Your Partner in Texas Home Financing

Finding a home should be as simple as flipping on a switch. Getting a home loan shouldn't feel like it's you against the world. Steve Placker, your Texas mortgage expert, works hard to share his knowledge and find the right home loan for you. With Steve by your side, you're not left out in the dark. Let us help you discover the path to homeownership that suits your needs.

Meet Steve Placker

Mortgage Loan Originator | NMLS# 243155

I'm passionate about applying my extensive knowledge and experience to unique situations, ensuring that each of my customers finds the perfect mortgage product that aligns with their specific needs. But it's not just about the loan; it's about the experience. I'm committed to making your journey to homeownership truly amazing.


If you're seeking a trusted partner in your home financing journey, look no further. I'm here to go the extra mile to help you find the right mortgage solution and to ensure that your path to homeownership is an amazing one. Let's work together to turn your homeownership dreams into reality.

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What Our Clients Have to Say

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Construction Loans

When you need a Texas construction loan, Steve Placker is your go-to mortgage expert. Check out our wide variety of construction loan products and options to find something that fits your situation.

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Conventional Loans

Conventional loans at Luminate are a great option for many homebuyers since they are flexible as far as properties you can choose from, fees, and loan structures available. Click below for more info!

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FHA Loans

FHA loans are designed for low-to-moderate income borrowers who are unable to make a large down payment or have a less than ideal credit score. FHA loans are much easier for most homebuyers to qualify for.

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VA Loans

Have you served in the military and are searching for a home loan that’s right for you? Because of your service history, you may be able to qualify for a VA home loan to make your home hunt easier.

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Ready to get started?

The home loan process doesn't have to be scary. Our team is here to help! All it takes is the following few steps:

  • 1. Tell Us About You

    Talk through your goals and timing, so that together we can decide which loan option is the best fit for you.

  • 2. Fill Out the Application

    Gather your financial details and complete your loan application to start the pre-approval process. We're always here if you have any questions.

  • 3. Get Pre-Approved

    Once your application and credit report have been reviewed, you will receive a pre-approval letter to get out there and start your home search.

  • 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 an start shopping from a home.