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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
- saturday: 8:00AM – 5:00PM
- sunday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Stephen Lutche
- Originating Branch Manager
- York, PA Mortgage Loan Officer
- NMLS #2192176
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.
Guides and resources
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.
Stephen’s testimonials
Inspiration for your home loan journey
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.