Name: Find the loan to fit your life
Address: 2555 Kingston Road Suite 230, York, PA, 17402
Rating: 4.98

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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Building trust, one borrower at a time.

Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.

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

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

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

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.

home equity insights

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

4.98 out of 5.0 stars

5.0

4.96

5.0

Wade

Oct 02, 2025

Red Lion, PA

Verified

No delays or glitches.

Betty

Sep 26, 2025

Flinton, PA

Verified

Great communication

Edward R

Sep 29, 2025

Verified

Tom Lutz is the best!

Edward

Sep 25, 2025

Baltimore, MD

Verified

Tom Lutz was patient, thoughtful, and accessible the entire process! Always gracious and professional!

Alicia

Sep 26, 2025

Dover, PA

Verified

Very pleasant and professional.

Gaynell

Sep 26, 2025

Flinton, PA

Verified

Tom and I got along well and we helped each other. Tom understood my stress level and was very accommodating!

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NMLS ID #135170

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

Select from hundreds of loan products tailored to your needs

Tom Lutz

Branch Manager

Apply Now