Loan Programs that we offer:

* We offer a wide and diverse selection of loan products for your "one-stop-shopping" convenience * By utilizing our massive network of investors, we handle all types of financing options.

New Construction - 180 day free lock with a float down option
Existing Homes (Lowest interest rates on refinances)
New Home Purchases (24 to 48 hours approvals)
Investment Properties
Vacation or 2nd Homes
Multi-family 2-4 Units
Condos or Townhomes
Jumbo Loans - $333,701 and above
Home Equity Loans (up to 125%)
Home Improvement Loans
All Credit Welcome

Fixed Rate Mortgages The most common type of mortgage program where your monthly payments for interest and principal never change.
Adjustable Rate Mortgages (ARM) These loans begin with an interest rate that is lower than a comparable fixed rate mortgage, but the rate changes at specified intervals.
Standard ARMS and the Differences Choosing an ARM with an index that reacts quickly lets you take full advantage of falling interest rates.
Introductory Rate ARM's Most ARM's have a low introductory rate, which is good anywhere from 1 month to as long as 10 years.
Reverse Mortgages A Special type of loan made to older homeowners to enable them to convert the equity in their home to cash to finance other needs.
London Inter Bank Offered Rate (LIBOR) LIBOR is the rate on dollar-denominated deposits, also know as Eurodollars, traded between banks in London.
Balloon Mortgages Short term mortgages that have some features of a fixed rate mortgage.
Interest Rate Buydowns The buyer would pay points above current market points in order to pay a below market interest rate during the first two years of the loan. At the end of the two years they would then pay the old market rate for the remaining term.
Cost of Funds Index (COFI) The ratio of the dollar amount paid in interest during the month to the average dollar amount of the funds for that month constitutes the weighted average cost of funds ratio for that month.
Graduated Payment Mortgage (GPM) With a GPM the payments are usually fixed for one year at a time.
Choosing The Best Program The right type of mortgage for you depends on many different factors

* First In Rate Our philosophy is to lend you the lowest possible interest rate. * First In Service We believe that our consumers should never wait too long for results. Our pre-approval process can take as little as 4 hours. Our largest source of business is word of mouth - which means that our consumers are exceedingly pleased with the service they receive. You can expect, and will always receive professional & prompt service. Our goal is to be your "Mortgage Lender for Life."

Lighthouse Financial Group: 4001 Main St; Vancouver, WA 98663; Office: (360) 737-3150; Toll Free: 1-866-737-3150; Fax: (360) 737-3347