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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, my goal is to tailor a loan solution that fits your unique needs.Read more

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, 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 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 home financing, I invite you to start here online for preapproval or a mortgage application - just click on the apply now button. 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.

Awards

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Causes and Memberships

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Testimonials

4.97 (116 reviews)
Zillow logo
5.0
Facebook logo
5.0
Experience logo
4.9
Google logo
5.0
Third party logo
5.0
Tom Lutz is great to work with. We used him in the past and he did a phenomenal job.
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James V.

July 29, 2026

Tom is awesome to work with. He replies very quickly and keeps you updated on everything, as it happens.
Experience logo
James

July 29, 2026

York, PA

Ready to get started?

Get in touch to discuss your home financing goals and explore next steps together.

Office Hours

Monday - Friday

Saturday

Sunday

8:00AM - 5:00PM

CLOSED

CLOSED

Monday - Friday

8:00AM - 5:00PM

Saturday

CLOSED

Sunday

CLOSED

NMLS ID #135170

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

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Find the loan that works for you

See what we offer

Whether you’re buying your first home, exploring down payment assistance, relocating for military service or purchasing in a high-cost market, Guild offers a range of loan programs designed to meet different needs and situations.

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