get ready for

A lending team that’s focused on you.

We believe lending should be easy to understand and approachable. With transparency and consistency at the heart of everything we do, we’re here to make sure every step is clear and every decision is made in your best interest.

Our goal is to keep you informed, engaged, and confident at every turn—so, let us introduce you to the staff who make it all happen!

Rich Sciarrone has been working in the mortgage industry since 1998. Before becoming a part of the Luminate team in 2025, Rich joined NJ Lenders Corp. and became a Branch Manager in 2009. 

He brought with him his vast professional mortgage experience along with his dedication to customer service. Rich’s passion is mortgages. He says, "My training and expertise go far beyond just quoting you a good interest rate." He handles all types of mortgage loans at Luminate. Rich’s uniqueness include; understanding the specific needs of each of his clients and delivering, a good listener, resourceful, cares deeply about his clients long after the closing, enjoys educating clients, learning new things and helping people discover new concepts that help them reach their goals. 

As a mortgage banker he will be able to walk each borrower through processing, underwriting, and closing their loan. Rich is not just interested in completing your loan—he takes time to understand your financial needs, values and priorities and hopes to make you a “Client for Life!” Rich has the expertise, knowledge and dedication to help you determine the program to meet your financial objectives at any stage of your life, whether it be a first home purchase, a first or subsequent refinance, a second home purchase, a construction loan, a home equity line of credit or any other financial requirement that affects the value of your personal real estate assets. 

Rich is a graduate from Hofstra University. He is an associate member of the Long Island Business Institute (LIBI) and a member of the Hauppauge Industrial Association.