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Lightning Mortgage Home Page Our Home Page is where most visitors begin their journey through our information-packed home financing web site.
- Bad Credit Home Loans Looking for the home loan that best suits your needs? Even if you have poor credit you still have choices for your next home mortgage.
- Bait and Switch Schemes are methods that unethical and unsavory lenders will use to compete with honest and ethical lenders like Lightning Mortgage.
- Finance or Refinance Your Home explains why we created this web site and how it can help you on your quest for obtaining a home loan. We'll help you make the right choice.

Loan Types Overview Explains the many loan program options available today.
- Loans Types offers an overview and launching pad for exploring the world of mortgages.
- Fixed Rate Loans are available at the best rates and terms.
- ARM or Adjustable Rate Mortgages are a wonderful solution for many. Find out why.
- Option ARM We offer mortgage payment flexibility not available just a few years ago at any price.
- HELOCs Home Equity Lines of Credit offer people the opportunity to turn the value of your home into cash.
- Buy Down Mortgages is a method of making home ownership a reality if you are have limited money right now but have a plan for changing that fact. New home builders offer incentives for people like you.
- 100% Financing For many people buying a home with no money down is the one smartest investment they ever make. Sign up to receive this free report.
- How to Stop Wasting Money on Rent Sign up to receive this free report about how you may qualify to own a home rather than just rent one.
- Pending Foreclosure Help Sometimes bad things happen to good people. A really bad thing is to lose your home. Here's how we can help you avoid this tragedy.
- Construction & Remodel Loans If you want to finance the construction or remodel of a home you will benefit from learning strategies for accomplishing your goal.
- Compare Fixed & ARM Loans This web page explains the basic differences between fixed and adjustable interest rate loans.
- Conventional vs Interest-only Mortgage Payment Calculator. Handy for making payment comparisons.
- Balloon Mortgages Balloon mortgages enable you to minimize the amount you pay each month by shifting much of loan repayment to a lump sum due at the end of your mortgage period.
- Piggyback Mortgages We have methods for eliminating PMI, that wholly unnecessary cost. Here is how to avoid paying PMI even when borrowing 100% of the value of a home.
- Interest-Only You can lower your monthly mortgage payment with interest-only loans.
- First-Time Home Buyer Purchasing a home is the biggest financial investment most people make in their lives. Unfortunately, most people don't know the first thing about buying a home. Reading this page will help you become a more informed home buyer and help you avoid costly mistakes.
- Making Biweekly Payments Biweekly mortgage payments make sense for some people to budget. There is certainly a financial incentive for paying this way. Here's why.

Apply Now Fill out our quick online application and credit report to begin the loan process.
- Application This application will answer many of the basic questions about your financial situation and the loan you desire.
- Credit Report A credit report is a mandatory part of the application process. You can't qualify for a loan without one.

Administrative These pages are not specific to The Loan Process, Credit Scores, Loan Types, or Interest Rates.
- About Us Refer here for a little background on who we are and how we work.
- Why Choose Us There are many reasons for choosing to do business with Lightning Mortgage. Here are just a few.
- Contact Us Here is how to reach Lightning Mortgage by phone, mail, fax, or email.
- Refer Us As a result of exceeding your expectations we want you to refer us to your family and friends.
- Mortgage Forums This area contains a public forum for asking mortgage related questions and obtaining answers.
- Affiliate Links See these links if you are looking for something not found on this web site.
- Calculators Financial calculators to help you determine what is best for you, financially.
- Feedback Here is yet another means of communicating with us. Send us a message.
- Legal Notices The place for our many legal stipulations.
- Privacy Policy Our policy about keeping your financial records private.
- Satisfaction Guarantee This page describes our satisfaction guarantee.
- Recommend Site For easily referring a friend to our web site.
- Site Map The site map lists all the pages on our web site.
- States Where We Lend Has a map of the states where Lightning Mortgage does business.

Interest Rates What's our rate? We have many. What interest rate do you qualify for?
- Interest Rate Setting Describes how mortgage interest rates are set. The relationship to the bonds, to the Federal lending rate, and Treasury Securities.
- Interest Rate Sweet Spot A formula for determining whether or not to pay points on a loan.
- Tax Advantage of Home Ownership Learn what makes owning a home such a good deal, and how interest payments are deducted from your taxes.
- Home Loan Finder Service Looking for the best interest rate for your mortgage? We come across some really great loan programs that fit even the most unique loan needs.
- How To Find The Best Interest Rate Comparing mortgages is like picking out shoes. It's the fit that counts, not the just interest rate.

The Loan Process Lightning Mortgage provides you with a complete description of what goes on during the loan process.
- What's Involved with Obtaining a Loan The Lightning Mortgage simple 4 steps summary of the escrow process.
- Documents Needed For Your Loan Creates a customized documentation list needed for loan approval.
- The Closing Process What really happens on the way and during the close of escrow.
- The 8 Deadly Home Buying Mistakes Home Buying advice for everyone from Lightning Mortgage.
- Home Buyer Checklist A complete checklist of home features to help you make the best buying decision.
- The Top 10 Factors That Influence Your Mortgage. Here is how to obtain the best possible mortgage.
- Income Documentation Variations Explains the difference between a full doc, a no income, or limited income loan.
- Order Our eBook to learn how to win the mortgage game.
- Factors Influencing Your Mortgage The 10 things that impact your mortgage qualification.
- Mortgage Insider Secrets Sign up to receive closely guarded secrets of the mortgage industry.
- Pre-Qualified or Pre-Approved? Lightning Mortgage explains the pre-qualification process and the pre-approval process.
- Online Pre-Qualification Letter Generate your own pre-qualification letter if you are planning to put at least 20% down and know your credit rating.
- FAQ: Questions And Answers Frequently Asked Questions are answered here. Use our handy search facility at the footer of each page to quickly locate other answers.
- Good Faith Estimate Explained This mainstay of the mortgage industry is deciphered line-by-line.
- Closing Costs Calculator enables you to figure out the amount you'll need for closing costs. Of course, if you can have the seller share the cost you'll save some money, too.
- The Art of Appraisals The value of your home does not increase $20,000 just because you spent $20,000 on a kitchen remodel. Here is how your home value is arrived at.
- Truth-In-Lending Disclosure is a federally mandated disclosure aimed at protecting citizens from unsavory lending practices. Unfortunately it also confuses many of the people who read it.
- HUD-1 Closing Statement Explained The closing document that sums up every home mortgage transaction.
- PMI Explained Why are people penalized for borrowing more than 80% of the value of their home?
- Mortgage Hiccups Since obtaining a mortgage is such a complex process, and having many people involved, mistakes are made and things can and do go wrong. Here's many of the reasons.
- The six most common ways of holding title. Owning a home alone or together with someone else, there are different ways for people to structure ownership.
- The Truth about Impound Accounts An 'Escrow waiver' is permission a lender will give you to not collect money to pay property taxes and homeowner insurance. Should you ask for an escrow waiver?
- APR Explained APR, Annual Percentage Rate, is a number that advertisers will throw about. Here's how it is calculated, and abused, to create 'hidden' closing costs.
- Mortgage Brokers Explained Without a doubt, the majority of home buyers and owners will benefit from the services of great mortgage brokers like those found at Lightning Mortgage.
- Loan Term Glossary This comprehensive reference tool will explain the terms used in the mortgage industry.
- Our Client Satisfaction Survey! Tell us how we're doing. Tell us how we did. We want to provide you with the best mortgage and lending experience we can. Your feedback will help us improve.

Credit Scores Find the most complete credit report information as is applies to mortgage qualification here.
- What is a credit score? Explains the reason your credit history is converted into a number.
- What's a FICO score? More about how your credit score is calculated.
- How your scores affect your mortgage History repeats itself as it pertains to a person's loan repayment habits. At least, that's the belief of lenders.
- Describing Your Credit History Numeric scores are converted to letter grades to simplify loan qualification.
- Improving your scores Recommendations for improving your credit score. Restructure your debt to increase your score.
- Credit Inquiries Your application for credit--whether for a mortgage, new credit card, car loan--is recorded and factored into your credit score. Find out how.
- Length of Time Adverse Credit Remains Here we tell you how dings on your credit report have long-term effects.
- How to Correct Credit Report Mistakes Credit reports may contain errors. Here's how to have those errors corrected.
- Account Numbers Not Yours Information about what may cause you to have a poor credit score even though you have an excellent credit history.
- Paid Off Accounts Show Balances Slow reporting of loan repayment causes a lag.
- Incorrect Names on Report Sometimes your credit report will include someone else's name. That name must be removed for your score to be accurately computed.
- Incorrect Social Security Numbers Sometimes your credit report will include a second social security number. That number belongs to someone else and must be removed for your score to be accurately computed.
- Satisfied Judgments Showing a Balance Paid off a judgment
- Ex-Spouse's Accounts Still Appear A divorce decree doesn't guarantee that credit reports get separated, too.
- Co-signed Loans on Report How doing someone a favor could cost you a house!

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written consent of Lightning Mortgage. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

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