Alex Kandah

Branch Manager | NMLS# 383536

I recognize that purchasing or refinancing a home is one of the most significant decisions you will make in your lifetime. Since entering the mortgage industry in 2003, I have witnessed its many ups and downs, gaining the kind of comprehensive knowledge that only experience can teach. This journey has equipped me to think creatively and adapt to the ever-evolving landscape.

My commitment is to simplify the process for you. By shouldering the stress and treating your loan with the same care and dedication I would my own, I make sure that your experience is as seamless and straightforward as possible. Let’s navigate this important journey together, ensuring you feel supported and confident every step of the way.

Rob Decraene

Loan Originator | NMLS# 2652198

With 32 years of experience in the mortgage industry, I bring unmatched expertise and dedication to helping you secure the perfect mortgage. When you work with me, you're choosing someone deeply knowledgeable and committed to making your homeownership dreams a reality. Give me a call today, and let’s get you into your new home!

Phil Yatooma

Mortgage Loan Originator | NMLS# 34977

With a passion for helping clients navigate the home-buying process, Phil brings both expertise and enthusiasm to their role as a  at Luminate Bank

With years of experience in the mortgage industry,  is dedicated to bringing transparency and clarity to each step, so you feel informed and empowered from start to finish. When Phil isn’t helping clients reach their homeownership dreams, you can find him enjoying weekends with their family.

If you’re ready for a lending experience that puts you first, reach out to Phil today—he's here to help you every step of the way!

Marc Mattia

Mortgage Loan Originator | NMLS# 167254

With a passion for helping clients navigate the home-buying process, Marc brings both expertise and enthusiasm to their role as a Mortgage Loan Originator at Luminate Bank.

With over 25 years of experience in the mortgage industry, Marc is dedicated to bringing transparency and clarity to each step, so you feel informed and empowered from start to finish. When Marc isn’t helping clients reach their homeownership dreams, you can find him enjoying weekends with his amazing wife and three sons.

If you’re ready for a lending experience that puts you first, reach out to Marc today—he's here to help you every step of the way!

Jenna Garnett

Loan Originator Assistant |  NMLS# 203191

Jenna was born and raised in Michigan. She started her career the banking/finance industry in South Carolina in 2012 and then moved back home to Michigan a few years later. She obtained her Associate’s Degree in Business Administration from Oakland Community College in 2011. She comes from a background of retail banking as well as mortgage lending experience, and brings her mortgage knowledge from Genisys Credit Union. She is very proud to be an important addition to the Luminate team in Troy and we are lucky to have her! With Jenna's knowledge and patience, you will have a great experience as she guides you through the loan process. 

Outside of work, she spends her time with her amazing son Noah and the rest of their family. She looks forward to creating relationships with clients, as well as our business partners such as realtors and title agents, to help everyone achieve our clients’ homeownership goals!