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 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.
Working with Tom Lutz was a truly outstanding experience. From the beginning of the mortgage process to closing, his professionalism, responsiveness, and attention to detail were top-notch. What made the experience even better was how seamlessly He worked with me—there was constant communication, no delays, and everyone was always on the same page. Tom Lutz made a complex process feel simple and stress-free. He explained everything clearly, kept me updated at every step, and ensured everything moved forward smoothly and on time. His teamwork with me helped make the whole home-buying experience feel coordinated and efficient. I highly recommend Tom Lutz to anyone looking for a dependable, communicative, and knowledgeable mortgage professional. It is truly a 5-star experience.
Tom was amazing to work with through our entire process of buying our home. Great communication, answered all of our questions and explained what we didn’t understand. Highly recommend!
Great experience for myself as the listing agent. Tom represented the buyer on the transaction.
great communication and answer your phones and emails
Overall great experience!! 10/1
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