Luis Sanchez-Santana at Rate (NMLS #1150977)

Working with Luis Sánchez was truly a blessing for my clients. From the very first contact, he showed empathy, clarity, and a genuine interest in helping them achieve their dream of homeownership. Throughout the entire process, he was always present, answered every question, and provided peace of mind—especially for first-time buyers. The closing was a success thanks to his dedication and professionalism. I highly recommend Luis to anyone looking for a trustworthy and compassionate loan officer.

I’ve had the pleasure of working with Luis Sanchez at Rate on multiple transactions, He consistently delivers an exceptional experience for both my clients and our team. Luis is knowledgeable, responsive, and truly goes above and beyond to ensure every loan process runs smoothly from start to finish. What I appreciate the most is his communication and transparency — my clients always feel informed, comfortable, and confident throughout the entire process. If you’re looking for a lender who is professional, trustworthy, and genuinely cares about his clients’ success, I highly recommend Luis.

It has been an amazing opportunity and blessing to work with Luis Sanchez-Santana and Rosa Torres-Milciukas. Once I decided to purchase my first home, I realized that nothing but questions and concerns would be at the forefront of my mind. However, the moment I reached out to Luis, he proved to be a great source of knowledge, support, and reliability. Upon meeting Rosa, she remained dedicated, diligent, and proactive in preparing and completing all necessary paperwork to secure loan approval. Both continuously provided updates, kept me informed throughout the whole process, and never left any questions unanswered. Honestly, I appreciate all the hard work. Thank you!

I had the opportunity to meet Luis through the Hackensack Chamber of Commerce while we were both actively serving in the U.S. Army. At the time, I was just getting started in real estate, and it was immediately clear that Luis brought a level of professionalism and dedication that stood out. Luis specializes in the VA loan product, and his knowledge in that space is impressive. As fellow veterans, we both understand how important it is for service members and their families to have someone who truly knows the ins and outs of VA financing — not just on paper, but from personal experience. He takes the time to educate, communicate clearly, and make sure clients feel confident throughout the process. If you’re a veteran or active duty service member looking to leverage your VA benefits the

Luis is great at what he does and very patient while working with you to understand everything thats being shown to you. Communication is consistent and personable. Youre not just getting a professional mortgage broker, youre also getting a caring human who wishes for you to be comfortable in your decisions and financial commitments. His staff is also great and works timely with your needs and requests. I highly recommend working with him if you're looking for someone who will make the effort to speak with you every step of the way.