David L. Hooper / Hoops Home Loans

Luminate Home Loans has merged with Luminate Bank! With this change rolled out we can provide for your home loan needs across all 50 states. Purchase & refinance, primary or investment, hit me up if you'd like to chat about your mortgage needs!

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2023 Conforming Loan Limit has been announced: $726,200.

What does that mean? That means you can buy a house priced up to $907,750 with 20% down, up to $806,888 with 10% down, $764,421 with 5% down -- all without crossing into "Jumbo" loan territory with more stringent lending requirements.

These loans would "conform" with the GSEs (Fannie Mae & Freddie Mac) requirements for them to purchase on the secondary market.

If you're looking for a VA loan and you've already got one in place, this means you may have remaining entitlement to use for a second VA loan. Feel free to hit me up to discuss and ask questions!

5.0 star review received on Experience.com for David Hooper by Jeffrey S - Deep knowledge and willingness to assist the process along

New ★★★★★ 5 Star Experience.com Review by Jeffrey S Click to see all 4 reviews of David Hooper,
Mortgage Loan officer

5.0 star review received on Experience.com for David Hooper by Robban S - David is an awesome person, very caring and positive. If we hit a snag, he quickly came up with solutions to move the process forward. While buying a home and getting a mortgage can be challenging, David made us feel very safe and supported through everything. Great experience!

New ★★★★★ 5 Star Experience.com Review by Robban S Click to see all 3 reviews of David Hooper,
Mortgage Loan officer

A majority of home buyers are married couples. A home to share is always a good idea and a great investment for them both! Are you part of a couple ready to settle in a place of your very own? You know who to call!

Once you change the way you approach your goals, you can start to see the results you'd like! Focus on what you can do better and you'll see the difference 🙌

If your goal this year is to finally be a homeowner, then let me help you! Together we can achieve your goal and get you into your dream home!

One of the biggest obstacles for most first-time home buyers is saving up for the down payment. The good news is that there are multiple programs and options that can help. Message me today to find out what your options are! 💬

A home inspection is a non-invasive examination of the house that usually takes place after the offer has been accepted. Most inspections will include the visible portions of the roof, foundation, plumbing, electrical system, and heating / cooling system. The inspection is entirely for your benefit. It gives you a better picture of the home's true condition. You want to know exactly what you are buying, so this is a crucial step! 🔍 .