Robert Glasser at Luminate Bank NMLS #1780829

09/15/2026

Love your mortgage rate? You might not have to give it up to give your home an upgrade.

If you’ve been putting off a bigger renovation because refinancing your low-rate first mortgage doesn’t make sense, a second-lien renovation financing option can let you keep your existing mortgage in place while accessing funds for eligible improvements.

And depending on the project, financing may consider your home’s projected value after the renovations are complete.

New kitchen? Addition? ADU? There might be more ways to make the numbers work than you think.

You want to make improvements, but you don't want to refinance. With a second-lien renovation option, you can potentially access additional financing.

09/11/2026

For those celebrating, we hope you and your loved ones have a happy Rosh Hashanah.

Wishing you a year filled with joy, peace, and many moments to celebrate. Shana Tova.

09/10/2026

You got pre-approved. Time to celebrate? Absolutely. Is it the final finish line? Not quite.

Your pre-approval is an important first step, while final approval comes after your lender takes a deeper look at your finances, documentation, credit, and the property.

Keep things steady, keep me in the loop, and let’s keep your mortgage moving toward the closing table.

09/08/2026

These days, there’s a little more to condo financing than finding a place you love and getting the keys.

Your lender may need to look at the condo project itself, including the HOA’s finances, insurance, reserves, repairs, and more.
And with condo review changes taking effect in 2026, plus the transition to UAD 3.6 appraisal reporting, there are some things worth knowing before you make an offer.

If a condo is on your wishlist, let’s talk about your plans. I’m happy to help you figure out what comes next!

When you buy a condo, your lender may look at more than just you and the unit you want to buy. They may also need to review the condominium project itself.

09/07/2026

Happy Labor Day! Here’s to the workers, builders, dreamers, and doers who make a difference every day. We hope you enjoy a well-earned day to relax, recharge, and spend time with the people who matter most.

Our offices are closed today in observance of the holiday and will reopen tomorrow during regular hours.

09/06/2026

5.0 star review received on Experience.com for Rob Glasser by Leonora L - I had a wonderful experience working with Rob as my lender. He was professional, knowledgeable, patient, and always available to answer my questions throughout the entire process. Buying a home can be stressful, but Rob made everything feel much easier and kept me informed every step of the way.
I truly appreciated his responsiveness, attention to detail, and willingness to explain everything clearly. I always felt like he had my best interests in mind and was working hard to make sure everything went smoothly.
I would absolutely recommend Rob to anyone looking for a lender. Thank you, Rob, for helping make the home-buying process such a positive experience

Click to see all 241 reviews of Rob Glasser, Mortgage Loan Originator | NMLS # 1780829

09/03/2026

First-time homebuyers: here’s your permission to ask your loan officer all the questions.

Even the “this might be a dumb question…” questions.

There aren’t any dumb questions when you’re making one of the biggest financial decisions of your life. In fact, some of the best conversations happen when we get beyond the basic numbers and start talking about what could change, what you might be overlooking and where you want to be a few years from now.

A good mortgage conversation should leave you feeling more informed, not more overwhelmed.

09/01/2026

Don't let closing day become a scammer's opportunity.

When you’re getting close to closing, your inbox is probably full of messages from your lender, real estate agent, title company and attorney. That’s exactly what scammers are counting on.

Wire fraud scams often look surprisingly legitimate, which is why it’s so important to verify wiring instructions and be cautious about unexpected changes or requests for personal information.

A few extra seconds of verification could save you from a very expensive mistake.

Scammers often impersonate lenders, title companies, attorneys, or real estate agents in an attempt to redirect closing funds or collect personal information.

08/27/2026

Business owners know the reality: deductions and business expenses can make taxable income look very different from the cash flow behind the business.

That doesn’t automatically mean homeownership is off the table.
There may be mortgage options that take a different approach to documenting income, depending on your situation.

If you’re self-employed and thinking about buying, send me a message. Let’s look at the full picture before you count yourself out.

08/25/2026

Only 65% of small business owners feel confident in managing their cash flow.

And for small business owners, entrepreneurs and self-employed borrowers, qualifying for a mortgage can look a little different.

Your income may fluctuate. You may reinvest heavily into your business. Your tax returns may show deductions that don't tell the entire story of your financial picture.

And because Luminate Bank combines banking and mortgage lending, the conversation can go beyond the mortgage itself.

If you're a business owner thinking about buying a home, refinancing or investing in real estate, it may be worth having the conversation before assuming a traditional mortgage is your only option.

Luminate Bank is an FDIC-insured bank and a full-service mortgage lender, offering business banking, commercial financing, and residential mortgage solutions.