Ambler, PA 19002 · Branch NMLS #1814379
Louis Tulio
VP / Senior Mortgage Consultant · Centennial Lending Group
Helping Pennsylvania families and homebuyers across 12 states navigate the mortgage process — with clarity, honesty, and zero unnecessary stress.
Your mortgage, simplified.
Whether you’re purchasing your first home or refinancing to lower your rate, you deserve a mortgage consultant who puts your financial interests first — not the fastest closing or the biggest commission.
“My top priority is to find the best loan product for your financial situation while providing the highest level of customer service.”
With decades of experience helping homebuyers throughout Pennsylvania, New Jersey, Florida, Virginia, and across the country, Louis Tulio has built a reputation on honesty, responsiveness, and results. His clients don’t just close — they close with confidence.
Philadelphia Magazine
100,000+ Loan Officers
Originate Mortgages
2016 – 2025
Loan solutions for every situation.
From first-time buyers to seasoned investors, Louis Tulio offers a full spectrum of mortgage products tailored to your unique financial picture.
Home Purchase
First-time buyer or moving up? Get pre-approved fast and close with confidence. Louis handles every step from application through closing with clear communication throughout.
Mortgage Refinance
Lower your rate, shorten your term, or access your home equity with a cash-out refinance. Louis will run the numbers to ensure refinancing genuinely improves your situation.
FHA & VA Loans
Government-backed FHA loans with low down payments, and VA loans for veterans and active-duty military. Louis will help you determine eligibility and maximize your benefits.
Investment Property
Financing for single-family and multi-unit investment properties. Expert guidance on loan structuring to maximize returns while maintaining responsible debt ratios.
Rate Lock Strategy
Worried about rate movement? Louis explains your rate lock options in plain English and helps you decide when and how to lock in a rate that protects your payment.
Pre-Approval
Know your buying power before you shop. A fast pre-approval so you can make confident, competitive offers in any market.
A proven track record.
Consistent recognition from industry groups and clients for outstanding service, loan volume, and results.
Five Star Mortgage Professional
13 consecutive years featured in Philadelphia Magazine — one of the most respected peer-nominated awards in the mortgage industry, based entirely on client satisfaction.
Top Originator – Scotsman Guide
Named a Top Originator by Scotsman Guide, one of the most respected rankings in the mortgage industry, recognizing high-volume originators across the country.
Customer Satisfaction Leader
Ranked in the top 1% for customer satisfaction among more than 100,000 loan officers across the country — a testament to consistent, client-first service.
Top Producer — CLG
Five-time Top Producer at Centennial Lending Group, reflecting high loan volume, strong client outcomes, and consistent performance year over year.
From first call to closing day.
A simple, transparent four-step process designed to keep you informed and stress-free at every stage.
Consultation
We discuss your goals, timeline, and financial picture to define the right loan strategy.
Pre-Approval
Quick pre-approval establishes your budget so you can shop and offer with confidence.
Application
Secure online application. Louis guides you through every document and keeps things moving.
Closing
Clear updates through underwriting and closing. No surprises — just keys in hand.
What clients are saying.
Real feedback from real homeowners — see why clients trust Louis with their most important financial decisions.
Common mortgage questions, answered.
Answers to the questions homebuyers and refinancers ask most often.
What states does Louis Tulio originate mortgages in?
Louis is licensed in 12 states: Arizona, California, Colorado, Delaware, Florida, Georgia, Maryland, New Jersey, Pennsylvania, South Carolina, Texas, and Virginia. He is licensed by the NJ Department of Banking and Insurance.
What types of home loans does Louis offer?
Louis offers conventional purchase loans, mortgage refinancing (rate-and-term and cash-out), FHA loans, VA loans for eligible veterans, investment property financing, and jumbo mortgages. He can help identify the right loan product for your specific financial situation.
How do I get pre-approved for a mortgage?
You can start the pre-approval process by calling Louis directly at (215) 620-6303, or by beginning your online application at successexpress.app. Pre-qualification is fast, free, and requires no commitment — it simply establishes how much home you can afford.
What is Louis Tulio’s NMLS number?
Louis Tulio’s individual NMLS number is 76097. The branch NMLS number is 1814379. You can verify his license at nmlsconsumeraccess.org.
What awards has Louis Tulio received?
Louis has won the Five Star Mortgage Professional Award 13 consecutive times (2014–2026), been named Top Producer at Centennial Lending Group five times (2016–2020), and is ranked in the top 1% for customer satisfaction among over 100,000 loan officers nationwide.
Does Louis Tulio offer VA loans in Pennsylvania and New Jersey?
Yes. Louis is licensed in both Pennsylvania and New Jersey and actively originates VA loans for eligible veterans and active-duty military in both states. He will walk you through eligibility requirements, entitlement, and funding fee details at no obligation.
How long does the mortgage process take?
A typical mortgage from application to closing takes 30–45 days, though purchase timelines depend on your contract. Louis prioritizes communication at every stage so there are never surprises at the closing table.
What is the minimum down payment for a home purchase?
Down payment requirements vary by loan type: FHA loans require as little as 3.5%, conventional loans can start at 3–5%, and VA loans for eligible veterans require no down payment. Louis can help you compare options based on your situation.
Ready to get started?
Reach out by phone, email, or the form. Louis responds same business day and is available by phone or text at your convenience.
- 1126 Horsham Road, Ambler, PA 19002
- www.LTulioCLG.com
- Send a Message
Licensed in AZ, CA, CO, DE, FL, GA, MD, NJ, PA, SC, TX, VA.
Licensed by the NJ Dept of Banking and Insurance.
Georgia Residential Mortgage Licensee #55934.
Georgia Residential Mortgage Licensee #36474 (Success Mortgage Partners).
Centennial Lending Group powered by Success Mortgage Partners, Inc · NMLS #130562.
Supports Equal Housing Opportunity.
Licensing Information
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Texas Recovery Fund Disclosure