Luminate Bank - Smithtown, NY

Rich was referred to us through a friend and boy did we luck out. Rich provided us, first time home buyers, with sound guidance and education throughout the entirety of the buying process. He comes to the table with a depth of expertise and...

Very happy with the process from start to finish, I wouldn’t use anyone else!

Fast, easy, and to the point! Richard was always available and every estimate he gave was spot on. A true professional that I would not only recommend, but would look forward to working with in the future.

Great overall experience

Adding to my last review Rich just did a refi for us and it was smooth and painless. He’s now a contact for us and advisor when it comes to our mortgage and answers any questions when itComes to our concerns.He’s always available and gets things...

Adding to my last review Rich just did a refi for us and it was smooth and painless. He’s now a contact for us and advisor when it comes to our mortgage and answers any questions when itComes to our concerns.He’s always available and gets things...

Rich was incredibly helpful at every step of the way. He was able to answer every one of my questions (and I ask a lot of questions!) and he remained committed to our job throughout the whole process. Rich was a pleasure to work with.

Michael was easy to work with, and always followed up with us. He was timley and responsive to our questions and he is a straight shooter... not a salesmen... he was able to keep us up to date with current interest rates and saved us money...

Rich recognized very early that I was a very nervous buyer. Rich was very helpful and guided me throughout the entire process. He possesses great patience because there were many times where he had to repeat himself. I would highly recommend...

Rich did a fantastic job. He got everything together quickly and had a generous lock-in period for his rates.