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!

Luke Chamberlin is a top Bergen County mortgage banker with Luminate. With his extensive knowledge of sales and the mortgage industry, Luke is an ideal partner in the process of buying your next home. 

Luke is centrally located within Bergen County, making it quick and easy for clients to visit. As a Bergen County mortgage banker, he is able to assist each borrower through processing, underwriting, and closing their loan. Luke is an affiliate member of Greater Bergen Realtors and has been a guest speaker for the board’s education on ‘Ethics’, continuing education programs, as well as various real estate offices. As a Bergen County Mortgage Banker, Luke realizes the most important quality of a loan officer is the ability to listen. He works with each client individually to identify the best program and rate for their individual needs. 

Luke is a thirteen-year recipient of the Five Star Mortgage Professional award. As one of only three mortgage professionals in the state of New Jersey to receive the award for 14 consecutive years, Luke is proud to represent the community he so gladly serves. 

A lifelong resident of Ramsey, NJ, Luke received his undergraduate degree from the University of Maryland and his MBA from St. Joseph’s University in 2002.