Ellsworth Mortgage Broker: Your Local Home Loan Experts
Looking for a Ellsworth mortgage broker? Lighthouse Mortgage Group arranges purchase, refinance and investment financing for homeowners and buyers throughout Ellsworth, Maine and the surrounding Hancock County towns. Ellsworth is the commercial hub for Down East Maine and the gateway to Acadia, which makes it both a year-round market and a seasonal one.
Ellsworth Real Estate Market Insights
Ellsworth is the county seat of Hancock County, where the median sale price was $466,000 in the May-July 2026 rolling quarter - above the $427,000 Maine median. Hancock County prices are pulled upward by the Bar Harbor and coastal Acadia market; Ellsworth itself typically offers better value than the shoreline towns south of it. [Maine Association of Realtors]
Investment Property Financing in Ellsworth
Ellsworth serves as the retail and services center for a wide Down East catchment, and its proximity to Acadia National Park supports genuine seasonal rental demand alongside a year-round workforce at Northern Light Maine Coast Hospital and the Route 1 commercial corridor.
What Ellsworth Buyers Should Know
Second homes and seasonal properties are common in this market, and they finance differently from a primary residence - different down payment, different rate, and sometimes different occupancy documentation. If you are buying near Acadia as a second home or a short-term rental, tell us up front so we quote the right program the first time.
Why Choose Lighthouse Mortgage Group?
As a broker rather than a single lender, we shop your file across multiple wholesale lenders and bring you the program that actually fits - not the one product a bank happens to sell. We are licensed in Maine, based in Belfast, and we close loans in Ellsworth and across Hancock County.
Loan Programs We Offer in Ellsworth
Conventional mortgages - competitive rates and flexible terms for qualified buyers.
FHA loans - lower down payment and more forgiving credit requirements for first-time buyers.
VA loans - no down payment and no monthly mortgage insurance for eligible veterans and active-duty service members.
Jumbo loans - financing above the conforming limit for higher-value Ellsworth properties.
Refinancing - lower your payment, shorten your term, or access your equity.
DSCR investor loans - qualify on the property's rent instead of tax returns. DSCR loans in Maine
Reverse mortgages (HECM) - for homeowners 62 and older. reverse mortgages in Maine
Contact a Ellsworth Mortgage Broker
Ready to buy or refinance in Ellsworth, Maine? Call 207-218-1154 or toll free 1-800-507-0435, or send us a message. We will tell you what you qualify for before you start looking.
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Our Happy Clients
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"The loan for Jeremy Wadsworth went from submission to CTC in just 11 days - that's really fast! It was submitted on February 8, 2021 and received the CTC on February 23, 2021 with a rate of 2.73%! Great work Patrick Chandler and Lighthouse Mortgage Group,LLC!"
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"I can’t say enough about Pat. They really went above and beyond to get my loan refinanced. I had a huge problem with my credit report and they were able to clear it up with ease."
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"Pat Chandler was Very professional, charming and polite. Very direct and on time with everything. Hooked us up with a realtor who worked hard everyday to find us a property we liked. The whole experience has been fantastic."
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"Pat Chandler is an amazing person to work with! He's very knowledgeable and honest and he’s always available to answer any questions. We just recently closed on our first home and he helped guide us through the whole process. He made everything fall into place for us."
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"Patient and professional. Always answered the phone or quickly returned the call. Hel helped our family to get the home we’ve been wanting to buy for years!"
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"I cannot express how awesome it has been to work with Pat. He answered every question and went above and beyond to help us with this process!"
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" Pat was very helpful. He was very informative. He made himself available when we needed him. Which was very helpful to us due to our schedules, I recommend Pat to everyone I know."
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"This is the second time we have used Pat for our mortgage needs. He is a hard worker, and is easy to work with."
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"Pat was wonderful, he kept us up to date on what we needed and what was going on during the loan process. He was kind, friendly and helpful. I would highly recommend him to anyone needing help with on of the biggest decisions in life. Buying a home!!"