RESIDENTIAL AND INVESTMENT MORTGAGES
Primary Residence
Buying your primary residence? If this is your first home ever or its your first home in three years, there are several loan types available starting at zero down payment. There are so many new mortgage options, we will explain the differences so you get the best loan to suit your needs.
Vacation Home
If you already own your primary residence and you're wanting a vacation home, you have access to 10% down payment for US Citizens and 35% down payment for Foreign Nationals. Vacation homes are not intended for rental income, so if you're planning an Air B&B that's an investment property loan.
Investment Property
Hawaii may be the hottest real estate market in the United States and it's known worldwide. Investing in short-term rental and long term rental property can create lifetime cashflow. With 20% down payment we can provide financing for condos, houses, multi-unit, plus hotels and mixed use.
Secure Your Future with real estate ownership
It's time for you to own your home!
Imagine coming home each night and knowing that this is YOUR HOME! Less than half of all families in Hawaii own their homes. That means they are paying rent month after month, year after year with no equity and no stability. It's time to do what's best for your family's future. I am here to help finance your home with a new mortgage. Take charge, get pre-qualified now and purchase your new home.
INVESTMENTS: BUY AND HOLD OR FIX-N-FLIP
Take your income to the next level with investment properties. Vacation and long term rentals deliver incredible returns. Fix-n-Flip projects can add fast profits time and again.
I work with investors to expand their portfolios, or, provide financing for fix-n-flip projects. I'll finance your transactions based strictly on the property value and cash-flow without considering your personal DTI.
I'm here for you!
Since 2006 my family rented several houses in Kona only to be faced with rising rents, pet/animal restrictions, aging appliances, and...two houses sold right out from under our feet! We didn't think we'd ever be able to buy a home in Hawaii. However, in 2015 with perseverance we did. The experience was so enlightening to me, that I decided I want to help others do the same. I am a licensed mortgage loan originator in the State of Hawaii. You have me as a resource, I am here to help your family buy your home and secure your future.
ALL TYPES OF BUYERS AND HOME OWNERS
First Time Home Buyers
Home buyers have access to USDA, FHA and VA loans between zero down to 3.5% down payment. Government backed loans provide lower mortgage insurance and interest rates. Ask which program is best for you.
Experienced Investors
Once you're past your first few investment properties and are ready to ramp up your portfolio, we will cross collateralize to purchase additional investment properties without interrupting your personal finances.
Repeat Buyers
Conventional mortgages have evolved! 23 year fixed? 7/1 ARM, 3% down? The choice is yours! Primary residence, second home or investment properties, conventional mortgage help you get the home loan you need.
Refinance, Renovate or...Both!
Rate and term refinance lowers your existing payment making life easier. Cash-out refinance consolidates multiple debts into one mortgage payment. Add a pool or new kitchen with a renovation refinance.
Seniors Seeking Cash Flow
Draw money from your home for regular living expenses, large draws or incidental purchases. You pay taxes and insurance, your home pays you. When your home eventually sells your debts are paid and your family receives the net proceeds.
Self Employed Business Owners
Business owners with non-W2 income can use 12-month or 24-month bank statements for a new mortgage or a refinance. Achieve your goals with an adjustable rate mortgage using your personal or business bank deposit.
DID YOU KNOW?
We offer 5% down JUMBO loans
5% down payment on home purchases $1 million to $4 million so you can enjoy your dream home without liquidating your investments.
We are an equal housing lender
We provide equal access to our services without any discrimination based upon age, race, religion, country of origin or marital status.
We finance international buyers
International buyers can finance their purchase with streamlined credit and documentation to facilitate long distance investments