Luminate Bank - Smithtown, NY

Michael was an absolute pleasure to work with throughout our mortgage process. He was professional, attentive, and truly took the time to listen to our needs and answer every question along the way. His guidance made the entire experience smooth,...

What a great experience working with Rich and Luminate Bank. We couldn't have gone through this intense process without his expertise and support.

Amazing experience! Very efficient and easy to work with.

I bought two multi-family properties in 2025 with the help of Richard. I highly recommend him. He made the process incredibly smooth and easy. He is always available to answer my many questions, explaining complex terms in plain English. I...

Rich is extremely knowledgeable and understood my needs and explained options to meet my needs he was always available and would respond quickly with answers to all my questions and concerns . It was a pleasure working with him

The communication from Gregg was excellent and was the best part of our experience.

Rich was extremely knowledgeable and helped us select the right type of loan we needed to buy our first home!

Richard is on top of every detail and is excellent at guiding you thru all the processes.

Rich communicates everything clearly and timely and is available to answer questions and provide solutions to any issues that arise during the process. I trust his advice and hope to continue working with him in the future.

Easy service straight foward, no runaround. Great communication. Made refinancing almost fun.