Enriching Lives
One Home Loan at a Time
Both home ownership and real estate investing will improve opportunities for you and your family, well beyond, “money saved” or “money earned”. We’re in the business of enriching lives, and we do that one home loan at a time.
our PROMISE
1) You’ll understand the mortgage process, including receiving an education about programs, costs and opportunities. Whether it’s buying your first home, second home, or an investment property, we’ll guide you through the entire journey.
2) You’ll save money. We shop 100’s of loan options, with dozens of banks to ensure you receive the best product.
3) You will know what is happening with your loan. We’ll be responsive, and communicate regularly. We close loans faster than most brokers in the country.
Understanding The MORTGAGE LOAN PROCESS
LENDING LIGHTHOUSE will guide you through the sometimes turbulent waters of mortgage lending and see you safely ashore in your new home.
STEP 1
Let’s CHAT ABOUT YOUR GOALS AND QUESTIONS
STEP 2
APPLY FOR
YOUR
Home LOAN
STEP 3
We research & present the best LOAN options
STEP 4
choose the
best mortgage option
STEP 5
STEP 6
CLOSE ON
YOUR HOME LOAN!
get today’s rates
MORTGAGE RATE FACTORS
A mortgage rate is the interest you pay on your home loan. Your monthly mortgage payment includes the interest owed on the loan plus a portion of the remaining principal balance. A lower rate means lower monthly payments. Even as little as a 1% difference in rates can save you a significant amount of money.
Mortgage rates are volatile and go up and down every day.
This fluctuation is caused by a combination of forces, including:
Your Principal
When the economy is strong, rates often go up. During a weak economy, rates go down. Lenders also analyze economic data to try to forecast potential economic growth and slow down, and set rates accordingly.
Federal Reserve Activity And Inflation
World
Events
WHAT OUR CLIENTS HAVE TO SAY:
Nate was excellent. He communicated the whole way and they were able to save me money and headache in the end
Dillon Lawrence
Always enjoy working with this team. They are honest, fast, and not afraid to tell you when another lender can beat their rates. I’ve done two refinances with them now, and have saved over $600/mo. on my mortgage because they reached out to me when rates improved. Definitely recommend.
Michael Sorensen
I feel like I got the best deal possible… Very responsive, professional, everything except the actual closing was done online, and I got a great deal!
Marc Smith
Working with [Lending Lighthouse] was a slam dunk. Any question, believed on my part to be too dumb or obvious was meet with professionalism and understanding. I felt comfortable with Peter Skaggs and his staff, particularly Nate Harris as they helped hold my hand through the refinance process and ultimately delivered on my expectations.
Jeff Sorensen
PARTNER WITH US
LOAN OFFICERS
REAL ESTATE AGENTS
Our team provides true partnership, legal support, marketing, and the service you seek from your mortgage bank partners.
our products
Lending Lighthouse was formed with the intent of bringing our borrowers the most favorable lending terms available in the market. We specialize in finding solutions that don’t meet standard agency criteria.
CONVENTIONAL LOANS
- Fixed or adjustable rates
- As low as 3% down for primary homes
- Primary, second, and investment home options
INVESTOR CASH FLOW PRogram
- A powerful home loan programs for real estate investors, which allows cash flow on the purchased property to be used to qualify for the new loan
- No tax returns or employment information required, and no loan amount limits
- Can be used to effectively build a portfolio of income generating properties
BANK STATEMENT LOan
- Also known as self-employed mortgages or alternative documentation loans, a bank statement loan allows you to secure a mortgage without the typical documentation, like W-2s, tax returns, and pay stubs to verify your income
- Designed for entrepreneurs and others who do not have consistent income or a single employer to prove their salary
- May use their personal and/or business bank accounts to prove their income and cash flow
FHA LOANS
- 3.5% down payment required on purchase (down payment assistance or gifts can be used)
- Credit scores as low as 580
- Post-bankruptcy qualifying – 2 years after
- Post-foreclosure qualifying – 3 years after
VA LOANS
- Competitive interest rates that are routinely lower than conventional rates
- Sellers can pay up to 6% of closing costs and concessions
- Higher allowable debt-to-income ratios than for many other loans
- Down payment as low as 0%
JUMBO LOANS
- Loan amounts up to $5,000,000
- Fixed or adjustable rates
- Primary, second, and investment home options