Luminate Bank - Smithtown, NY

Rich did an excellent job in explaining all details of the loan and all the requirements needed to execute the loan. The use of all tools like the APP made it clear what my responsibilities were and was easy to use. He was very responsive and...

Rich is very thorough. Sets right expectations. Very knowledgeable and provides a solution that fits you.

Rich is honest and knowledgeable.

I can’t thank Mike and his team enough for going above and beyond during the process. There were deadlines to meet and not only did he meet them, they were done with no worries at all. I would recommend Micheal over and over again. He made...

We were pleased initially with the level of communication we received from Rich. Additionally we were happy with the interest rate and the savings we would receive through this process. But as time went on the communication and support we received...

Rich did everything he said he would and more

Great communication from Rich throughout the process. He kept the process on track and pushed to have the loan processed quickly.

Rich was efficient, informative, and kind throughout our refinance process and made the whole transaction a breeze!

Rich made the entire process seamless. I had had a really bad experience with another lender and Rich helped transfer my application and was able to get it done. I would definitely Recommend Rich and Silver Bay Lending.

Greg is extremely personable and so helpful with all of our questions