Conforming
Loan Amount < $424,100
Super Conforming
Loan Amount $424,100 - $636,150
Jumbo
Loan Amount > $636,150
Must Read
Read before apply
Reviews
Few words from our clients
Program
RATE
REBATE
APR
30 Year Fixed 1
3.750%
-1.000%
3.750%
15 Year Fixed 1
3.000%
-0.750%
3.000%
10 Year Fixed 1
2.875%
-0.880%
2.875%
5/1 ARM 1
3.000%
1.000%
3.000%
7/1 ARM 1
3.250%
0.000%
3.250%
Program
RATE
REBATE
APR
30 Year Fixed 1
3.875%
0.000%
3.875%
15 Year Fixed 1
3.125%
0.500%
3.125%
5/1 ARM 1
3.125%
0.000%
3.229%
7/1 ARM 1
3.750%
0.000%
3.875%
Program
RATE
REBATE
APR
30 Year Fixed 1
4.125%
0.125%
4.125%
15 Year Fixed 1
3.750%
0.125%
3.750%
Am I eligible for these rates ?
- Is the subject property your primary residence? Yes / No
- There is no without permit construction/addition on the subject property? Yes / No
- Is your credit score 740+? Yes / No
- You are okay to pay upfront appraisal fee of $ 495 ( 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.
Nirali Matalia (San Jose, CA)
It was really awesome working with Pannu Mortgage! Truly appreciate their grasp on subject knowledge, prompt customer service & professionalism! I would surely partner with them again.
Milind Gupta (San Jose, CA)
I refinanced my home through Mr. Pannu and he was really helpful and answered all my questions patiently. I would definitely recommend him to all my friends.
Bhushan Dahake (Pleasanton, CA)
It was a great pleasure to work with Mr. Sukhvir Pannu. He is always on top of your application and keeps you constantly informed throughout the process. He operates at the speed of light and educates you in the process.
Lighthouse is a very appropriate name for his mortgage company. Rates offered by his mortgage company are best in the market and you can be assured of quality service.
Mandeep Pahuja (Corona, CA)
Mr. Pannu made getting loan as easy as buying stuff on Amazon, the process was seamless, we were being made aware of the status of the loan at all times, and Mr. Pannu helped with any questions that I had in the process. He was very nice to talk to and best of all he made himself available at all times to me.
I truly loved working with Mr. Pannu, and would come back to him for my future home loan needs.
Barada Mishra (Sunnyvale, CA)
Excellent!
Thanks for making the refinancing process smooth and easy.
Dinesh Goel (Cupertino, CA)
Thank you Mr Pannu for your prompt service and closing loan in time. It has been a great pleasure working with you.
Ananth Krishnan (Livermore, CA)
Mr. Pannu did a great job with refinancing my home and made the process very simple. In-fact he reached out to me when the rate fell to what I was looking for (I told him over phone earlier) and checked if I was still ready for refinancing. Really thoughtful of him. Great person to work with.
Divyangkumar C Shah ( CPA) (Santa Clara, CA)
Mr. Sukhvir at Pannu Mortgage has in depth knowledge of the mortgage industry. He helped as committed and found pro-active on the client file. We will rate as best and will refer in our circle.
Sushma Koneru
It was great working with Mr Pannu for our refinance.
He is very quick, organized and makes the refinance process very simple. He has closed the loan in a short span of 14 days.
I would definitely work with him in the future for any refinance needs.
He is very quick, organized and makes the refinance process very simple. He has closed the loan in a short span of 14 days.
I would definitely work with him in the future for any refinance needs.
Mohit Vaswani (San Jose, CA)
Working with Pannu was amazing! I spoke to a few mortgage brokers before I ended up going with Pannu.
The personal attention I got during this process was great. I did not have to worry about anything. Pannu took care of it all!.
He also let me know when was the right time to lock the rates. I would highly recommend Pannu to everyone!!
The personal attention I got during this process was great. I did not have to worry about anything. Pannu took care of it all!.
He also let me know when was the right time to lock the rates. I would highly recommend Pannu to everyone!!
Manish Desai (Fremont, CA)
Had a fantastic experience working with Pannu! Completely transparent and consistent handling throughout the process.
Also the process itself was so quick and hassle free that our loan was financed even before we realized. Had a great experience working with him.
Also the process itself was so quick and hassle free that our loan was financed even before we realized. Had a great experience working with him.
Naunihal Singh (VTA)
I would like to extend my hearty appreciation towards Pannu Mortgage for providing the excellent Service. You have not only met but, went beyond my expectation. The whole process was very efficient, on time, and delivered as promised.
Your knowledge and advice is extremely valuable.
I will definitely return to you for my future financial needs and recommend your name to my acquaintances. Thanks a lot again. Job well done!
Your knowledge and advice is extremely valuable.
I will definitely return to you for my future financial needs and recommend your name to my acquaintances. Thanks a lot again. Job well done!
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.....
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.....
Rajneesh Saini Fremont
We had an awesome experience with Sukhvir Bhaji from Pannu Mortgage. We refinanced our home twice through him.
Process was straight forward with all terms and conditions laid out in advance so that there are no surprises. Whole process went very smoothly both the times and very happy with Pannu Mortgage.
Second time, Sukhvir bhaji proactively let us know drop in interest rates and that helped us save money (and continue to save money for long time to come).
I highly recommended Pannu Mortgage for your mortgage or mortgage refinancing needs.
Process was straight forward with all terms and conditions laid out in advance so that there are no surprises. Whole process went very smoothly both the times and very happy with Pannu Mortgage.
Second time, Sukhvir bhaji proactively let us know drop in interest rates and that helped us save money (and continue to save money for long time to come).
I highly recommended Pannu Mortgage for your mortgage or mortgage refinancing needs.
Dewshmukh Sandeep
Best rates, Excellent and prompt service. Highly
recommended.
Apparao Adapureddi
Pannu is committed,trusted agent and available any time and willing to share/answer any questions or queries.
He never promise, which is not realistic and never deviate what he committed.
Excellent service.
He never promise, which is not realistic and never deviate what he committed.
Excellent service.
Kuldip Singh (Tracy, CA)
It was a truly great experience working with Mr. Pannu.
He was very caring of any questions that we had and gave phenomenal services and I would recommend him to anyone I know.
He was very caring of any questions that we had and gave phenomenal services and I would recommend him to anyone I know.
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
