Your payment changed because the escrow analysis shows a shortage. Taxes and insurance cost more than the servicer projected, so the new payment includes the updated escrow amount plus shortage repayment. Let's look at each change.
You review conflicts before anything is replaced.Navigate homeownershipwith confidence.
Upload a supported mortgage document and Lighthouse can identify it, explain it, save useful facts to your Home Profile, and help you decide what to review next.
My loan, by the numbers
Built from an example mortgage statement
Home Profile
Conventional mortgage · document-backed
30-Year Fixed
—Latest verified benchmarkNational conventional benchmark—not a personal quote.
Stored snapshot · scheduled refreshYour home has a story.
Lighthouse connects every chapter.
One account-owned profile brings supported mortgage facts, documents, reports, milestones, and saved context together for Lighthouse Logic and the rest of the app.
Answers grounded in your saved context.
Ask a question, upload a document, or run a guided scenario. Lighthouse Logic can use the Home Profile you select and the mortgage facts saved to your account.
One place for the life of your loan.
Supported loan facts, payment details, documents, deadlines, milestones, conflicts, and saved reports stay organized by property.
The market, ready before you ask.
Lighthouse reads its stored Market snapshot immediately. A protected background job refreshes rate benchmarks, housing metrics, commentary, and sources on a 12-hour schedule.
Clarity starts with one small step.
No complicated setup. Each confirmed fact or supported document can add useful context to your Home Profile.
Bring one document
Start with a mortgage statement, Closing Disclosure, Loan Estimate, or escrow analysis.
Let Lighthouse connect it
Lighthouse Logic identifies the document, explains the numbers, and adds the useful facts to your profile.
Know your next move
Ask follow-up questions, watch the market, run scenarios, and keep your whole home picture in one place.
Built to illuminate—not influence.
Lighthouse is independent, educational, and designed around your privacy. We are not owned by or affiliated with a lender or servicer.
- Your information stays attached to your authenticated account
- No Social Security number or full account number required
- Plain-language education, with sources where they matter
Your home picture is waiting.
Bring one document. Leave with more clarity.
Name, email, and password. No card required.