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Loan Programs



Loan Programs

Now is the time to consider purchasing your dream home or refinancing your current mortgage.

Types of Loans that we Offer:

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 a 20% down payment or a great FICO, we still can find the best conventional mortgage loans at a reasonable rate for you.

FHA Loans:

  • Available with as low as a 3.5% down payment.
  • Insured by federal gov.
  • 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.

VA Loans:

If you are eligible for VA… take advantage of it.

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

USDA Loans:

  • First time home buyers… USDA refinance is available as well.
  • You do not have to be a veteran to get 100% financing… It is 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!
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