Todd Larreau profile picture

Todd Larreau

Luminate Bank

Residential Mortgages
Todd Larreau
Luminate Bank
701 N. Green Valley Parkway, 2nd Floor, Office 269
Henderson, NV 89074

toddlarreau.com

My Business

Residential mortgage lending, both purchase and refinance loans. I am licensed in 37 states. We are a direct lender offering Conventional, FHA, VA, Jumbo loan programs, and First-Time Homebuyer loans.

We pride ourselves on closing quickly, so the buyer and seller can meet their close of escrow.


We also have non-traditional loans such as bank statement, P&L only, investor specialized loans, rehab loans, and many other options.

Individual NMLS # 317095
Company NMLS # 1281698

Ideal Referral

A person who is currently renting and wants to buy a home

Top Problem Solved

Closing loans for borrowers when other lenders have said no.

My Ideal Referral Partner

Realtors

Top Product

VA loans, 100% Financing

My Favorite BNI Story

Hearing a testimonial from a current chapter member on how the BNI group has helped his new business succeed and ultimately changed his family's life.

The Latest From BNI

  • netimageSo Much More Than Just a Tick! (BNI Foundation)
    Wed, 09 April 2025
    Is your business genuinely “giving back” or are you just ticking a checklist? There is rightly an expectation that successful businesses will contribute to the well-being of those less fortunate and, in the war for talent, one of the questions asked most often by sought-after candidates at job interviews is “What CSR (Corporate Social Responsibility) […]
  • netimageHow Building Relationships is a Game Changer for Business Success in 2025 (BNI Global)
    Mon, 17 February 2025
    Are you a business owner deciding on the best strategy for growth in 2025? After analysing what worked and didn’t last year, you want to focus on the right things without wasting time in areas that don’t deliver results, right? Well, the key lies in evaluating who you’re connecting with every day and how meaningful […]
  • netimageThe Art of Transforming Connections into Business Value (BNI Global)
    Tue, 10 December 2024
    Imagine you’re at a networking event. You’ve done this many times—mingle, shake hands, exchange business cards, and make a mental note of who seems interesting. But what often happens after the handshakes fade and the small talk ends? For most, those promising connections never turn into clients or even valuable contacts. Sound familiar? You’re not […]
  • netimage5 Reasons We Meet Weekly (Ivan Misner, Ph.D.)
    Tue, 19 November 2024
    One of the questions I am often asked is: “Are weekly chapter meetings really necessary?” Meeting every week is a serious commitment, and I get it—some people aren’t thrilled about showing up week in and week out for their business networking meeting. In 1986, I decided to experiment with this and launched seven BNI chapters […]

© 2025 BNI Global LLC. All Rights Reserved. All company names, product names logos included here may be registered trademarks or service marks of their respective owners.