Luminate Bank - Smithtown, NY

Mike was referred to me by a friend when I was buying my first home. He got me pre-approved and beat the rates of the big banks. Personal touch and helped me and my wife with the entire process.

First off big thanks to Mr Mike and everyone in his office especially Gaby. Very communicative group of people who are always there via email or text whenever you have any questions. Being a first time home buyer my wife and I had Tons lol...

An absolutely outstanding experience. Rich provided constant communication as well as market information and news letters. Couldn’t have asked for a smoother transaction obtaining the mortgage on my families new home. I will surely be sending...

From start to finish Rich was knowledgeable, helpfull,and kept all lines of communication open.He was always professional and made the experience of obtaining the mortgage less stressful

An absolutely outstanding experience. Rich provided constant communication as well as market information and news letters. Couldn’t have asked for a smoother transaction obtaining the mortgage on my families new home. I will surely be sending...

Great experience!

Gregg was nothing but excellent—responsive, helpful, and incredibly easy to work with. I would wholeheartedly refer him to anyone looking for a mortgage and will gladly use him again in the future.

From the first phone call, Rich was more than helpful. We never thought we could be home owners but Rich made the process tangible and walked us through every step of the way. He was always there to answer questions and give great advice. We...

We stoped worrying about the mortgage as soon as we met Richard, he has a great personality and gave us confidence and assurance that things were going to work in our favor. He works quickly and kept us informed every step of the way.

I was able to trust Richard he was always available, he also explained the process. He eased my application anxieties away.