It’s not just about buying a house—it's about lighting your way home.

Ready to make your homeownership 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 to making the process smooth and clear.

Hi, I'm Chris!

Since joining the industry in 2015, Chris Fulton has been helping homebuyers and homeowners across Florida achieve their real estate dreams with personalized mortgage solutions and a client-first approach. Based in Sarasota, Chris specializes in serving communities from the Gulf Coast to the Tampa Bay area, bringing local market insight and a commitment to exceptional service.


An active leader in his community, Chris currently serves as President of the Sertoma Club of Greater Sarasota and is a proud member of the Realtors® Association of Sarasota and Manatee and the Women’s Council of Realtors – Sarasota. His dedication to service has earned him the Sertoman of the Year Award, a testament to his impact both in and out of the office.


When he’s not guiding clients through the mortgage process, you can find Chris enjoying time with his family, out on the water fishing or boating, or on the field playing and watching soccer. His personal passions and professional expertise come together to create a well-rounded, approachable, and knowledgeable partner for anyone navigating today’s real estate market.


Whether you’re buying your first home, upgrading, or refinancing, Chris is here to make the process clear, smooth, and tailored to your goals.


Proudly Serving Sarasota, Bradenton, Lakewood Ranch, Venice, North Port, Port Charlotte, Longboat Key, Siesta Key, Anna Maria, Parrish, Arcadia, Clearwater, St. Petersburg, Riverview, Brandon, Valrico, and Sun City Center, FL


Awards:  Sertoman of the Year Award


Achievements: Sertoman of the Year Award


Hobbies:  Family, Boating, Fishing, Football, and Soccer.


Memberships:

NMLS

President of Sertoma Club of Greater Sarasota

Realtors Association of Sarasota and Manatee

Women's Council of Realtors – Sarasota

Sarasota Chamber of Commerce

Lakewood Ranch Business Alliance

>> Our Products

A black and white icon of a house on a white background.

Conventional Loans

Conventional loans are a solid choice for many homebuyers, offering flexibility in property types, fee structures, and loan terms—perfect for those who want options.

FHA Loans

FHA loans make homeownership more accessible for low-to-moderate income buyers or those with less-than-perfect credit. With smaller down payment requirements and easier qualifications, FHA loans help open the door to homeownership for many.

A black and white icon of a money bag with a dollar sign and a percent sign.
A black and white silhouette of a medal with a star on it.

VA Loans

VA loans honor our veterans and active service members by making home loans more accessible. If you’ve served in the military, a VA loan could be the ideal way to simplify your home-buying journey.

A black and white icon of a house with a tree in the background.

USDA Loans

USDA loans are designed for those looking to purchase in rural areas. Offered by the USDA, this option supports rural homebuyers with lower incomes, helping them find a place to call home where it matters most.

A woman is smiling while holding a key in her hand.

“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

WE BELIEVE.

The home loan process doesn't have to be scary. Our team is here to help!

REVIEWS

5/5 Stars

Chris Fulton's experience and dedication create the perfect combination for his clients' needs. He has sound advice and a plan to help you get where you need to be to maximize your opportunities. I highly recommend Chris Fulton. - Nancy | 8/12/2025


Chris was cool calm and collected whereas we had some anxiety from time to time. He was there for us the entire time and talked us through to make certain we were comfortable and satisfied customers! - Sean | 8/9/2025


This is the second time I have worked with Chris to obtain a new mortgage for our home. Chris is alway very attentive, responds quickly to my emails and always gives me a peace of mind when I have any questions about the process. - Linda | 8/2/2025


Chris made a potentially stressful process comfortable for me. His patience and understanding were much appreciated. It was a pleasure working with Chris and I will definitely recommend his services. - Ralph | 6/24/2025