ALOHA!
Welcome to Island Home Loans, Inc!
Thank you for visiting our website! Island Home Loans, Inc. is a locally-owned and operated Mortgage Brokering company based in Hilo on the Big Island of Hawaii. We serve all of the Hawaiian Islands with our seasoned team of Mortgage Planners. Our Mortgage Planners make it easy for you to get any type of home loan: purchases, refinances, and construction. Also available is 100% financing with VA and USDA guaranteed loans for first-time homebuyers. For our Senior Citizens, call our loan specialist about the advantageous Reverse Mortgages. If you have a need of hard-money loans or a commercial loan, we have sources to place your loan.
As a mortgage broker, our goal is to find the best and most affordable loan program to fit your needs. Regardless of your circumstances, our loan professionals will assist you fully throughout the whole loan process. Whether it is a purchase loan, debt consolidation/cash-out refinance, or one of the many other loan programs we offer, our representatives will pledge their time in researching what is right for you.
Why use a Mortgage Broker?
- You have choices of lenders: If you go to a bank or credit union, etc. and get denied for any reason, you have to start all over again and complete all of the required application forms. As a broker, we can shop for the best lender (of many lenders) to suit your needs and pocketbook. You need only to make one loan application.
- We get paid commissions. If your loan is denied, we don’t get paid. At banks, they get paid their salary whether the loan goes through or not. It is our livelihood to make loans and we are motivated to satisfy you with the excellent service we provide by a higher level of seasoned and experienced personnel.
- We only provide mortgage loans so we are dedicated to connect and focus on you, our customer, to do your loans as quickly as possible with the better loan product that suits your needs. Banks, credit unions, etc. have other consumer products and vast amount of other services that they provide and do not concentrate their efforts only on mortgage loans. We are experts in this field.
- We are able to match or charge lesser fees than that of banks, credit unions, thrift and finance companies, etc. Just compare their fees with ours. And yes, the fees are negotiable on most loan products.
Call any of our seasoned Residential Loan Specialists for any information that you need regarding mortgage loans to purchase a home or refinance it for any reason: consolidate bills, lower interest rates, convert adjustable rates to fixed rates, lower monthly payments, home improvements, etc. Do call us for any of your questions regarding mortgage loans and related subjects (credit report, income qualifications, lava zones, USDA / FHA / VA Loans, etc.).
Need to build your dream home? We can assist you with your construction loan and refer you to building supply companies, contractors, sub-contractors, and give you a general overview of the construction process.
