Matthew Lugas - AnnieMac Home Mortgage
Mortgage Loan Originator | NMLS # 169220
Matthew understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why he is committed to guiding you every step of the way, ensuring you're informed and empowered througho...... Show More
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Business Hours
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9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
Matt was very helpful in getting us what we needed. communication was great. very pleased with how things got done. thanks Matt.
Terrible communication. No preemptive explanation or guidance. Things only got done when I pushed. Days would go by without answers sometimes. One of them took a vacation without setting up an email responder, so left me and my agent in the...
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It went well for most part. No complaints
Reply from Matthew Lugas
May 18th, 2026 07:49 PM
I'm glad to hear that things went well for the most part, Jeffrey. If there's anything specific you'd like to discuss or need assistance with in the future, please feel free to reach out.
Made everything very simple easy to work with
Reply from Matthew Lugas
April 16th, 2026 08:15 PM
I'm happy to know that you found the process simple and easy to work with, Alex. Making things straightforward for my clients is always a priority. If you have any more needs or questions in the future, feel free to reach out.
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.
Reply from Matthew Lugas
April 10th, 2026 04:21 PM
I'm pleased to hear that you found our team knowledgeable and accommodating during your refinance process, Samaria. Recommendations from clients like you really do mean a lot to me. If any questions arise or there's more I can assist with,...
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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.
Reply from Matthew Lugas
March 31st, 2026 02:04 PM
I truly appreciate your feedback, John. It's wonderful to hear that you found our assistance friendly and prompt, and that the rates met your expectations. Being able to work with you for a second time is quite meaningful to me. Thank you for...
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Quick and clear communication
Reply from Matthew Lugas
March 23rd, 2026 06:23 PM
I'm glad to hear that you found the communication quick and clear, Mark. Ensuring everything is straightforward and timely is essential to me. If you need any further assistance or have questions, please don't hesitate to get in touch.
Answering phone calls
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!!
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Reply from Matthew Lugas
March 11th, 2026 04:49 PM
Your kind words mean a lot, Magally. I'm truly grateful that you felt the professionalism, kindness, and dedication in handling your situation. Helping in ways others might not have was important to me, and I'm heartened that it made a difference...
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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...
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Reply from Matthew Lugas
February 20th, 2026 02:23 PM
I'm pleased to know that you felt respected and understood throughout our conversations, Magen. Listening to your goals and working together towards a plan that suits your needs is something I prioritize highly. It's great to hear that the...
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About
Matthew understands that purchasing or refinancing a home is one of the most significant financial decisions you'll ever make. This is why he is committed to guiding you every step of the way, ensuring you're informed and empowered throughout the process. With a comprehensive background in various mortgage lending facets, Matthew is equipped to assist with diverse needs—whether you're a first-time homebuyer, seeking a new home, or exploring refinancing options. Specializing in Conventional, Jumbo, FHA, VA, USDA, and Renovation loans, his goal is to find not just any loan, but the perfect one for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Specialities
Conventional
FHA
USDA
VA Loans
Jumbo
Non-QM
Cash Offers
Renovation 203k
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222
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Year Started
2011
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS # 169220
Disclaimer
©2026 American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage). Corporate NMLS# 338923 (http://www.nmlsconsumeraccess.org/). AnnieMac Home Mortgage is an Equal Housing Opportunity. For a complete list of our licensed states visit: https://annie-mac.com/licensing. American Neighborhood Mortgage Acceptance Company LLC (dba AnnieMac Home Mortgage) is not affiliated with the U.S. Department of Veteran’s Affairs, the U.S. Department of Housing and Urban Development, the U.S. Department of Agriculture, or any other Federal Government Agency.