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.
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.
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.
75-167 Kalani Street, #200 Kailua Kona HI 96740
Monday - Friday: 9am - 5pm
Weekends: By appointment
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.
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.
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.
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.
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.
5% down payment on home purchases $1 million to $4 million so you can enjoy your dream home without liquidating your investments.
We provide equal access to our services without any discrimination based upon age, race, religion, country of origin or marital status.
International buyers can finance their purchase with streamlined credit and documentation to facilitate long distance investments
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.