Tim Oddo
Reverse Mortgage Advisor | NMLS # 302667
At Luminate Home Loans, our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
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Tim was always there when we had any questions or concerns. He was responsive llland easy to tslk to.
Reply from Tim Oddo
April 7th, 2026 08:15 PM
I appreciate your feedback, Char. It's important to me that you felt comfortable reaching out with your questions and concerns. I'm glad to hear that my responsiveness and approachability were helpful to you. Should anything else come up, feel...
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Tim is a true expert in reverse mortgages. He takes incredible care of his clients, communicates clearly, and always operates with integrity. I confidently refer clients knowing they’re in great hands, he’s able to work in most states which...
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Reply from Owner
March 23rd, 2026 06:27 PM
Thanks Priscilla - always enjoy helping your clients with their Reverse Mortgage needs.We are dedicated to serving our community, including homeowners in Colorado with expertise in every reverse mortgage and HECM loan scenario. Whether exploring...
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It was effortless.
Reply from Tim Oddo
March 17th, 2026 11:46 PM
I'm pleased to hear that you found the process effortless, Richard. If there's anything more I can do for you in the future, feel free to reach out. Thank you for choosing Luminate Bank.
We've had the opportunity to close multiple reverse mortgage transactions with Tim, and he is truly a professional. Reverse deals can be complex, but he does an excellent job educating his clients, setting clear expectations, and keeping communication...
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Reply from Owner
February 26th, 2026 03:34 AM
Rocco — thank you so much for the kind words. It truly means a lot coming from a trusted title professional.Reverse mortgage transactions — especially HECM loans — can absolutely be more detailed than traditional loans, so having a strong title...
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Tim walked me thru the whole process explaining things along the way. would highly recommend!
Reply from Tim Oddo
February 25th, 2026 07:36 PM
Dawn, I'm pleased to hear that you found the process clear and informative. It's important to me that you felt guided every step of the way. I appreciate your recommendation and thank you for choosing Luminate Bank.
The whole process was quick and smooth!
Reply from Owner
February 17th, 2026 10:34 PM
Thanks Dawn! Congrats on your HECM reverse mortgage closing.It was truly an honor to help you through your reverse mortgage closing. My goal is always to make the HECM reverse mortgage process smooth, clear, and stress-free from application...
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I had a great experience working with Tim, since he was very supportive and made sure I understood each step. Highly recommend.
Reply from Owner
February 17th, 2026 10:34 PM
Jillian thank you for your kind words!! Congrats on your HECM reverse mortgage closing.It was truly an honor to help you through your reverse mortgage closing. My goal is always to make the HECM reverse mortgage process smooth, clear, and stress-free...
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I partnered with Tim on a Reverse Mortgage for one of my clients. The client used the product to purchase a home. Tim did a fantastic job. He was professional, responsive, and incredibly patient in explaining the details to both the borrower...
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Reply from Owner
February 10th, 2026 05:52 PM
Thank you Helen!! It's always a pleasure helping you and your clients with their HECM reverse mortgage needs. Reverse Mortgages are a great retirement tool - always appreciate your professionalism and care for your clients.We are dedicated...
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A giant thanks to Tim Oddo and his team for their amazing work on our recent HECM loan. From start to finish, Tim was transparent, responsive, knowledgeable, and efficient - easing some stress in a major life change. Tim was exceptional working...
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Reply from Owner
January 13th, 2026 07:26 PM
Thank you Stephanie! It was a pleasure helping Marty use a Reverse Mortgage to purchase her home. I know this will be a blessing to her and give her more monthly cash-flow. TimWe are dedicated to serving our community, including homeowners...
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I was referred to Tim while trying to determine the next steps for my mother-in-law during a major life upset. Tim not only provided a great solution with the HECM, his professionalism, efficiency and personal touch were amazing for us moving...
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Reply from Tim Oddo
January 13th, 2026 07:35 PM
Stephanie, I'm grateful for your feedback and am pleased to hear that I could assist during such a significant time for your family. It's important to me to provide both effective solutions and a supportive experience, especially when navigating...
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At Luminate Home Loans, our mission is to unlock people's full potential through finances, and provide them with clarity at every step along the way.
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- NMLS # 302667
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