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Select from hundreds of loan products tailored to your needs

Tom Lutz

Tom Lutz

Branch Manager

2555 Kingston Road, Suite 230, York, PA 17402
Own what matters
Own what matters

About Me

I have been in the mortgage industry for 23 years and have vast experience with VA, USDA, and FHA loans. In 2014, I joined the RMS family, and I am excited to continue helping my clients join the Guild Team. I also bring nine years of experience as a Real Estate Associate Broker. 

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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

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

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

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.

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Testimonials

Testimonials
4.98 out of 5.0 stars
5.0
5.0
4.93
5.0
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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Awards

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Causes I'm
passionate about

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NMLS ID #135170
I am authorized to do business in the states of Delaware, Florida, Maryland and Pennsylvania.