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Mortgage Home Loan

How the process works



There are a few critical documents we will need to verify to start your process.  Learn More


The appraisal insures the home you are buying is worth the price that is being offered. Learn More

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More


Signing the final documentation and receiving the keys to your new home! Learn More




Conditional Approval:

Clear to Close:



All About Lutz

Lutz, Florida

Lutz is an unincorporated census-designated place in Hillsborough County, Florida, United States. It is fifteen miles north of Tampa. The northern part of Lutz also makes up a portion of south Pasco County. The population was 19,344 at the 2010 census. Source

Things To Do In Lutz:

Come Spend A Day In Lutz!

With a wide range of stores from Disney to Nike, Tampa Premium Outlets is a go-to center for shopping. From fast fashion to luxury brands, the mall boasts over 100 stores to choose from, with many offering exclusive outlet prices you can’t find in regular retail. Designed around a modern beach theme, the mall is complete with several sitting areas, palm trees, and peaceful fountains placed throughout the complex. After a day of shopping, visitors can choose from a selection of quick-service restaurants, such as McDonalds and Johnny Rockets, or sit down for a nice meal at BJ’s Restaurant Brewery or Longhorn Steakhouse. The mall is located just off of I-75 and is 20 miles (32 kilometers) north of downtown Tampa. Source

Education in Lutz

About Lutz Educational System

Lutz Elementary School is a public school located in Lutz, FL, which is in a large suburb setting.The student population of Lutz Elementary School is 639, and the school serves PK-6.At Lutz Elementary School, 61% of students scored at or above the proficient level for math, and 66% scored at or above that level for reading.
The school’s minority student enrollment is 42%.The student-teacher ratio is 15:1, which is better than that of the district.
The student population is made up of 48% female students and 52% male students.The school enrolls 48% economically disadvantaged students.There are 42 equivalent full-time teachers and 1 full-time school counselor. Source

Lutz Image Gallery

History of Lutz:

Lutz is rich in history!

Lutz grew rapidly in the late 1940’s and 1950’s thanks in part to town boosters. In 1948, its proximity to Tampa was a distinct advantage: “The phenomenal growth of the Lutz area is due to its friendly community, its beautiful lakes, its civic and church life and its location so close to the metropolis of Tampa that it offers every pleasure of country life yet has the advantages of the city.” In the late 1950’s the Dale Mabry extension was built to connect with US 41 just south of Land O’ Lakes.  For years, its construction through the northern rural areas of Hillsborough and Pasco Counties was held up by the Geraci family who protested that it would split their pasture.  Ultimately, a compromise was reached and an overpass was built to let their cows pass underneath. Source

Lutz’s Neighborhood

Check out Lutz’s Neighborhood

Lutz is a medium-sized town located in the state of Florida. With a population of 20,759 people and 16 constituent neighborhoods, Lutz is the 132nd largest community in Florida.

Housing costs in Lutz are among some of the highest in the nation, although real estate prices here don’t compare to real estate prices in the most expensive communities in Florida.

Lutz is a decidedly white-collar town, with fully 86.81% of the workforce employed in white-collar jobs, well above the national average. Overall, Lutz is a town of professionals, sales and office workers, and managers. There are especially a lot of people living in Lutz who work in management occupations (13.51%), office and administrative support (11.82%), and sales jobs (11.29%). Source

Christopher White

Loan Officer  //  NMLS #1442627

Whether you are a seasoned real estate investor or a first-time homebuyer, we know what it is like to apply for a mortgage and we strive hard never to forget that feeling. We’re excited for the opportunity to earn your trust by offering the right mortgage for your unique financial scenario, providing competitive & fair pricing, and by making sure you are properly communicated to so you have the information you need to know. 551-0651
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