Mortgage Experience You Can Put to Work
Buying a home is personal. Your financing should be, too.
With 24 years in banking and lending, Stephen Neary has built his career in central Kentucky around helping people find a way forward.
From home purchases and investment properties to second homes, self-employed income, and tight closing timelines, he brings the experience to spot potential challenges early and keep the process moving.
Clients and real estate partners know Stephen for being laid back in conversation and serious about the details. You'll get straight answers, clear explanations, and responsive communication when it matters most.
>> Our Team
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!
Stephen Neary
Mortgage Loan Originator | NMLS# 426947
Twenty four years in banking and lending will teach you one thing above everything else: a mortgage is never really about the mortgage. It's about the young couple stretching to get into the school district they want. The investor closing on door number four. The family who got told no somewhere else and assumed that was the end of the story.
Stephen has built his career in central Kentucky on being the guy who figures it out. Home purchases, investment properties, second homes, self employed income, tight closing dates, he has almost certainly seen your situation before, and he knows where a file is likely to get stuck long before it actually does. That's the difference between a loan that closes on time and a loan that keeps everyone up at night.
Clients and realtor partners describe him the same way: laid back in conversation, serious about the details. You'll get straight answers instead of jargon, a real explanation of your options, and a phone that gets answered on a Saturday when the offer deadline is Sunday.
Outside the office, Stephen is usually on his Harley somewhere in the Bluegrass, planning the next trip with his wife, cheering on his kids at UK, or getting outvoted by Dakota, the family golden doodle, on where the walk is headed.
If you want a lender who treats your loan like it matters, because it does, reach out to Stephen and Team Neary at Luminate Bank. Let's get you home.
