Every Galaxy team member wants to earn and maintain your trust from the moment you contact us. We strive to communicate thoroughly and often, anticipate and prevent problems at every opportunity, and stay on top of the many changes in mortgage regulations and programs. Our banking relationships are strong and our commitment to you is unwavering.

Lending expertise and business success

Jay Luber, founder and president of Galaxy Lending Group LLC, is a mortgage industry veteran with 25 years in residential lending. Jay has held senior positions at Valley National Bank, Bank One, and North American Mortgage where he managed 10 offices and 250 employees funding $700 million in loans per year. In January 2000, Jay formed Lifestyle Lending Group LLC, which he grew into a successful mortgage lender serving metropolitan Phoenix. Satisfied customers rated Lifestyle Lending a “top ten mortgage banker” three years running in Ranking Arizona: The Best of Arizona Business, the state’s largest business poll published by Arizona Business Magazine. Jay sold his Company in 2005 to First Horizon Home Loans and stayed on for three years as a vice president.

The best loan and solid advice. Regardless of market ups and downs, Jay has built his reputation providing outstanding value to clients. He consistently sets high standards for fast, responsive, courteous service. You can count on the Galaxy team to do its best to serve you well! Please e-mail Jay your questions or comments so that we may continue to deliver a superior customer experience.

INVITE: Frequently interviewed and often quoted, Jay is widely recognized for his mortgage know-how and economic perspective. Contact Jay to speak at your company’s next meeting, workshop or conference.

Customer satisfaction and quality lending

Brad Stallings, vice president of Galaxy Lending Group LLC, offers 20 years of mortgage experience focused on giving every borrower the right loan and a positive experience. For the majority of his career, Brad managed the East Valley operation of First Horizon Home Loans. Under his leadership, Brad’s branch closed an average of $100 million in loans annually, with $40 million generated by Brad personally.

Customers come first. Providing the highest level of customer satisfaction is of paramount importance to Brad. His customers trust him and believe in his ability to provide the best financing at a competitive price. Brad joins a Galaxy team that shares his belief that the customer must always come first.

Commitment to closing your loan

Harold Perkins, licensed loan officer at Galaxy Lending Group LLC, began his career in the Arizona mortgage industry in 1998. A loyal employee, Harold held positions at just two companies in 13 years before making his move to Galaxy in 2011. Harold chose Galaxy because he wanted to join a small firm with a solid reputation where he could focus on giving clients personal attention and direction. A recent, happy client says it best: “I have never worked with a loan officer as dedicated and determined as Harold. He never gave up, even when we did. After we told him we are done pursuing this, he continued to explore our options. Harold got our loan approved and to say we were happy just doesn’t do it justice. Thanks for hiring such an amazing person. I have purchased five homes and have never been treated this good, ever!” At Galaxy, clients and colleagues all benefit from Harold’s expertise in federal and local mortgage regulations and his commitment to closing even the most difficult loan.

Loving husband and involved dad. Raised in Denver, Colorado, Harold moved to Phoenix in 1996 with his wife, a registered nurse. They have three wonderful kids. Harold’s oldest son is a blossoming cellist. His daughter is an energetic soccer star and his youngest son, an aspiring Obi-Wan Kenobi. In his free time, Harold plays hockey and loves to cook, but his true passion remains helping first-time buyers, experienced homeowners and investors purchase the homes of their dreams.

Depth of experience and a solid work ethic

Kim Kriel, senior loan officer at Galaxy Lending Group LLC, has worked in the mortgage industry for the past nine years. She began her career in lending as a loan officer for Lifestyle Lending Group, a mortgage banker. When Lifestyle Lending merged with First Horizon Home Loans, Kim was promoted to builder accounts manager. Kim oversaw new home financing for four Phoenix area builders including Maracay, Element, Tiffany, and Universal Homes. She and her team closed an average of 200 loans a year.

Communication and clarity. With a degree in economics, Kim understands the real estate industry and financial markets. As a former educator, she has the ability to simplify the loan application process and explain mortgage programs in terms her clients can understand. She is a seasoned specialist in government loan programs including FHA, VA, and USDA financing. Kim’s record of success is measured by her long list of satisfied borrowers.