Select from hundreds of loan products tailored to your needs
About me
With 30 years of experience in the mortgage industry, I am dedicated to providing you with the best options in home financing. Whether you’re looking to purchase a new property or refinance your current home, my goal is to tailor a loan solution that fits your unique needs.
Our experienced team is committed to ensuring a smooth process from start to finish, on-time settlements and a hassle-free experience. We understand that every client’s situation is different, and we pride ourselves on our ability to offer personalized service and expert advice.
If you’re ready to take the first step towards securing your home financing, I invite you to start here online for preapproval or a mortgage application—just click the ‘Apply Now’ button above. Alternatively, if you prefer a more personal touch, feel free to give me a call. We can discuss your options by phone or arrange a meeting to explore the best path forward for your financial journey.
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Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
Down payment assistance
FHA
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
home equity insights
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Testimonials
I have worked with Tom Lutz when I first bought a house. When I had to refiance the home in my name I knew I was going to call Tom lutz again. He is great to work with, is kno and was able to find me the best rate for me. Thank you again Tom!
Loan was approved quickly! Tom suggested i take an on line certificate class that helped me understand the process better and saved me money!
Fernande Cesaire
My buyers were very satisfied with Tom's communication throughout the process. They stated that he makes everything easy for them to understand and guides them throughout. They always comment on Tom's integrity and how they feel they can trust him.
Tom Lutz and team always go above and beyond with customer service Always a great experience Incredibly knowledgeable too
Tom did an amazing job from start to finish. He took the time to answer all of my questions and was very responsive.
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