lwagner@houseloan.com
253-677-2663
Luke Wagner
Buying a home or exploring a refinance? Connect with Luke to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Luke
Luke is registered to lend in 44 states + DC. He and his family live in both Eatonville, Washington and Bulls Gap, Tennessee as they bounce back and forth to see family, friends, and work partners.
When in East Tennessee, they live near historical Greeneville, Tri-Cities, Morristown, Cherokee Lake, and Douglas Lake. Their family enjoys Knoxville, Sevierville, Pigeon Forge, and Gatlinburg in Tennessee. Their favorite thing about the area (outside of their family being there, of course) is the beautiful rolling green hills and the Smokie Mountains.
In Washington, they are south of Seattle and near Mt. Rainier. They enjoy the rural life and being submerged in nature. The Luke Wagner Team has offices in Puyallup, Washington, and Greeneville, Tennessee, where you’ll find Luke’s assistant, Patty Schibig, and processor, Shara Hovde.
What clients say about Luke
I've known Luke for over 20 years, so when I decided to purchase my condo, choosing him as my lender was an easy decision. At the beginning, I was hesitant to even start the process of finding out what I might qualify for. Luke encouraged me to take that first step and helped get the ball rolling in a friendly, supportive way. That encouragement made a real difference. Buying a condo can be overwhelming, and I found myself second guessing decisions and wondering how people navigate such a complicated process. Honestly, I can't imagine going through it with someone I didn't already know and trust. Having Luke in my corner made all the difference. He made the process feel easy and manageable. He was always available when I had questions or concerns, and made me feel supported every step of the way. I'm so grateful for his professionalism, guidance, and friendship, and I'd recommend Luke to anyone looking for a lender.
I've known Luke for over 20 years, so when I decided to purchase my condo, choosing him as my lender was an easy decision. At the beginning, I was hesitant to even start the process of finding out what I might qualify for. Luke encouraged me to take that first step and helped get the ball rolling in a friendly, supportive way. That encouragement made a real difference. Buying a condo can be overwhelming, and I found myself second guessing decisions and wondering how people navigate such a complicated process. Honestly, I can't imagine going through it with someone I didn't already know and trust. Having Luke in my corner made all the difference. He made the process feel easy and manageable. He was always available when I had questions or concerns, and made me feel supported every step of the way. I'm so grateful for his professionalism, guidance, and friendship, and I'd recommend Luke to anyone looking for a lender.
Luke and his team made the impossible a reality for my family we are forever grateful, for the opportunity to build a better future for my family thank you again for all the hard work Luke and team
As a first-time homebuyer, I couldn’t have asked for a better experience. Luke went above and beyond to make sure I understood every step of the process. He took the time to explain my different loan options, compare them with me, and make sure I understood the pros and cons so I could make the best decision for my situation. Buying your first home can be overwhelming, but he was patient, knowledgeable, responsive, and always willing to answer my questions. I never felt like I was just another client—he genuinely cared about helping me get into my home and did everything he could to make the process as smooth as possible. I’m extremely grateful for all of his help and would absolutely recommend him to anyone looking to purchase a home, especially first-time homebuyers!
Luke Wagner provided amazing support and finesse in our home buying process! Would definitely recommend Cornerstone/Luke Wagner to friends and family.
Luke was fantastic with helping us with any and all questions we had during this process!!
Cornerstone Home Lending is great and amazing!
Luke was easy to work with and very communicative. Responded frequently and answered every question thoroughly to ensure our understanding. Cannot thank or recommend him enough !
Luke did a great job and I appreciated how he was so helpful.
Luke did a really good job of making things go as smoothly as they could. I appreciated his input and help along the way.
Luke was fantastic and walked us through every scenario. He followed up when he said he would. HIGHLY RECOMMEND
Luke was on top of things for our business property refinance. Even with delays, on our part, he jumped through many hoops to get the job done. Plus, he is a great communicator, he actually answers his phone! I would definitely recommend him for all your business loan needs.
Let’s connect
Contact Luke
Share a little about your plans and how to reach you.
Office locations
Suite 2
Greeneville, TN 37745
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Luke today.
