLS# 344232

Steven Birk is a Loan Officer who is focused on helping clients become successful homeowners, Steve is passionate about building generational wealth through real estate. 


As a Certified Public Accountant (CPA) and Certified Mortgage Planning Specialist (CMPS), Steven takes a discovery and planning approach to home buying. He understands that every client's situation is unique and requires a personalized strategy to achieve their financial goals.


Contact Me

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.

Learn More

  • 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

    As your life's chapters unfold and transform, your mortgage management strategy should adapt accordingly. Our team is here to help you navigate these changes, ensuring your mortgage aligns with your evolving needs.

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.


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