Luminate Bank - Smithtown, NY

Michael is extremely qualified, knowledge and professional. He is with you every step of the way, guiding you through your entire loan process. For the most competitive rates and hardworking staff... Michael and his team are the ONLY choice....

He's intelligent, articulate and his coordination and communication skills are unrivaled. As an out-of state, first time buyer who was constantly traveling for work, Rich knew my schedule better than I did. Any time I had a question, he was...

I was a first time home buyer with a baby on the way. To say I was nervous would be an understatement. Rich guided me through the process and helped me choose the correct path for my family. He also recommended the agent and lawyer for the...

Richard was always there when I needed him, answering even my most annoying questions, during a time I was rejected a couple offers, he was following up with me every week to see the progress and when I went in full contract he did everything...

Rich made this process extremely easy for me. He was there every step of the way. Returned my calls in a timely matter and answered all my questions!!

Rich made the process of buying my first house less stressful. He’s very knowledgeable and reliable from start to finish. Definitely will recommend to friends and family.

I recently had the pleasure to work with Rich in purchasing my first home. He was amazing to work with very knowledgeable and reliable. He managed to make the entire process from start to finish smooth and fast. Highly recommend!

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Rich went the the entire process step by step and took care of any questions that either my wife or I had. This was the second time I used him for my mortgage and I would use him again in the future as well as recommend him to all my family...

My wife and I were extremely happy with Rich and how quick he was on getting us our mortgage. This is the second time I used him to receive my mortgage. He was very knowledgeable and informative throughout the entire process. Was very quick...