About

Will Szilagyi

Senior Loan Officer, Luminate Bank

NMLS #1792018 · Luminate Bank NMLS #1281698 · Nampa, Idaho

I originate residential mortgages in 47 states, with a particular focus on first-lien HELOCs and the velocity banking strategy this site is built around. Alongside that, much of my work is DSCR investor loans and financing for self-employed borrowers — the two categories where the paperwork rarely fits the standard box.

I work with my wife Susan Szilagyi (NMLS #2310813) as the Ziggy Team. Between us we have 63 published client reviews across Experience.com and Google, from clients in more than 25 states.

This calculator exists because most velocity banking material online is sold rather than explained. It is built to give an honest answer — including telling you the strategy is a poor fit when it is, which happens more often than the marketing suggests.