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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.

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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

For illustrative purposes only. Guild Mortgage is not affiliated with Homebot. Clicking the above links redirects to Homebot controlled sites.

Testimonials

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

4.98 out of 5.0 stars

5.0

4.93

5.0

Fernande

Aug 10, 2024

Verified

Fernande Cesaire

Donna

Dec 26, 2023

Verified

My buyers were very satisfied with Tom's communication throughout the process. They stated that he makes everything easy for them to understand and guides them throughout. They always comment on Tom's integrity and how they feel they can trust him.

Jenni

Nov 27, 2023

Verified

Tom Lutz and team always go above and beyond with customer service Always a great experience Incredibly knowledgeable too

Adam

Nov 27, 2023

Verified

Quick response time and helpful at explaining any questions or scenarios.

Matthew

Jan 08, 2024

Verified

Great communication with experienced professionals.

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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

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