• Lighthouse Mortgage LLC

  • WHY?

    Mortgages are complicated.

    You need a guy. A seasoned insider. Someone who knows the path of least resistance.

    I'm happy to be him. So long as you're cool about it & respect our mutual personal space.

     

    Your best mortgage option hinges on variables. Its my job to hash out those variables with you. Pose questions which you may not otherwise think of.

     

    -How long will you stay in the home? A mortgage with a 5 year horizon should look very different than a mortgage with a 20 year horizon. Now days, the average American only stays in their mortgage about 5 years. Then either sells (pays off the mortgage) or Refinances their mortgage when interest rates drop.

     

    -What will your income be in the coming years? Up or down? Perhaps retirement, changing jobs, inheritance, bonus income, the sale of a large taxable asset?

     

    -Is marriage/divorce in my future? Maybe a little of each? You'll need cash for both. Pulling from the equity in your home is a cheap way to acquire quick cash.

     

    -Good lord, must be the oysters & Marvin Gay records, are we pregnant again? If so, should we Refinance to get our monthly payment down?

     

    Carefully weighing variables to arrive at a logical mortgage option requires advice from a seasoned professional. Someone accustomed to navigating the ins & outs of acquiring a mortgage. Someone who knows your path of least resistance.

     

    Mathematics can be intimidating. But that's where I come in. Breaking everything down in simple, easy to read language. My advice is written and delivered to your email inbox.

     

    With 18+ years mortgage experience, I make getting your Home Mortgage easy. Holding your hand through the process.

  • WHO?

    David Gassman Jr.

    A lil Irish. A lil German. A lil Native... a la Elizabeth Warren.

    100% American

    A true Broker. Not married to any one bank's products.

    This mortgage placement flexibility translates to lower interest rates for clients & the ability to provide untainted overarching financial advice based on current market conditions.

     

    While not helping old ladies cross the street & whittling wood on porches, he enjoys travel, outdoor recreation, & occasional debauchery with old buddies.

     

    Credentials

    • 18+ years experience as Mortgage Advisor

    • Licensed in KY, VA, FL, & IN

    • Expert in Conventional, VA, FHA and USDA Mortgages

    • Master's University of Louisville 2004

    • Bachelor's University of Louisville 2003

    • Saint Xavier High School 1999

    • NMLS # 20069 https://www.nmlsconsumeraccess.org/

    • Lighthouse Mortgage LLC NMLS #1788365

    • 3214 College Dr Ste 101A

    • Louisville KY 40299

     

    Cell: 502-396-1375

    Email: david@Lhmhelp.com

     

     

  • WHY DAVID?

    Listen to What My Clients Have to Say...

    PARTNERING WITH REALTORS:

    Robert in Norfolk Virginia

    “I've been a Realtor for 21 years.  Its hard to find good Loan Officers. David is exceptional. My customers always have glowing reviews about his services. I've worked with him on over 10 Purchase Transactions and they all went smooth. His ability to keep all parties informed via e-mail is very convenient. My customers always close on time."

    ADVISING THE SELF-EMPLOYED:

    Keith in Louisville Kentucky

     

    “I own a small Business. Getting a mortgage had always been tricky due to my tax deductions. My CPA referred me to David. Over the last 5 years we have forged a solid relationship and mortgaged several properties. I regularly lean on him for sound financing advice. He thinks outside the box and reasons in a logical deductive manner- I wish he worked for me!”

     

    Second Homes

    Lee in Mobile Alabama

     

    “After working for 34 years, the time came to purchase a retirement home near the water. I inquired online regarding purchasing a beach home and was fortunate to locate David. Over the next several months, he remained loyal to my home search endeavors. Ultimately, we closed my mortgage quickly- it’s amazing what you can get done online with people like David out there. I have bought several homes over the years and David is the best Loan Officer I have ever dealt with.”

     

  • NUGGETS

    Welcome to the blog! You can see my blog posts below.

    The American Fallacy?
    February 6, 2019
    In some circles, this won’t be popular. Wanted to say it for a long time. But always struggled...
    2nd Mortgage Interest: Tax Law Changes
    March 28, 2018
    Second Mortgage Interest no longer tax deductible? True. Kind of. It’s complicated. A brief...
    PMI and Taxes
    February 28, 2017
    Ben Franklin once said… “The only two certainties in life are Death & Taxes.” If reading this,...
    No Appraisal Loans Return
    October 28, 2016
    The return of No Appraisal Loans (a.k.a. Property Inspection Waivers) is looming. Fannie Mae...
    Free $45, 000?
    March 4, 2016
    New program available for 1st time buyers (or anyone who hasn’t owned in past 3 years).  The...
    Urkeling FHA Mortgages.
    December 30, 2015
    Short and sweet… avoid FHA Mortgages if possible.    It’s easier to qualify for FHA than...
    20% Down???
    August 6, 2015
    Do you need 20% down to buy a home?  Lord no! Delaying your home purchase to save 20% is not...
    Merica!
    July 27, 2015
    America.  A rags to riches society. That's good.  Its healthy.  We hear about the income gap...
    More Posts

  • Care to chat?

    Fill out the jazzy little form below.

    Or you can email me at David@Lhmhelp.com

    Of if Old School, call directly at: 502-396-1375. Note... if after respectable business hours, please email.

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