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Tom Lutz

Branch Manager

2555 Kingston Road, Suite 230, York, PA 17402
Own what matters

About Me

I have been in the mortgage industry for 23 years and have vast experience with VA, USDA, and FHA loans. In 2014, I joined the RMS family, and I am excited to continue helping my clients join the Guild Team. I also bring nine years of experience as a Real Estate Associate Broker. 

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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.

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5.0 out of 5.0 stars
Jan 13, 2023

What a knowledgeable and responsive Loan Officer.Could not have asked for a better agent !
Oct 11, 2021

From start to finish we were kept apprised of the status of our loan. Being able to upload documents to the website was a plus as we do not have a fax machine and the mail may have delayed our loan processing.
Jul 19, 2021

Tom couldn't have been more helpful and accessible. Always responded quickly and kept the process flowing effortlessly. It was a pleasure to work with him!
Jul 10, 2021

He was awesome!
Jun 11, 2021

Refinancing the home was a very easy process from start to finish. Tom was involved every step of the way providing updates and answers any questions or concerns I had. After closing he took time to reach out to ensue everything went smoothly and that I didn't have any additional questions. I'd highly recommend Tom and Residential Mortgage Services to anyone looking to buy or refinance their home as Tom and the entire team is very professional and knowledgeable.
Apr 11, 2021

Tom is the best very knowledgeable and extremely patient!!

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NMLS ID #135170
I am authorized to do business in the states of Delaware, Maryland and Pennsylvania.