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Protecting the privacy of our visitors is extremely important to LUMINATE HOME LOANS, INC, NMLS#105953 A WHOLLY_OWNED SUBSIDIARY OF LUMINATE BANK, dba HERITAGE HOME LOANS (Hereafter, HERITAGE HOME LOANS). Our promise to our loyal customers is that we will not disclose any nonpublic personal information to non-affiliated parties, except as permitted or required by law. Your privacy is our number one concern and we want you to understand what information we collect and how we use it.

Information on this Website
The information contained in this website is for general information purposes only. It is believed to be reliable, but HERITAGE HOME LOANS does not warrant its completeness, timeliness or accuracy. The information on this website is for informational purposes only and is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website – and the terms and conditions of the access to and use of such information and materials – are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will HERITAGE HOME LOANS be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

Consumer Information Security and Contact Policy: Heritage Home Loans believes protecting our customer’s private information is essential. Additional information can be found in our Privacy Policy page. By contacting us through electronic or other means, you are consenting Heritage Home Loans to contact you by mail, email, phone, and/or text message at the sources you provided. If you provide a residential or commercial phone number, you are consenting contact at this source even if on the National Do-Not-Call Registry.

The posts, pages, and general information on this site, excluding Third Party Links that may be linked out of the content, can, and will be created by employees of HERITAGE HOME LOANS. HERITAGE HOME LOANS does in good faith monitor the content for accuracy and compliance, however we can not guarantee the quality or accuracy of the information provided by any Author. Nor is any of the content the actual views or opinions of HERITAGE HOME LOANS or any of it’s employees.


Explanation of Cookies
Cookies, also known as HTTP cookies, web cookies or browser cookies, are small text files stored on your computer by the web browser that you use to visit websites on the Internet. These cookies are used to recognize you when you return to a website as well as notify the website of your activity.

Use of Cookies on this Website
We use cookies on this website. We do not link the information we store in cookies to any personally identifiable information you submit while on this website.

If you access Third Party software and/or links available on this site, those Third Parties may collect cookies and/or Personally Identifiable Information from you. The use of cookies by third parties, including but not limited to our partners, affiliates, advertisers and service providers is not covered by our privacy statement. We do not have access or control over these cookies.

Third-Party Ads
This website has implemented the Google Analytics features based on Display Advertising (e.g. Remarketing, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration or Google Analytics Demographics and Interest Reporting).

Third-party vendors, including Google, show our ads on sites across the Internet. We and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) to inform, optimize, and serve ads based on your past visits to this website and to report how our ad impressions, other uses of ad services and interactions with these ad impressions and ad services are related to visits to our site. This could mean that we advertise to previous visitors who have not completed a task on our site, for example using the contact form to make an inquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network.

Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.

You can set preferences for how Google advertises to you, including the ability to Opt-out, using the Settings for Google Ads or by using the Google Analytics Opt-Out Browser Add-On

Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.

Google Analytics Demographics and Interest Reporting
We use data from Google’s Interest-based advertising or 3rd-party audience data (such as age, gender and interests) with Google Analytics to better understand our target audience so that we may provide more relevant editorial content.

Sharing Information with Advertisers or Other Third Parties
We may disclose anonymous information about user habits, characteristics, and user patterns based on aggregate user statistics, as collected through the use of cookies and analytics on this website, to advertisers or service providers.

This site is Copyrighted by HERITAGE HOME LOANS. All Rights Reserved. Equal Housing Lender. The articles and contents of this website were gathered from sources deemed reliable by Heritage Home Loans. This is not an offer for extension of credit nor a commitment to lend. All loans must satisfy company and agency guidelines. Information and rates are subject to change at any time without notice. Loan approval and rates are dependent upon borrower credit, collateral, financial history, and program availability at the time of origination. Luminate Home Loans, Inc Corporate Address: 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405.