Meet the Partners

Joseph Galayda – Partner

Joe Galayda has been a professional in the mortgage lending industry for over 23 years. He earned his B.A. in Finance from Lycoming College and is a NJ Licensed Mortgage Banker, a member of the Mortgage Bankers Association. He is responsible for the operation and management of our Westfield Branch office.



Spence Killam – Partner

Spence Killam is the Director of Operations at Millenium Home Mortgage. He was a former Vice President of New Jersey Mortgage Banker, a wholly owned subsidiary of a NASDAQ traded firm where he was on the Board of Directors. Spence has been in the mortgage lending field for over 20 years. He holds licenses as a Mortgage Banker, A Secondary Mortgage Lender, and has Delegated Underwriting Authority from HUD for FHA lending practices.




Marc Schutzbank – Partner

Marc Schutzbank is a Certified Public Accountant and has been a professional in the banking and finance industry for over 25 years. Marc heads up the portfolio bank division at Millenium and is responsible for the operation and management of the Middlesex Branch office. Prior to joining Millenium, Marc spent eight years as a Senior Loan Officer with First Savings Bank in Woodbridge, NJ. In addition, he has a long work history in banking administration and accounting. Marc holds a B,S, degree in Accounting from George Washington University and is certifed with various state CPS’s and the AICPA’s.