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Tom Lubiewski

Get to Know Tom Lubiewski


Tom Lubiewski brings over 25 years of experience in real estate and banking to the Neo Home Loans, Lubiewski Mortgage Team. He first made strides in the real estate market boom in the late 90’s into the early 2000’s. He obtained his real estate license at only 19 years of age and helped many homeowner’s achieve their dream of home ownership. He received the President’s Award for customer service excellence from Gordon Gundaker in 2001. From the beginning, he focused on customer relationships, marketing and building his knowledge in every aspect of the real estate market. Which led him into banking. He began with a “big bank” in 2003 and held many positions in underwriting, processing management and sales. His goal was to be extremely versed and knowledgeable to better serve his customers and be able to explain and guide them through every aspect of the home buying process. He has since opened his first branch of NEO Home Loans here in St Louis. He is an avid follower of the mortgage market and the economic and societal trends that effect rate movement and product shifts. He uses his experiences and passion for his profession to make the loan process as seamless and efficient as possible.

Tom and his wife Molly reside in the O’Fallon, MO area, and they have been blessed with two sets of boy/girl twins. Braeden and Raegen who are now 12 years old and Daniel and Quinn who are 8. When he is not helping customers and friends at NEO Home Loans he loves to spend time with his family. He enjoys helping coach their soccer and basketball teams, being outdoors as much as possible and loves visiting the Lake of the Ozarks where he has taught the kids to water ski. He and his family love visiting family in Colorado and snow-skiing. They also enjoy volunteering their time in the community and were chosen as the Ambassador Family for the Missouri Chapter of March of Dimes for the 2016 campaign. Tom, Molly and the children did many radio shows, television commercials and live broadcasts to raise awareness for premature babies and this cause as it is very near and dear to their hearts.

Tom utilizes his marketing background to assist his realtors increase their business. He assists them with listing brochures, open houses, marketing flyers, door hangers and marketing events. His most important focus besides his borrowers is to encourage and ultimately increase his realtor’s volume. He prides himself on keeping in constant contact with his realtor during every transaction.

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Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice. ***PMI is subject to factors such as PMI carrier, credit score, LTV, property type, etc.

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Tom Lubiewski

Tom Lubiewski

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