I offer the 3-2-1, 2-1, 1-1-1, 1-1, and 1-0 buydown loan. This is a new program that was introduced to help alleviate the rising cost of inflation. This is an excellent loan program that helps save you thousands of dollars and it won't cost you anything. View current homes on the market here that allow you to use this loan program. Listings are being added everyday. 

VA loans are available for military veterans, active service members, national guard, reservists, &  surviving spouses. VA guarantees a portion of the loan, enabling it to have the lowest interest rates compared to any other mortgage. Got a question regarding your eligibility or anything else? Press the get started button and I can answer all of your questions. 

This mortgage is the most common & one of the least restrictive loans available. Interest rates are low & can be used for many types of properties.

FHA loans is for those who don't quite fit the normal standard. It allows for a higher debt-to-income ratio and is more lenient towards borrowers with bankruptcies & foreclosures. Or get FHA's 203k renovation loan. 

USDA insures this loan, which is why you can buy a home with no down payment. The goal is to boost the population in non-urban areas, so you do have to live in an approved area. There is income requirements according to how many household members will live in the home.

Easily the most widely used loan is todays market. This acts like a credit card that offers extremely low interest rates for a long fixed period of time or fixed for a relatively short period of time. The appropriate strategy is to take advantage of the lower rate on a short term fixed period & refinance it back into another low fixed short term. You can consolidate debt and save thousands with this loan.

If your 62 years old or older you can take advantage of this type of mortgage. You can get cash to pay-off debt, renovate your home, or do whatever you want with it. You will never have to make mortgage payments from day one allowing you to save money instantly.

Get a conventional mortgage or a non-conventional, which we call in our industry a Non-QM (quaified mortgage) loan. Got no income? Then get a DSCR (debt-service coverage ratio) loan. 

Mortgage credit certificate is available to those who haven't owned a home in the past 3 years. This allows you to convert 20% of your tax deduction into a tax credit. This tax credit would allow us to boost your income a little giving you a little more buying power. 

A jumbo loan is a loan that exceeds the conventional conforming loan limit, which is set by the Federal Housing Finance Agency (FHFA) every year. The maximum amount for a conforming loan on a one-unit home here in Hawaii is $1,089,300. A one-unit home that exceeds this would require a jumbo loan. 

The purpose of the City and County of Honolulu's Down Payment Loan Program is to promote homeownership. The program provides 0% interest loans up to $40,000 to qualified individuals to help meet the down payment requirement. 

Can't prove income? Get approved by using bank statements or a profit and loss statement. Don't have either of these, but you have a lot of liquid assets? Get approved with an asset depletion loan. 

This is designed for those who want to build on their existing vacant lot or who wish to tackle major renovations, addition or repair an existing home.

A bridge loan is a type of short-term loan, typically taken out for a period of weeks or a few years pending the arrangement of larger or longer-term financing. This loan allows you to purchase another home with no contingency of you having to sell your existing home. 

Want to build a home? The first thing you need to do is own that piece of land and we can help you purchase a residential or agricultural zoned lot.  An assessment of your financial status must be evaluated to show an exit strategy, since land loans are not meant to be kept long term.

You can use either an USDA, FHA, or a VA loan for Hawaiian Home properties. Due to the nature of the lease you have to go directly to the VA department for a VA loan, but we can help you get a different type of loan. 

VA loans are available for military veterans, active service members, national guard, reservists, &  surviving spouses.

VA loans are available for military veterans, active service members, national guard, reservists, &  surviving spouses.

A condotel is a condo that operates more like a hotel. You can own the unit, but the complex shares amenities like lobby registration and a cleaning service.