NEO Home Loans-Tom Lubiewski Technology Dr, Lake St Louis

Tom was great from our first conversation to the closing table. We shopped around with other mortgage companies and Tom was the only one that discussed options for loans in detail and what would be best for my family. He even brought up questions/ things to consider that I never thought of. As much as I have going on in my life, it was nice knowing that Tom had my back. He explained everything so I can make the best decision. Unlike other loan officers that just said "yeah your pre-approved, happy house hunting", Tom went into detail. PLUS, neo home loans goes a step further with helping you achieve an attractive offer. (Which is vital for this crazy sellers market we are in 2022). Once I you get pre approved, they immediately start working on approval ( verification of income and so forth) so your financing is even stronger and stands out to sellers. AND Tom will call the sellers real estate agent (once you decide on a house) and explain your strong financing and the short closing window that is available! Communication was on point throughout the entire process and he was very easy to work with. This process was low stress with him and my real estate agent. This is my third time getting a mortgage; if I could go back and use Tom with Neo Home Loans for each time, I would! Just have one conversation with him and you'll see what I'm talking about.

Tom is who I cal the miracle worker. When others can’t Tom and USA mortgage can. When Tom gives explanation and timelines, he is diligent to keep them. He keeps us informed on all aspects of transaction so we are never confused or in doubt. You can never go wrong trusting Tom with one of the largest investments in your life.

Tom has a wealth of knowledge and determination to get the job done! Always keeping the customers priorities first while helping them navigate through the loan process! Great job!!

Tom was very Instrumental on walking me through the process. Very knowledgeable and thorough, I’m glad Tom assisted us on our home purchase.

Tom is second to none when it comes to working with a lender to buy a home. He was very attentive to our needs through the whole process. Thank you Tom

Tom helped my husband and I navigate a transition from Chicago to St. Louis. He was extremely responsive, honest and upfront with the process, answered every question we could possibly think of and made us feel completely at home in an unfamiliar city. I would recommend him 100% to anyone buying a house or considering using their home to accommodate changing financial goals. He’s a superstar in our book!

We were in need of a Re-Fi badly and we were referred to Tom. All I can say is WOW!! There were some hoops to jump through as our previous lender was in Mexico, but Tom and his staff worked very hard to get things done and it was an amazing experience!! Tom will be getting all of my future business and referrals!! Eric Trigg

I highly recommend using someone else to finance your home. Tom is rude and unprofessional. He missed multiple appointments because he had other meetings run late or he didn't hear his phone. Find someone else!

Tom is highly professional, knowledgeable and responsive. He goes above and beyond to look out for his clients best interests.

Tom is a great communicator and does a fantastic job of controlling the process from start to finish. Highly recommend him!