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  • 94-96 Theater Lane York, PA 17402 Mobile (443) 966-4122 Tel (717) 524-5286 Stephen.Lutche@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Stephen Lutche

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  • Originating Branch Manager
  • York, PA Mortgage Loan Officer
  • NMLS #2192176
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Dedicated to getting it done

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.

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Inspiration for your home loan journey

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Frequently asked questions

  • Los costos de refinanciamiento generalmente oscilan entre el 2 % y el 6 % del monto del préstamo e incluyen cargos como tasación, seguro de título y costos de cierre. Factores como el tipo de préstamo, la ubicación y el puntaje de crédito pueden  afectar significativamente  estos gastos. Nuestro equipo puede ayudar a proporcionar estrategias  que  pueden ayudar a minimizar los costos.

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