Luminate Bank - Smithtown Branch

I had the pleasure of working with Richard Sciarrone as my mortgage consultant, and I can confidently say that he exceeded all expectations. From the very first meeting, Richard took the time to listen to my needs and thoroughly explain every step of the process. He was incredibly knowledgeable, patient, and always available to answer my questions, no matter how small. What really stood out was his attention to detail and commitment to finding the best mortgage solution for me. He worked tirelessly to ensure I was getting the best rates and terms, making the entire experience smooth and stress-free. Richard’s professionalism and dedication were evident throughout, and I truly felt that he had my best interests at heart. I highly recommend Richard Sciarrone to anyone looking for a trustwort

Mike was not only friendly but extremely knowledgable and informative whenever we had questions. Applying for a mortgage can be tedious and scary, but he put our minds at ease and we knew we were in great hands during the entire process. I couldn’t recommend him enough!!

First time home buyer! I worked with Rich who was referred to me by a friend. The service was excellent. Rich was there every step of the way from pre approval, to house hunt, to closing. He gave us guidance on what type of mortgage would work for us as well as info on other loans we may use for other home renovations. He explained everything and answered any questions promptly which kept the process moving. He was extremely responsive which made what seemed like an overwhelming process into a smooth and streamlined experience. I will definitely be referring him to family and friends and will use him in the future for any other services we might need him for.

We worked with Richard Sciarrone and he was amazing. We were first time home buyers working with him and he made the experience very easy and made us feel comfortable throughout the entire process. He was always available when we had questions and responded very quickly. He is very knowledgeable and professional. We will definitely work with him again. I 100% recommend him. Thank you Rich!

Rich and the team were absolutely amazing. He responded immediately to any questions, concerns that we had during this process, making it a lot more streamlined. I would highly recommend him and his team for all your lending needs.