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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. 

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.

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Home equity insights

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Testimonials

The rating and reviews below represent my top reviews.
4.98 out of 5.0 stars
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5.0
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5.0
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5.0
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5.0
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5.0
Edward R.
Dec 2, 2025
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Tom Lutz is the best!
Ashley
Nov 7, 2025
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Tom was very helpful and answered any questions we had. he was always quick and easy to get ahold and ...See more
James
Nov 2, 2025
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Tom made it easy
Anne
Oct 4, 2025
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In my experience, Tom Lutz was the perfect example of professionalism . He answered all my questions or con...See more
Jenni
Oct 2, 2025
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Tom Lutz is the best always going the extra mile always easy to contact and always gets the job done!
Jane
Oct 2, 2025
Experience logo
Tom is what makes it GREAT!!! He is a true professional.

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Awards

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Causes & Memberships

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NMLS ID #135170

I am authorized to do business in the states of Delaware, Florida, Maryland and Pennsylvania.

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