Timely payments are reported to the credit bureau, improving your credit score over time. No proof of income or credit check required.How can I make payments? One point equals one percent of the mortgage loan amount. Who pays for the mortgage points depends on the purchase contract. Also, read about what you may need for mortgage assistance. We're here to help unlock your financial good with quick personal loans and easy tax preparation services – no matter your credit score. You can view and download many of your mortgage-related documents through our homeowner website. LightStream online lending offers loans for auto, home improvement and practically anything else, at low rates for those with good credit.