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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

All About Jumbo Loans
In many areas of the country you can find a great single family home for less than $250,000. In other areas of the country, that’s what you’ll need for a down payment on the home of your dreams. In those areas where the cost of living, and the cost of housing, is higher than...
3 Things to Think About When Buying a Vacation Home
Although owning a vacation home may sound like a lot of fun (and it can be!), don’t purchase without doing some homework first. Unlike owning a timeshare where you are likely to have some concerns taken care of like housekeeping, security and other measures, buying a second home...
Is a 15 Year OR 30 Year Mortgage Loan Better For You?
If you’re looking to buy a home, one of the biggest decisions you’ll make is whether to go with a 15-year or a 30-year mortgage loan. There are some simple and straight forward mortgage calculators available online that will give you a good ballpark figure of what you can...
Can I get a Mortgage on a 'Tiny Home"?
All across the county people are looking to streamline their lives and downsize into small and in some cases tiny, homes. Tiny homes may be all the rage, but can you get a traditional mortgage on a tiny home? Does it matter whether your tiny home has a foundation or is on wheels? If...