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RESIDENTIAL AND INVESTMENT MORTGAGES

Primary Residence

Young couple taking a selfie while holding keys to their new home

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

Family on beach in Hawaii

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

Investment chart for acquiring properties

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.

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Douglas Mallardi (NMLS 1612621)

I optimize your purchase power for primary, second and investment real estate ownership on all Hawaiian islands.

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VIP Mortgage "Trusted Home Team" (NMLS 145502)

75-167 Kalani Street, #200 Kailua Kona HI 96740

office (808) 333-4341 email: doug.mallardi@vipmtginc.com fax: (808) 657-0181

Hours

Monday - Friday: 9am - 5pm

Weekends: By appointment

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Secure Your Future with real estate ownership

It's time for you to own your home!

Young couple in the new living room

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

Husband and wife renovating a home

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!

portrait of Doug Mallardi, mortgage loan originator, Big Island Mortgages

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

Illustration of couple dreaming of their own home

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

Monopoly board representing real estate investing

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

Illustration of a home addition

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!

Illustration of a kitchen renovation

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

Illustration of a reverse mortgage or HELOC

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

Tropical living room

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

Million dollar beach front living room

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

equal housing opportunity 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

flags representing foreign national international investors

International buyers can finance their purchase with streamlined credit and documentation to facilitate long distance investments

Privacy Policy

 


We collect only the minimum amount of personally identifiable information (PII) we need, strictly for advancing the purposes of your transaction. We do not share your personal information with anyone outside your transaction.

Before we collect PII we tell you what we are collecting, why we are collecting it, and how we are going to use it. We work to ensure that the PII we have about you is accurate, relevant, timely, and complete.  V.I.P. Mortgage, Inc. does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502. HI: Mortgage Loan Originators Company License HI-145502.  Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not an offer to enter into an agreement. Not all customers will qualify.