I have been a Realtor in the valley for over 16 years and Jay Luber has been my «lender of choice» for 13 of those years. Without a doubt Jay is my go-to guy, and one of the smartest loan experts in the Phoenix area. What makes Jay different from the many bankers and«dime a dozen» money hucksters that dominate the Valley? In a word: KNOWLEDGE His depth of the various situations that come up makes him indispensable — and my clients are crazy about him. I trust Jay to ALWAYS treat every customer like gold — and I also trust that he will put their interests ahead of his own. He is happy to answer questions, and takes the time to make sure that no detail is left to chance. I’ve always felt that my $ 150,000 home buyers received as much attention as the $ 850,000 buyers. Jay answers his phone and is available personally on his cell phone should you need him. That means the world to both me and my customers. Jay is an incredible resource for knowledge and like an expert Chess player he anticipates situations and issues to minimize surprises later on. He know the programs, rates, requirements and more. There are many lenders who knock on my door looking for business, but only ONE lender has earned my trust and referrals. Highest recommendation — Jay and Galaxy Lending Group are rock solid.