**Loan Officer: Tom Lubiewski**
With 25+ years in real estate and banking, Tom Lubiewski of the Neo Home Loans, Lubiewski Mortgage Team, brings unparalleled expertise to your home financing journey. Starting his real estate career at 19, Tom quickly excelled, earning the President's Award for customer service in 2001. He transitioned to banking in 2003, mastering underwriting, processing, and sales to provide comprehensive guidance. Now leading a Neo Home Loans branch in St. Louis, Tom leverages his deep market knowledge and passion to streamline the loan process. He closely monitors economic trends to secure the best rates and products for his clients.