It’s not just about buying real estate—it's about creating wealth for the future.
Ready to make your dreams a reality? Luminate Bank is here to help you navigate the path to the right mortgage, from start to finish, with expertise, guidance, and a commitment, making the process smooth and clear.
About Graham
Graham W. Parham has over 24 years of experience as a Mortgage Loan Officer, serving both homebuyers and investors. Widely respected across the industry, his production consistently places him in the top 1% of loan officers nationwide.
Graham is known for his deep knowledge of the residential real estate market and his dedication to client service. From pre-qualification through closing, he takes pride in making the process smooth and stress-free while tailoring financing solutions to each borrower’s unique needs.
By staying ahead of industry trends and offering insight into the latest mortgage products, Graham has built a reputation for going the extra mile to secure the best possible financing for his clients.
“My goal is to continue assisting my clients for life and help them meet the ever-changing needs life throws our way!”

“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”
Qaiser
“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”
Evan
“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”
Joan
