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.
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
“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.”
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.
Mortgage Calculator
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