Richard Sciarrone at Luminate Bank - NMLS #68051

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Richard Sciarrone at Luminate Bank - NMLS #68051 Your trusted partner in home loans and financial solutions. Whether you're buying, saving, or investing, we're here to make your financial future brighter.

Rich Sciarrone has been working in the mortgage industry since 1998. Before joining the Luminate Bank community, Rich was part NJ Lenders Corp, becoming 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. 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 effects 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.

Buying a home comes with more costs than you might expect, and a little planning can make a big difference.From your dow...
11/03/2026

Buying a home comes with more costs than you might expect, and a little planning can make a big difference.

From your down payment to closing costs and everything in between, understanding the full picture can help you prepare for your next move with confidence.

Visit the link in the comments for more information.

Have questions about budgeting for a home? Let's talk.

5.0 star review received on Experience.com for Richard Sciarrone by Sara M - Rich  was  great  to  work  with !  very  h...
11/01/2026

5.0 star review received on Experience.com for Richard Sciarrone by Sara M - Rich was great to work with ! very helpful and easy to work with

Click to see all 836 reviews of Richard Sciarrone, Mortgage Loan Originator | NMLS # 68051

4.8 star review received on Experience.com for Richard Sciarrone by Michael M - Rich  went  a  ove  and  beyond,  explai...
10/31/2026

4.8 star review received on Experience.com for Richard Sciarrone by Michael M - Rich went a ove and beyond, explained every step of the process and clearly articulated what my options were theoughout . Checked in with all parties involved to ensure a painless closing. Will definitely be reccommending rich to friends and family.

Click to see all 836 reviews of Richard Sciarrone, Mortgage Loan Originator | NMLS # 68051

10/29/2026

Found a house you love, but still need to sell the one you’re in?

You may not have to wait for one sale to happen before planning your next move.

Bridge loans and other financing options could help you explore the possibilities.
I can walk you through the options, talk through the timing, and help you figure out what makes sense for your situation. Let's start with a conversation.

When was the last time you looked at your home equity?Whether you're thinking about renovating, simplifying debt, helpin...
10/27/2026

When was the last time you looked at your home equity?

Whether you're thinking about renovating, simplifying debt, helping with college expenses, or buying your next home, understanding your options can help you plan for what's ahead.

Consider this your Home Equity Checkup: a look at your options, what to consider, and how to make an informed decision about your next move.

Discover how your home equity can help fund major life expenses, including home improvements, debt consolidation, education costs, or the purchase of another home.

5.0 star review received on Experience.com for Richard Sciarrone by Nancy D - Everything
10/24/2026

5.0 star review received on Experience.com for Richard Sciarrone by Nancy D - Everything

Click to see all 834 reviews of Richard Sciarrone, Mortgage Loan Originator | NMLS # 68051

10/22/2026

If your Zillow saves are getting a little out of hand, I have a suggestion: let's talk before you find "the one."

I can help you understand your budget, walk through your mortgage options, and figure out what makes sense for your situation. And you definitely don't need to have a house picked out to get started.

Keep sending yourself listings. I'll help you get a plan together.

One thing I always want buyers to know? The asking price is only one part of the conversation.Depending on the home and ...
10/20/2026

One thing I always want buyers to know? The asking price is only one part of the conversation.

Depending on the home and the seller, there may be opportunities to negotiate closing costs or explore a temporary rate buydown, too.

If a move is on your mind before the end of the year, it's a good time to get your financing plan in place.

Is fall a good time to buy a house? Get familiar with seasonal housing trends, seller concessions, temporary buydowns, and tips for closing before the holidays.

4.8 star review received on Experience.com for Richard Sciarrone by Luis A S - My response has nothing to do with Lumina...
10/16/2026

4.8 star review received on Experience.com for Richard Sciarrone by Luis A S - My response has nothing to do with Luminate Bank and Richard, but rather with the process in general. Buying a home shouldn't be such a tedious, drawn-out, and stressful process for people.

Click to see all 833 reviews of Richard Sciarrone, Mortgage Loan Originator | NMLS # 68051

Between gifts, travel, family plans, and all the extra expenses that seem to just show up, it's worth looking at your fu...
10/15/2026

Between gifts, travel, family plans, and all the extra expenses that seem to just show up, it's worth looking at your full monthly cash flow before the holiday spending begins.

Take a few minutes to map out your mortgage payment, recurring bills, savings goals, and seasonal expenses. Knowing what needs to be covered first can make it easier to see what you have available for the fun stuff.

Address

11 Redwood Lane
Smithtown, NY
11787

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