About Matthew
Proudly serving clients across NJ, AL, AR, AZ, CA, DE, FL, GA, IL, IN, MD, MI, NC, OH, PA, SC, TX, VA
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Borrower Testimonials
Many obstacles had to be overcome in order for the loan to go throug, very trying for us at times, but Matt was able to steer us through some challenging steps of what became a 4 month proces, but we closed an are happy with the result
Matt was very professional and informative
Communication throughout the buying process was helpful and prompt. Thank you so much for helping me purchase a home!
Good Communication and timlet response
Matthew was recommended by my daughter. I'm glad she did as he is truly a professional with the home loan process. I have heard purchasing a home can sometimes be a rollercoaster ride with surprises at the end, but I did not have that experience. Matthew made my home purchasing experience a seemless process,. Thank you
Made sure I got the best
Matt was very helpful in getting us what we needed. communication was great. very pleased with how things got done. thanks Matt.
It went well for most part. No complaints
Made everything very simple easy to work with
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.
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.
Quick and clear communication
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!!
Answering phone calls
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.
Very responsive team - the process is also explained to the customer very well every step of the way.
fast and professional , always ready to help if i had qwestions
Constant and quick communication, along with the ease of the tasks required on my part.
Clear cut prompt communication
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!
Matt is excellent. Super communicative and very responsive.
Friendly easy going approachj
We love working with Matt. Relationships are extremely important to us and we trust Matt .
Matt and Lisa were very easy to work with. They went above and beyond to ensure this was an easy process. Would highly recommend!
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.
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