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
Tom is a great communicator. keeps everone up to date . Stays on top of the processing to make sure we close on time. We were ready days before settlement. He's one of the best in the business,
Communication is key to these transactions I had no doubt tom would meet those needs
Tom was always quick to respond to any needs and just great to work with all around
Quick response time even on evenings and
Tom Lutz was very patient in helping me get to settlement & close. Very appreciative..
Tom Lutz is always on top of everything!
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