Independent mortgage brokerage
The right loan is out there. We find it for you.
One application, dozens of lenders compared. We shop the market on your behalf and walk you through every step — purchase, refinance, or first home.
No fees to apply · No impact on your credit score to get a quote
Estimate your monthly payment
Try itEstimate only. Excludes taxes, insurance, and HOA. Not an offer of credit or a rate quote.
20+
Years of lending experience
40+
Lenders in our network
1,500+
Families financed
5.0★
Average client rating
Loan options
Every kind of home loan, one point of contact
Because we’re a broker — not a bank — we’re free to match you with whichever lender fits best.
🏠
Home purchase
Conventional, FHA, VA, USDA and jumbo loans for your next home, with pre-approvals that sellers take seriously.
🔄
Refinance
Lower your rate, shorten your term, or switch loan types. We’ll show you the break-even math honestly.
🔑
First-time buyers
Down-payment assistance programs, low-down-payment options, and plain-English guidance start to finish.
💵
Cash-out & HELOC
Put your home equity to work for renovations, debt consolidation, or a major purchase.
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About us
A local broker who answers the phone
Harborlight Mortgage was founded on a simple idea: getting a home loan shouldn’t feel like negotiating with a machine. We’re a small, independent team — which means you work with the same person from first call to closing day.
- Independent — we work for you, not a bank
- Licensed and background-checked (NMLS registered)
- Transparent about rates, fees, and trade-offs
- Evening and weekend availability
How it works
From first call to keys in hand
Talk it through
A free 15-minute call about your goals, budget, and timeline. No paperwork yet, no obligation.
Get pre-approved
One simple application. We verify your numbers and issue a pre-approval letter, often same-day.
We shop the market
We compare rates and terms across our lender network and present the best fits, side by side.
Close with confidence
We coordinate with your agent, the lender, and the title company — and keep you updated the whole way.
Client stories
What homeowners say
“As first-time buyers we had a hundred questions. Every single one got a straight answer. We closed two days early.”
— M. & J. Rivera, first home
“Our bank quoted us one rate. Harborlight found the same loan almost half a point cheaper. That’s real money every month.”
— D. Okafor, refinance
“Responsive, honest, and patient. When our appraisal came in low, they had a plan B ready the same afternoon.”
— S. Nguyen, home purchase
Good to know
Common questions
What does a mortgage broker cost me?
In most cases, nothing out of pocket — brokers are typically paid by the lender at closing, and we disclose our compensation up front. You’ll see every fee in writing before you commit to anything.
Will getting a quote hurt my credit?
An initial conversation and estimate requires no credit pull at all. When you’re ready to get pre-approved, multiple mortgage inquiries within a short shopping window are treated as a single inquiry by the credit bureaus.
How is a broker different from my bank?
A bank can only offer its own products. As an independent broker, we compare loans from many lenders and are able to match your situation — credit profile, down payment, property type — to the lender most likely to say yes at the best terms.
Contact
Let’s talk about your loan
Phone( 444 ) 222 – 9999
Emailhomeoffice@HarborLightMortgage.com
Office5 Main Street
Big Town, Best State 22222-1111
HoursMon–Fri 9am–7pm · Evenings & weekends by appointment
NMLS ID state license number displayed here
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Privacy policy
How we handle your information
Last updated: [Month Day, Year]
Information we collect
When you contact us or apply for financing, we may collect your name, contact details, and — with your consent — financial information needed to evaluate loan options, such as income, assets, and credit history.
How we use it
We use your information solely to provide mortgage brokerage services: preparing quotes, submitting applications to lenders you approve, and communicating with you about your loan. We do not sell your personal information.
Who we share it with
Information is shared only with parties necessary to your transaction — lenders, credit bureaus, appraisers, and title companies — and only as needed to process your loan.
Your choices
You may request a copy of the information we hold about you, ask us to correct it, or ask us to delete it (subject to record-keeping requirements that apply to licensed mortgage professionals). Contact us using the details above.