Headshot of Stephen Lutche

Stephen Lutche

Branch Manager

York, PA Mortgage Lender

NMLS #2192176

Adress
94-96 Theater Lane
York, PA 17402
Contact Methods
Email
tel Phone
717-524-5286
mobile Mobile
(443) 966-4122
fax Fax
717-814-5265
Apply Now

Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Top Workplace Scotsman Guide
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Stephen

Hi, I’m Stephen, and I’m excited to help you open the door to your dream home with America’s #1 Retail Mortgage Lender! Based in York, PA, I’m a long-time Harford County resident who loves getting involved in the community—what’s more rewarding than helping others make it their home? Whether you’re buying your first home or your next, I’m here to make your move as simple as possible. I’ll guide you through every step of the mortgage process, answer all your questions, and keep you updated on your loan’s progress, so you can feel confident from start to finish.

I believe the best way to find the right home financing is by listening to your goals and priorities. With access to a wide range of loans—from conventional and jumbo to FHA and VA—I’m committed to developing a mortgage plan tailored just for you. Let’s make your homeownership journey smooth, enjoyable, and successful!

Outside of work, I enjoy spending time with my family and catching up with friends.

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles

Blog

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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