We are a mortgage lending group that prides ourselves on excellent customer service. See how we have helped our clients get the loan and advice they need. Just think, you could be one of our next satisfied customers!



Harold kept me in the loop on every aspect of the process. It is never easy with banks and underwriters but Harold kept calm which kept me calm. Appreciate his experience and communication 100%!


~ Home Buyer, Phoenix, AZ



Thanks Jay. You and your company made this nerve racking event go very smoothly. I appreciate your help through the whole process and I hope to do business with you again.”


~ Brian



Thank you Andrew, you’ve been a pleasure and true experienced professional to work with as well. I look forward to working with you again in the future.


~ Bruce



Hey Harold!! Thank you so much for your wonderful help in getting us into this house. I can’t believe it’s been a week already! You exceeded my expectations by about 100 times. I’m not going to recommend you to people. I’m going to demand that they use you. I don’t think you could have made it any better unless you brought me cookies. Again thank you so much.


~ Britt



Jay, Denisse and Sarah, just wanted to say thank you to you all for working on our loan and helping us buy our home! It was a pleasure working with each of you and we truly appreciate it! You have our deepest gratitude.


~ Matt and Olivia G.



As a first-time homebuyer in San Francisco, I heard horror stories about getting a loan for a condominium and how it’s a really long, frustrating process. But Anthony and his team at Galaxy Lending Group made purchasing my first condo fast and easy. He helped me to understand my options and choose the best loan program. Once I decided, Anthony helped me move quickly through the loan process. Calls and emails were promptly returned and he delivered on everything as promised.

Not only did I get the best rate, my loan was cleared to fund in less than 21 days! Galaxy Lending lived up to its reputation for great customer service and I will recommend them to my family and friends.


~ Matthew H.

Product Manager, Google

San Francisco, CA



Thank you very much, Jay. I don’t often connect with mortgage brokers that take the time and effort for clients as you do.


~ Jason F.

Conaway & Conaway, Tustin, CA



Recently my mortgage loan was completed and closed with speed, integrity, efficiency and most of all convenience. I don’t believe it would have been as easy without the wonderful efforts of Anthony Addessi and Denisse Ibarra. My mortgage is held in trust so that was a minor obstacle but quickly resolved. All paperwork was sent expediently with postage paid return envelopes, and when the documentation needed signatures for final closing, a notary was sent to my home. It couldn’t have been any easier. I was saved much time and money.


~ Sandra K.

Quail Valley, CA



My wife and I wanted to share a quick testimonial about our experience in working with Anthony at Galaxy Lending. We’ve worked with different lenders over the years and working with Anthony was refreshing. Being a true professional, Anthony answered all of our questions promptly, explored every option to get us the best loan, and handled every detail eliminating any surprises. We cannot speak highly enough of our experience and absolutely will recommend Anthony to our family and friends.


~ Johnnie and Kimberly R.

Huntington Beach, CA



Jay and Denisse, we signed today…YES!!! Just want you to know that I’m spreading a positive word about your business. It shouldn’t be difficult to drum up business but you’d be amazed at how skeptical everyone is. Someone I work with was unable to get assistance from the HARP program for almost two years and eventually lost her home to foreclosure this past December. When she sees that my doc has recorded she’ll be a believer.

Thanks again for encouraging me to do this. I know I wasn’t the easiest customer, but I’d like to think I wasn’t the most difficult either. At all times, you kept your cool and were always a gentleman. Thank you!


~ Cathy and Paul L.



Jay Luber is the President of Galaxy Lending Group and our “go to” lender.  You’ll find him to be extremely responsive and professional.  It also doesn’t hurt that Jay almost always has the lowest loan fees around. Everyone lands on pretty much identical rates these days, but a lot of lenders really hit you with fees… and Jay doesn’t do that. The biggest reason we use Jay so much, though, is that he’s just such a nice, easy-going guy to work with.


~ Byron Short

Pristine Desert Properties



Mr. Luber, I have never worked with a loan officer as dedicated and as determined as Harold. It was entirely his doing that we got approved and will be closing on this house! I just wanted you to know what an amazing job he did. He didn’t give up even when we did! He knew how much we wanted it and I know for a fact, he lost a few nights’ sleep trying to get it through and he did it!!!

Thanks for hiring such an amazing person! I have purchased 5 homes and have never been treated this good, EVER!!!! He really cared about getting us our dream and we so appreciate him for it!


~Jill and Norman P.

Queen Creek



Jay, I want to let you know how much I appreciated all you did to go above and beyond on this loan. You were wonderful to work with. You think of everything! Thank you for your attention to detail and making the process as easy as possible. You have an incredible attitude that I so appreciate. I’m so glad Jet introduced us. I will definitely be using you in the future and letting my friends know. Thanks again.


~ Christine Ehrich

CEO, Industrial Solutions Network, Phoenix



I just wanted you to know how pleased we are with the service that Anthony provided for us on our two recent loans. One was a refinance and the other was a loan to borrow against a property we already owned. The second loan involved trusts and a number of other complexities we had no clue how to handle. Anthony’s personal expertise and the expertise of other folks in the Galaxy office provided creative solutions to keep the loan process moving forward. Not only was the service phenomenal but the rates that Anthony provided were extremely competitive.

Nothing seems simple anymore, especially in the mortgage arena, but Anthony gave us great advice in a friendly and courteous manner. We really appreciate the high level of personal service that we received and will continue to use Galaxy Lending for any future borrowing needs.


~ Steve and Lydia F.



Jay Luber was a tremendous help to me when I purchased my first home in 2005. He explained everything very thoroughly and I immediately knew that I could trust him. Since that time, I have relied on Jay as a great resource for personal and professional questions. In fact, he helped me with a refinance this year. When most people laughed that I was asking about refinancing – I refinanced with Jay.


~ Holly D.



Jay came highly recommended to us from our realtor. My wife and I found Galaxy Lending to be efficient, professional and knowledgeable for all our mortgage needs. Jay and his staff are excellent in communicating the details and complexities of mortgage financing and continue to be a resource for us during these changing economic times.


~ Steven P. Gordon



We cannot thank Jay Luber enough for his consistently high-quality support guiding us through the home refinance process. Jay has been our mortgage broker for the past nine years. Today, Jay’s group closed our most recent refinance having gone beyond our expectations to help us every step of the way. Jay has:

  1. Initiated calls suggesting when the best rates might be available and under what conditions.
  2. Advised us on the relative advantages and disadvantages of different approaches.
  3. Walked us through each of the many criteria needed to successfully refinance.
  4. Worked with all required paperwork on a minute-by-minute basis (faxing and scanning at all hours of the day and night) to ensure accuracy and timeliness.
  5. Coordinated activities with all parties including title companies, taxing agencies and firms holding public records.
  6. Kept us informed regarding mortgage rates and changes in federal guidelines.
  7. Ensured all closing transactions were met and by the dates we anticipated.

All along, we have felt uplifted, supported and assured that whatever the ultimate outcome, we have been dealing with true professionals who have had our best interest in mind. Our heartfelt gratitude and thanks go to Jay and his wonderful team!


~ Tomas and Donna McIntosh-Fletcher



From the initial phone call to the closing of our short-sale home purchase, Jay was in constant contact with us and available at any time to answer our questions. He made the entire process easier and it was such a pleasure working with him. We would highly recommend Jay to anyone who wants professional, courteous service.


~ Chris and Ann-Jennifer Hart



Jay, I was so tired of fighting the system… lots of talk from people who didn’t care about my problems. The time you took to educate me about how to handle these financial people made all the difference. Thank you for the free advice and kind words you had for me. The world needs more people like you.


~ William B.



Jay Luber and his team have been my ‘preferred’ lender for many years. There are many mortgage brokers in the Phoenix market, but Jay’s knowledge and skills are second to none. Jay has come through on many occasions where other lenders have dropped the ball. He stays in close touch with my clients and staff, and his rates are always very competitive. I recommend Jay highly!


~ Brett Barry



I always recommend Jay and his Galaxy Lending team to my clients knowing that they will receive the highest level of service and get a loan that truly fits their needs and goals.


~ Jonathan Miller



I have worked with countless mortgage brokers over the years and none compare. Your services are truly personalized. I felt as if I had a full-service financial planner, not just a mortgage broker. Other brokers that we have worked with simply wanted to sell us a loan, with little guidance or concern for our needs. Your staff was very competent and professional, able to troubleshoot problems quickly and effectively. We will continue to work on the long-range mortgage strategy that you developed for us and plan on using you again in the future when we refinance.


~ Jeff Fierstein



We have financed and refinanced at least seven new homes with Jay Luber during the past fifteen years. We are so glad he opened his own business so he and his team can take full credit for the great job they do!


~ Bob and Nancy Moisan