(828) 274-4111
  • 			    Lighthouse Mortgage
  • 			    Lighthouse Mortgage
  • 			    Lighthouse Mortgage
  • 			    Lighthouse Mortgage

Welcome to LIghthouse MortgageHelping people go from loan applicant to homeowner, with peace of mind..

Get Information

Contact Us for more mortgage rate Information.

Mortgage News

Get the latest in the mortgage industry.

Welcome to Lighthouse Mortgage 

Why Use A Broker?

Independent mortgage brokers have had a significant positive impact on the lending industry. Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.

A mortgage broker is an independent real estate financing professional who specializes in the origination of residential mortgage loans. Mortgage brokers normally pass the actual funding and servicing of loans on to wholesale lending sources. A mortgage broker is also an independent contractor working with (on average) as many as 40 lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, your broker provides the most efficient way to obtain financing tailored to your specific financial goals.

In the volatile home-lending market, mortgage brokers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options. There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.

Recent Articles

Jan
10
2018
Homebuyers: Don’t Skip the Home Inspection
Home inspections have benefits whether you're the buyer or the seller. However, this article will focus on the basic benefits to you as a homebuyer. Home inspections come at an additional cost, however, in the end, a thorough review of your prospective home could end up saving you money...
Jan
03
2018
How Does Renting a Home and Owning Your Home Really Compare?
Renting may be less expensive, but there are significant disadvantages to not owning your home. If you're considering purchasing your first home but are hesitant because of the potential increase in monthly payment, you'll want to take a second look at the pitfalls of renting. Read on to...
Dec
27
2017
The Tax Advantages of Your Home Loan or Refinance
Owning a home, whether it's a mobile home, single-family residence, townhouse, or condo, has many advantages --including tax perks! What's more, you may still reap the benefits even after you sell!  However, to take full advantage of tax perks of homeownership, your tax filing...
Dec
20
2017
How to Pay Off Christmas Debt To Buy Your First Home
You started the year motivated to buy a home by getting your finances in order and raising your credit score. But then the holidays hit, and you get off track. Maybe you dipped into your down-payment savings or added debt to your credit cards. While not the best choice when you’re...