Lighthouse Realty & Mortgage
(408) 593 - 6995
Conforming
Loan Amount < $417,000
Super Conforming
Loan Amount $417,000 - $625,500
Jumbo
Loan Amount > $625,500
Must Read
Read before apply
Reviews
Few words from our clients
Program
RATE
REBATE
APR
30 Year Fixed 1
4.000%
-1.000%
4.000%
15 Year Fixed 1
3.125%
-0.750%
3.125%
10 Year Fixed 2
3.000%
-0.880%
3.000%
5/1 ARM 1
2.875%
-0.625%
2.875%
7/1 ARM 1
3.250%
0.000%
3.250%
Program
RATE
REBATE
APR
30 Year Fixed 1
4.125%
0.000%
4.125%
15 Year Fixed 2
3.375%
-0.750%
3.375%
5/1 ARM 2
3.125%
0.000%
3.125%
7/1 ARM 2
3.375%
0.000%
3.375%
Program
RATE
REBATE
APR
5/1 ARM Purchase 2
3.000%
0.000%
3.000%
5/1 ARM Refi 2
3.250%
0.000%
3.250%
7/1 ARM Purchase 2
3.250%
0.000%
3.250%
7/1 ARM Refi 2
3.500%
0.000%
3.500%
30 Year Fixed 2
4.500%
0.000%
4.500%
15 Year Fixed 2
4.000%
-0.500%
4.000%

How does rebate works?

  1. Rebate is amount available to use towards closing cost. If rebate is more than closing cost,  Remaining balance will be used towards Interest for remaining days  of current month, Reserve for Impound/Escrow account, Property tax /insurance premium ( If due). If rebate is still available, It will be contributed against the principal.
 

How much are the closing costs?

Refinance:
  • Loan Amount       $0 - $250K = $2,595
  • Loan Amount $250K - $450K = $2,795
  • Loan Amount $450K - $650K = $3,095
  • Loan Amount $650K - $850K = $3,395





Above fees are subject to +-$100

Purchase:
  • Our lender origination fee / administration fee is $ 1,095.00



For rest of the closing costs refer to your purchase contract and county customs.

Am I eligible for these rates ?

 
  1. Is the subject property your primary residence? Yes / No
  2. There is no without permit construction/addition on the subject property? Yes / No
  3. Is your credit score 740+? Yes / No
  4. You are okay to pay upfront appraisal fee of $ 385 ( Most Cases) at the time of locking interest rate. For NO COST loans, this amount will be credited at closing.? Yes / No
If you answered "Yes" to all the questions, we can offer the interest rates, as per our website.

If you answered "No" to any of the question, we may not be able to offer you the interest rate as listed on the site. Please call us for further details.

 

Pavan Kumar Singaraju Vekkata Sai

I got my loan refi with Pannuji. He was able to get me the best rate and closed the loan quickly even before I realized. I would rate him seven stars for outstanding service. He is the best.....

Praveen Nori

Thank you very much Pannu Ji. 

Your service has exceeded my expectations. I have worked with 4 other loan agents before and was not satisfied either by their rate, lender terms or hidden fees.  You have been very clear since the start of the relationship on all costs.  I am glad that I have turned on the radio that day to listen to your program and contacted you.

It has been a pleasure. 

Thank you Very Much!!

Visweswara Burela

Hi Pannu,

Thanks a lot. Everything went smoothly. Please keep me posted on the rates. You never know when there is a chance to re-fi again!
Note: Above int rates are for Primary Residence, Credit score 740+, LTV < 75 %, With Impounds/Escrow.
Note: Rates are subject to change without notice based on market conditions. Rate/APR and terms may vary based on the loan amount & credit worthiness of the individual.

Lighthouse Realty & Mortgage Inc.

DBA Pannu Mortgage

Lighthouse Reality & Mortgage is a San Jose Based Lending Firm. We will help you find the best San Jose Mortgage refinance. We know that each customer has specific needs, so we strive to meet those needs with a wide array of products.

  • NMLS ID 343630
  • CA DRE ID 01484106

 

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