Ashlee S.C. James (NMLS#: 368025)

(808) 591-1137

(NMLS#: 397936)

loan programs

Conventional Loans:

  • We offer conventional Hawaii Mortgage Loans from a variety of top-notch lenders here in Hawaii.
  • A solid FICO score, stable income and a 20% down payment on the primary residence, will assure you of obtaining the lowest rate available anywhere in the lending markets today.
  • No need to worry! If you don’t have 20% down payment or a great FICO score, we still can find the best conventional mortgage loans at a reasonable rate for you. 



  • Available with as low as a 3.5% down payment. 
  • Insured by Federal Government
  • For First Time Home buyers only
  • Don’t assume that your credit will keep you from achieving your goal.

                     We will work with you even if your credit score is as low as 620

  • FHA interest rates are excellent compared to conventional loans
  • Stable income but not much assets?...FHA is the way to go



  • 100% Financing…no down payment required
  • No monthly mortgage insurance required
  • You can receive a seller’s credit up to 4% of sales price 



  • First time home buyers…USDA Re-finance is available as well
  • You do not have to be a Veteran to get 100% financing
  • If you don’t have all of the closing costs you will be able to use 102% of appraisal value towards the closing cost
  • No credit is OK and bad credit is OK. We will make it work!