Hi, I'm Michael Weltman

Retirement Lending Loan Officer | NMLS# 459867

Serving

Serving Georgia’s Glynn, Camden, McIntosh, Chatham, Bryan and Effingham Counties,and Clients Nationwide

Your home equity can do more than you might think. I help homeowners age 55+ explore smart lending solutions to improve cash flow, eliminate monthly mortgage payments, or purchase a new home.

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Specialized for 55+

Retirement lending solutions designed to help you make the most of your home equity.
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Local Expertise

Knowledge of your local housing market and the retirement lending options available to you.
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Trusted Guidance

Clear explanations, honest advice, and personalized recommendations every step of the way.
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Financing Options

Reverse mortgages, retirement home purchases, and more. All tailored to your goals.

Retirement Lending Solutions

Solutions Built Around Your Goals

Retirement lending isn't just about accessing home equity. It's about understanding how your home can support the life you want to live.


If your goal is improving monthly cash flow, preserving retirement savings, purchasing a home that better fits your lifestyle, or creating greater financial flexibility, we'll explore the options together and determine what makes the most sense for you.

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Reverse Mortgages

Access a portion of your home equity without required monthly mortgage payments, provided you continue to meet the loan obligations.

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Home Purchase Solutions

Thinking about downsizing or relocating? We have lending solutions that may allow you to buy your next home while eliminating or reducing required monthly mortgage payments.

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Home Equity Solutions

Depending on your goals, additional retirement lending options may help you access your home equity while preserving financial flexibility.

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Personalized Guidance

Compare your options with clear explanations and recommendations based on what matters most to you.

Why Work WIth me?

Education Comes Before Every Recommendation

With more than 24 years of experience specializing in reverse mortgages, Michael Weltman has built a reputation as one of the Southeast's most trusted retirement lending professionals. Holding a master's degree in Finance from Mercer University, he has dedicated his career to educating homeowners and helping them use home equity as a tool for a more confident retirement.


What truly sets Michael apart is his commitment to personal service. Rather than relying solely on virtual meetings, he travels throughout Georgia, Florida, South Carolina, and Alabama to meet clients face-to-face—often sitting around the kitchen table with spouses, adult children, financial advisors, and attorneys to ensure everyone understands the options and feels confident in the decision.


An accomplished educator and speaker, Michael has taught continuing education courses for realtors, attorneys, mortgage professionals, and financial planners, and regularly presents to community organizations throughout the region. His expertise has also been featured in newspapers, magazines, television, and radio, and he has authored nationally published articles on reverse mortgage lending.



Michael is passionate about making retirement lending simple, transparent, and personalized, helping every client navigate their retirement journey with confidence.

WHAT CLIENTS ARE SAYING

“I had an excellent experience working with Luminate. They were professional, responsive, and made the entire process smooth and stress-free.”


Qaiser

WHAT CLIENTS ARE SAYING

“The whole Luminate team really pushed through when we needed to get things done on a timeline. I was really impressed!.”


Evan

WHAT CLIENTS ARE SAYING

“Luminate is knowledgeable, kind, quick to respond to any question we had and was a great partner in the process.”


Joan

Let's Build a Strategy That Fits Your Goals

If you're planning ahead or ready to move forward, I'm here to help you understand your options and determine what makes the most sense for your goals.

Already Working With Your Trusted Advisors?

We get it - retirement decisions often involve more than one conversation. Many homeowners choose to include adult children, financial advisors, estate planning attorneys, or Realtors as they explore their options.


I'm happy to work alongside the people you trust so everyone has the information needed to make confident decisions.

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