Licensing & Regulatory Disclosures
Journey 2 Home
Journey 2 Home is a collaborative marketing brand created by Denise Thompson, Mortgage Loan Officer with Luminate Bank, and Duane Thompson, REALTOR® with eXp Realty, LLC.
Journey 2 Home is not a separate legal entity and does not provide mortgage lending or real estate brokerage services independent of its affiliated professionals.
Consumer Choice
Consumers are free to choose any real estate brokerage, mortgage lender, settlement service provider, title company, home inspector, insurance provider, or other service provider.
The use of one service is not conditioned upon the use of another.
Educational resources provided by Journey 2 Home are offered for informational purposes only and do not obligate consumers to work with Denise Thompson, Duane Thompson, Luminate Bank, eXp Realty, LLC, or any affiliated service provider.
Mortgage Licensing
Denise Thompson
Mortgage Loan Officer
Luminate Bank
NMLS Individual Identifier #2562356
Denise Thompson is authorized to originate residential mortgage loans in states where properly licensed and where Luminate Bank is authorized to conduct business.
Mortgage financing is subject to borrower qualification, underwriting approval, property eligibility, and applicable federal and state lending requirements.
Loan programs, rates, terms, fees, and availability are subject to change without notice.
Not all applicants will qualify.
Real Estate Licensing
Duane Thompson
REALTOR®
eXp Realty, LLC
Tennessee Real Estate License #365120
Washington Real Estate License #20121612
Real estate services are provided in accordance with applicable state licensing laws.
Equal Housing Opportunity
Journey 2 Home, Denise Thompson, Luminate Bank, Duane Thompson, and eXp Realty, LLC support the principles of the Fair Housing Act and the Equal Credit Opportunity Act.
We are committed to providing professional services without regard to:
Race
Color
Religion
Sex
Disability
Familial Status
National Origin
Age (where applicable)
Marital Status (where applicable)
Receipt of Public Assistance (where applicable)
Sexual Orientation (where protected by law)
Gender Identity (where protected by law)
Any other characteristic protected by applicable federal, state, or local law.
We believe every individual deserves equal access to professional real estate and mortgage services.
Fair Lending
Mortgage lending decisions are made in accordance with applicable federal and state lending laws.
Applications are evaluated using established underwriting guidelines and applicable lending criteria.
Nothing contained on this website should be interpreted as a guarantee of loan approval or loan terms.
Fair Housing
We are committed to promoting equal housing opportunities and complying with all applicable Fair Housing laws.
Property availability, financing opportunities, and professional services are offered without unlawful discrimination.
Educational Information
The information provided on Journey2Home.com, including guides, checklists, articles, downloadable resources, calculators, and educational materials, is intended for general informational and educational purposes only.
The information should not be considered legal, tax, financial, investment, or accounting advice.
Consumers should consult qualified professionals regarding their individual circumstances.
Third-Party Resources
Journey2Home.com may provide links to third-party websites or recommend independent service providers for the convenience of our visitors.
Journey 2 Home does not control the content, privacy practices, or services offered by third-party websites.
The inclusion of any third-party link does not constitute an endorsement or guarantee of products or services.
Promotional Giveaways
From time to time, Journey 2 Home may offer educational promotions, prize drawings, or giveaways.
Unless otherwise stated:
No purchase is necessary to enter or win.
Entering a giveaway does not require using any mortgage, real estate, title, settlement, insurance, or other service.
Odds of winning depend on the number of eligible entries received.
Additional terms and eligibility requirements may apply.
Copyright
Unless otherwise noted, all content appearing on Journey2Home.com, including:
Educational guides
Worksheets
Checklists
Graphics
Branding
Logos (excluding third-party logos)
Text
Layouts
Design elements
is the property of Journey 2 Home or its respective owners and may not be copied, reproduced, distributed, modified, or republished without prior written permission.
Third-party trademarks, logos, and service marks remain the property of their respective owners.
Contact Information
Mortgage Services
Denise Thompson
Mortgage Loan Officer
Luminate Bank
NMLS #2562356
📞 865-280-4800
📧 denise.thompson@goluminate.com
Real Estate Services
Duane Thompson
REALTOR®
eXp Realty, LLC
TN License #365120
WA License #20121612
📞 865-280-2616
📧 duane@journey2home.com