Oddo Group - Luminate Home Loans W Dry Creek Cir, Littleton

The Oddo Group was amazing to work with! The care, time, and availability to answer all of our questions made us feel like we were the most important clients they were working with. Michelle and Carla explained things in detail and, in this crazy market, made us feel comfortable with knowing all of our loan options and helped us get to the closing table on our new home!

We first worked with Tim in late 2016 regarding a reverse mortgage; he was professional, knowledgeable, ethical, and personable. However, at that time a HECM loan wasn't the right solution. We decided to revisit this option again in 2022 and were able to move forward with the loan. From the very beginning Tim was extremely helpful. Throughout the whole process he and his team went above and beyond, always going the second mile. They were always professional, and personable; we always felt they had our best interest in mind. This is a team of professionals that were a joy to work with. I highly recommend them and would consider them again if the opportunity arose. Two thumbs up!

I have NEVER experienced such horrible customer service & communication. We recently submitted an application 2 months ago, we received correspondence Informing us of the additional documents to submit as we did promptly which I would later find out it was not uploaded for nearly a month an a half. We we’re told from the beginning we would ballpark for approval roughly in the 500k, once the review process came we were actually approved for 340k which was significantly less then we expected but we would continue the process and settle for a smaller home. The lender we we’re working with up and left the company(understandably, considering who she was working for) nobody reached out to us regarding who would be taking over our loan, no response was given for the several emails that were sent in. Once I sent an inquiry through the website I was told to reach out regarding the loan & our new lending advisor. Turns out after several months of being told we we’re “approved” and looking at homes we were in fact NOT approved! I spoke with Michelle Oddo (the branch manager) and this is when I began to see the true colors of this company. I have never met a more unprofessional, argumentative, unapologetic woman and she is the branch manager???? She continued to argue with me about when I sent in documents even though I have ALL the corresponding emails of when I sent everything in and when I received emails informing me of the amount that we were approved for. Instead of a simple apology for any confusion, miscommunication, or misrepresentation she continued to argue and suggest I pull my credit. She gave me attitude and did not listen to anything I had to say! I finally informed her I will not be pulling my credit to be added to the loan, that was never actually approved, and that I would not be going further with their company. She continued than to harass my realtor, send me emails, call me, text me to “give me an update”. I have never in all my career met a more undeserving person to be in charge of finding family’s a place to call home. I would never recommend her nor her company. I needed to spread my word & my experience as this is supposed to be a happy & beautiful moment in one’s life & they gave us the completely opposite. The only relief I now have is knowing that we are not giving money to inadequate woman & company so undeserving.

Michelle gave me all the time I needed to understand the numbers, help me make an informed decision and I never felt rushed. Other amazing team members Ann Marie shoring up the absolute best credit rating for best interest rate possible with future atomization and Caitlin guiding me through providing imperative documentation and details, reminded me of what was next and made sure I moved swiftly to meet contractual deadlines. The team of ladies gets you to the finish line even if they have to carry you. My wife and I are grateful Thanks ladies !! You all are amazing !! Let’s do it again on our investment property!

Very helpful and communicative the whole process...especially as a first time buyer. I have a small business LLC, so working with no W2 and my wonky taxes was confusing for me, but they made it look like a breeze. Really invested ton of time into my situation. I appreciate everyone I worked with: Michelle, Tonya, Caitlin, Carla, y'all are the best!

This was our second transaction with Michelle and her team. They secured a very competitive rate for us while keeping fees reasonable and made the whole transaction very easy for us. Messages were returned almost immediately and every single person we dealt with displayed the same high level of knowledge and customer service. This has not been our experience with other lenders and we feel very fortunate to have worked with Michelle and Tonya. Thank you Oddo Team!

The team moved quickly for a fast turnaround on a complicated series of financing transactions. We weren't planning on buying a house and hadn't even begun the process of getting financing. Any time we had a question or needed information we quickly received an answer. During an unexpected move it was so nice to have a team that we felt confident in.

We had a great experience. Everything was smooth and we were provided support throughout every step of the process.

Michelle and her team were incredible! We were buying a new build, and the builders had required us to also speak with their preferred lender as a 2nd option. After speaking with them, we connected with Michelle and she explained everything so simply so we could understand and make an informed decision between LeaderOne and the other lender. Obvously, we chose LeaderOne because they had much better programs and closing costs, and they were so much more helpful. This group is amazing! Use them for your lending needs and you won't be disappointed.

We can't thank Michelle and her team enough for the fast, easy experience. Everything was done online - safely and securely - and within the 30 day time frame she promised. From the first quote to the final closing, they offered their guidance and expertise to make this process smooth and seamless. We highly recommend them. Michelle - you have a customer for life!