South Portland Mortgage Broker: Your Local Home Loan Experts
Looking for a South Portland mortgage broker? Lighthouse Mortgage Group arranges purchase, refinance and investment financing for homeowners and buyers throughout South Portland, Maine and the surrounding Cumberland County towns. South Portland is the practical alternative for buyers who want Greater Portland access without a peninsula price tag. It is one of the markets we are asked about most.
South Portland Real Estate Market Insights
South Portland sits in Cumberland County, where the median sale price reached $618,000 in the May-July 2026 rolling quarter - the highest of any Maine county and well above the $427,000 statewide median. South Portland typically prices below the county median, which is exactly why it stays competitive: it is the affordable side of an expensive county. [Maine Association of Realtors]
Investment Property Financing in South Portland
The rental fundamentals here are unusually durable. Southern Maine Community College, the Maine Mall retail corridor, the Portland International Jetport and a short commute to the Portland peninsula give South Portland landlords a tenant base that does not depend on any single employer.
What South Portland Buyers Should Know
Most of South Portland's housing stock is post-war - capes, ranches and split-levels from the 1940s through the 1960s, plus newer condo inventory. That is good news for financing: the properties appraise predictably and qualify for standard conventional and FHA programs without the condition issues that complicate older Maine housing.
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 South Portland and across Cumberland County.
Loan Programs We Offer in South Portland
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 South Portland 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. South Portland DSCR loans
Reverse mortgages (HECM) - for homeowners 62 and older. South Portland reverse mortgages
Contact a South Portland Mortgage Broker
Ready to buy or refinance in South Portland, 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!!"