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Fabio Gulla - Mortgage Loan Originator | NMLS# 69827 in Little Falls, NJ

Fabio Gulla

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Mortgage Loan Originator | NMLS# 69827

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As a Mortgage Loan Originator with over 28 years of experience in the real estate industry, I feel I’m able to educate and exceed all expectations of customer service throughout the mortgage process. My goal is to always help my clients fee... Show More
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  • Encompass
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    Nicole W
    OAK RIDGE, NJ
    Posted on September 3rd, 2026 02:22 PM
    As first time home buyers, Fabio made the process seamless from start to finish. 10/10 recommend
  • Encompass
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    Alex L
    TOWNSHIP OF WASHINGTON, NJ
    Posted on September 2nd, 2026 02:08 PM
    Fabio & Brian are the absolute BEST!!
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    Alex L
    Posted on September 2nd, 2026 12:00 AM
    Fabio and his team are absolutely top-notch. They are with you every step of the way. Absolutely world-class service.
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    Ratheesh K
    Posted on August 30th, 2026 12:00 AM
    I had an outstanding experience working with Luminate Bank for my home financing. Fabio and his assistant Brian provided exceptional service from start to finish. Despite the challenging interest rate environment, Fabio went above and beyond...
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  • Encompass
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    Ratheesh R
    RANDOLPH, NJ
    Posted on August 21st, 2026 10:38 PM
    I had an outstanding experience working with Luminate Bank for my home financing. Fabio and his assistant Brian provided exceptional service from start to finish. Despite the challenging interest rate environment, Fabio went above and beyond...
    read more
  • Encompass
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    Vikas A
    MORRIS PLAINS, NJ
    Posted on August 4th, 2026 12:42 PM
    Very proactive in addressing the questions on mortage application.
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    Vikas A
    Posted on August 4th, 2026 12:00 AM
    I had an outstanding experience working with Fabio and his team throughout my mortgage application process. Their knowledge, responsiveness, and commitment to helping me secure the best possible outcome were truly impressive. Every question...
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  • Encompass
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    Aaron W
    BLOOMINGDALE, NJ
    Posted on July 31st, 2026 02:30 PM
    Very informative and responsive to any communications
  • Encompass
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    Steven N
    RAMSEY, NJ
    Posted on July 16th, 2026 12:43 PM
    Fabio was very attentive to all my needs and was available for any questions at all times. Always kept me in the loop with what was happening and was fantastic to work with. I always felt as if I was in good hands with Fabio.
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    Steve N
    Posted on July 16th, 2026 12:00 AM
    Fabio and his team were fantastic. They were always available to answer my questions and kept me informed during every step of the process what was happening. I’m very happy I chose to work with them.
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    About
    As a Mortgage Loan Originator with over 28 years of experience in the real estate industry, I feel I’m able to educate and exceed all expectations of customer service throughout the mortgage process. My goal is to always help my clients feel confident and secure, and make the mortgage experience one that they ultimately enjoy and feel good about making. I specialize in Conventional, FHA, and 203K loans, as well as Non-Warrantable Condos. I’m also a licensed Real Estate Appraiser and former business owner. In my spare time, I am an avid biker who loves to play sports, go to the gym, and coach my kids in recreational and travel-level sports. I also enjoy reading and routinely volunteering my time to multiple charitable causes.
    Products & Services
    Mortgage Loan Officer
    FHA Home Loan
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    Licenses
    • NMLS# 69827
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    Equal Housing Lender
    Luminate Bank is an Equal Housing Lender | Member FDIC
    Luminate Bank | NMLS ID #1281698
    2523 S Wayzata Blvd. #100 Minneapolis, MN 55405 | Phone (952) 698-3300
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