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 Lutz is always on top of everything!
Tom Lutz is always on top of everything! Thank you so much!
Working with Tom was a seamless experience from start to finish. His communication was consistently clear, timely, and professional—making sure I was informed at every step. Highly recommend Tom for anyone looking for a dependable and knowledgeable mortgage professional!
Everything was done and processed in a timely manner and I was always kept informed
Tom knowledge about he buyers needs was very helpfull to my buyer
Tom was so patient with all of my questions. He explained every step of the process along the way so we always knew what to expect. His responsiveness was excellent as well.
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