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Proudly serving clients across NJ, AL, AR, AZ, CA, DE, FL, GA, IL, IN, MD, MI, NC, OH, PA, SC, TX, VA
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 4.5 out of 5.0 from Encompass It went well for most part. No complaints JeffreyPunta Gorda, FL May 18
It went well for most part. No complaints
Rating: 5.0 out of 5.0 from Encompass Made everything very simple easy to work with AlexManville, NJ Apr 16
Made everything very simple easy to work with
Rating: 5.0 out of 5.0 from Encompass Matthew & Team were extremlely knowlegable and accomdating throughout the refinance process. I will most definitely will recommend Mathew Lugas to friends and family for their upcoming home purchases or refinancing needs. SamariaAlbany, GA Apr 10
Matthew & Team were extremlely knowlegable and accomdating throughout the refinance process. I will most definitely will recommend Mathew Lugas to friends and family for their upcoming home purchases or refinancing needs.
Rating: 5.0 out of 5.0 from Encompass This was my second time working with Matt and team, because their help is friendly, prompt, and the rates are considerably better than their competitors -- very happy and highly recommend. John FYORKTOWN, VA Mar 31
This was my second time working with Matt and team, because their help is friendly, prompt, and the rates are considerably better than their competitors -- very happy and highly recommend.
Rating: 5.0 out of 5.0 from Encompass Quick and clear communication Mark TylerSwansboro, NC Mar 23
Quick and clear communication
Rating: 5.0 out of 5.0 from Encompass The treatment, the professionalism , the touch of kindness and the effort to help with a situation that no other company tried to achieve. I'll neve forget this group and specially Matt. From the bottom of my hart THANK YOU!! MagallyATHENS, GA Mar 11
The treatment, the professionalism , the touch of kindness and the effort to help with a situation that no other company tried to achieve. I'll neve forget this group and specially Matt. From the bottom of my hart THANK YOU!!
Rating: 4.2 out of 5.0 from Encompass Answering phone calls MatthewFELTON, DE Mar 06
Answering phone calls
Rating: 5.0 out of 5.0 from Encompass I felt respected and understood from the very first conversation I had. I knew what my end goal was with refinancing my home and I am appreciative that Matthew took the time to listen and work with me and come up with a plan. The process was fast, transparent and easy. MagenNAPERVILLE, IL Feb 20
I felt respected and understood from the very first conversation I had. I knew what my end goal was with refinancing my home and I am appreciative that Matthew took the time to listen and work with me and come up with a plan. The process was fast, transparent and easy.
Rating: 5.0 out of 5.0 from Encompass Very responsive team - the process is also explained to the customer very well every step of the way. Edward CSunset Beach, NC Feb 16
Very responsive team - the process is also explained to the customer very well every step of the way.
Rating: 5.0 out of 5.0 from Encompass fast and professional , always ready to help if i had qwestions JonathanCONOVER, NC Feb 06
fast and professional , always ready to help if i had qwestions
Rating: 5.0 out of 5.0 from Encompass Constant and quick communication, along with the ease of the tasks required on my part. Justin OKeefeNEWTOWN SQUARE, PA Dec 29
Constant and quick communication, along with the ease of the tasks required on my part.
Rating: 5.0 out of 5.0 from Encompass Clear cut prompt communication HeatherDEPTFORD, NJ Dec 10
Clear cut prompt communication
Rating: 5.0 out of 5.0 from Encompass Client focused, friendl, and diligently worked to provide the lowest rate on the market. The team enabled and fast and simple refinancing experience. Highly recommend and will be a returning client. Thank you! John F.RALEIGH, NC Dec 05
Client focused, friendl, and diligently worked to provide the lowest rate on the market. The team enabled and fast and simple refinancing experience. Highly recommend and will be a returning client. Thank you!
Rating: 5.0 out of 5.0 from Encompass Matt is excellent. Super communicative and very responsive. AlexanderMalvern, PA Dec 03
Matt is excellent. Super communicative and very responsive.
Rating: 5.0 out of 5.0 from Encompass Friendly easy going approachj Jennifer C.Mims, FL Dec 01
Friendly easy going approachj
Rating: 5.0 out of 5.0 from Encompass We love working with Matt. Relationships are extremely important to us and we trust Matt . GwendolynMalvern, PA Dec 01
We love working with Matt. Relationships are extremely important to us and we trust Matt .
Rating: 5.0 out of 5.0 from Encompass Matt and Lisa were very easy to work with. They went above and beyond to ensure this was an easy process. Would highly recommend! Tamara L.GALENA, OH Nov 21
Matt and Lisa were very easy to work with. They went above and beyond to ensure this was an easy process. Would highly recommend!
Rating: 5.0 out of 5.0 from Encompass Mat made this process easy I had a very bad experience with rocket and he listen to me and gave me good advice and more options I could look in to moving forward.. he is great and iam thankfull I answered he call. Horace R.COLUMBIA STATION, OH Nov 21
Mat made this process easy I had a very bad experience with rocket and he listen to me and gave me good advice and more options I could look in to moving forward.. he is great and iam thankfull I answered he call.
Rating: 5.0 out of 5.0 from Encompass Matt was awesome and answered all of our questions without being pushy at all. It was a seamless experience!!! Jeffrey BrendanHISTORIC NEW CASTLE, DE Oct 14
Matt was awesome and answered all of our questions without being pushy at all. It was a seamless experience!!!
Rating: 5.0 out of 5.0 from Encompass Matthew is what made the whole experience great. Matthew is such a pleasant young man who was very professional and really took his time to explain things I didn't understand. He always made me feel that he was looking out for my best interests. I had consulted 5 other companies before selecting Annie Mac and Matthew was the whole reason I went ... Maureen L.LAKEWOOD, CA Oct 13
Matthew is what made the whole experience great. Matthew is such a pleasant young man who was very professional and really took his time to explain things I didn't understand. He always made me feel that he was looking out for my best interests. I had consulted 5 other companies before selecting Annie Mac and Matthew was the whole reason I went ...
Rating: 5.0 out of 5.0 from Encompass Matthew and his team is very helpful they answer every question I had n help me with the process of refinancing my Alfred JerryWILMINGTON, DE Oct 05
Matthew and his team is very helpful they answer every question I had n help me with the process of refinancing my
Rating: 5.0 out of 5.0 from Encompass Matthew communicated throughout the process and through the hiccups. Yvonne C.INDIANAPOLIS, IN Sep 03
Matthew communicated throughout the process and through the hiccups.
Rating: 5.0 out of 5.0 from Encompass Matt was very helpful and easy to work with. CarynTEMPE, AZ Mar 27
Matt was very helpful and easy to work with.
Rating: 5.0 out of 5.0 from Encompass Great staff worked through all the issues sn patient Craig ALatrobe, PA Mar 11
Great staff worked through all the issues sn patient