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Find the loan to fit your life

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

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
5.0
4.94
5.0
Xavier
Mar 31, 2025
York, PA
Verified

Overall great experience!! 10/1
Cindy
Mar 31, 2025
York, PA
Verified

Tom is amazing to work with- Always on top of every detail!
James
Mar 31, 2025
York, PA
Verified

73 years old and needed guidance and that was exactly what I received. Tom did an amazing job.
Jane
Mar 31, 2025
York, PA
Verified

Tom Lutz is the BEST!!!
Amanda
Mar 03, 2025
Wrightsville, PA
Verified

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!
Judith
Jan 27, 2025
York, PA
Verified

Loan was approved quickly! Tom suggested i take an on line certificate class that helped me understand the process better and saved me money!

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Awards

Causes & Memberships

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