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YOUR MORTGAGE, IN FOCUS

Mortgage Health Score

56/ 100

Needs Attention

Several supplied factors reduce this model’s score. Rate Position lost the most points: 18 of 25 (7 earned).

Score breakdown

Rate Position7 / 25

Equity & LTV12 / 25

Payment Efficiency14 / 20

Loan Structure13 / 15

Reported payment standing10 / 15

Your next steps

Compare refinance quotes -- you are 1.38 percentage points above the assumed 6.25% reference. Fees and a longer repayment term may outweigh a lower payment.
You are paying $185/month in mortgage insurance. Complete the guided PMI Removal Check before drawing a cancellation conclusion.
Complete the guided PMI Removal Check to separate original-value, appreciation, and automatic-termination routes before contacting your servicer.
Set up autopay if it fits your account balance and payment schedule; monitor successful payments and confirm any outstanding past-due amounts.

For homeownersIllustrative example

Is your mortgage quietly costing you?

Example 2026-09-01: $342k balance/$380k estimated value; fixed conventional 7.625%/30yr vs assumed 6.25%; start 2023-10-01, no extras, 30-day late, PMI $185/mo.

TWO OFFERS. THE NUMBERS, CLEARLY.

Your loan comparison

Fictional offers: P&I + $150 tax and $100 insurance monthly; $0 MI and HOA.

LIGHTHOUSE VERDICTClear differences. Confirm the borrowing cost.

Loan 2 has a $56.58 lower quoted monthly payment. Loan 2 has $1,450.00 less in quoted closing costs. Before choosing, confirm both terms, principal and interest, mortgage insurance and fees. Upload the Loan Estimates to compare five-year totals less principal repaid. A lower payment does not mean a lower borrowing cost.

Detail	Loan 1	Loan 2
Loan amount	$350,000	$350,000
Interest rate	6.25%	6.00%Lower
Loan term	30 years	30 years
Illustrative monthly housing payment	$2,405.01	$2,348.43Lower
Monthly principal & interest	$2,155.01	$2,098.43Lower

For homebuyersIllustrative example

Two offers. See which really costs less.

A lower rate isn’t always the better deal. Enter two offers to see the payments, rates and costs side by side, or upload the Loan Estimates if you have them.

You

Review my uploaded mortgage document, Sample_Loan_Estimate.pdf. Explain the most important numbers, terms, risks, and next steps in plain language.

Lighthouse Logic

Fictional fixed conventional loan: $340,000 at 6.375% for 360 months. Modeled P&I $2,121.16 + assumed $561 escrow + $160 PMI = $2,842.16/month; $0 HOA. Unentered costs excluded; APR unavailable.

The fictional terms show a $6,800 prepayment penalty. Whether any penalty is lawful, triggered or owed depends on the contract, timing, loan and jurisdiction. Ask for a similar offer without it.

Lighthouse Logic

Fictional fixed conventional loan: $340,000 at 6.375% for 360 months. Modeled P&I $2,121.16 + assumed $561 escrow + $160 PMI = $2,842.16/month; $0 HOA. Unentered costs excluded; APR unavailable.

The fictional terms show a $6,800 prepayment penalty. Whether any penalty is lawful, triggered or owed depends on the contract, timing, loan and jurisdiction. Ask for a similar offer without it.

Lighthouse Logic

Ask about your mortgage, the details you’ve shared, or documents you choose to upload. Five free questions a day.

ProNo Free quota; usage and upload limits.

Mortgage calculators

Explore payments, payoff schedules, escrow, and different loan scenarios.

Affordability calculator

Example: income $7,500/month, debts $1,200/month, $60,000 down, credit 700–759. Assumed fixed 6.5%/30 years; estimated taxes, insurance and PMI. Not an approval.