Purchases
We have loan products to finance the purchase of your home whether you are upgrading to a better home, or a first-time homeowner, or want to purchase a home for investment purposes.  The 100% financing (no down payment) loan product is still available in certain situations (VA, USDA) as well as low down payment loans (FHA). There are a lot of choices of loan products and we will find the product that will fit your needs. It could be better to buy ( invest)  in your own home rather than rent and give your monies away to your landlord. Why give monies away for someone else to invest when you can invest your own monies in your own home. Real estate values have dropped considerably. So take advantage of the lowered prices and the lowered interest rates.

Refinances
We are in the middle of the year and interest rates are still low. Refinancing could: 1) lower your monthly payments, 2) convert your adjustable rate to a fixed interest rate, 3) give you cash to consolidate bills, do home improvements, purchase a big ticket item such as a vehicle, boat, appliances, 4) give you the opportunities to enjoy a long-awaited boat cruise, visit family in another state / country, or, 5) for any other purpose. Call us to refinance your conventional loan. Refinancing VA and FHA loans are quick, easy, and with lower closing costs.

Reverse Mortgage For Seniors
For our seniors, age 62 and over: Would you like to receive additional monthly funds to supplement your social security income? There’s a way to tap into the equity of your home by using the Reverse Mortgage loan product. You can receive funds monthly, lump sum, or as a line of credit. To qualify, you must be alive (no credit or income requirements) and have about 50% equity in your property (depending on the appraised value). You live in the home until you move, sell, pass away, or go to an elderly care center. At that time your heirs have the alternatives to refinance and take over the mortgage, sell, or payoff the mortgage. There are three main events that could happen after you pass on while owning your home without a Reverse Mortgage. You heirs receive the property title, and: 1) may almost immediately sell your home, split the money, and blow it, 2) they may squabble on who gets what and may ruin the family relationships, or 3) they may agree to have one or more heirs refinance the property to occupy or rent it for future income.

Why not enjoy your home equity and receive funds on a monthly basis, lump sum, or a line of credit while you are in your golden years. You deserve to enjoy your retirement years. Pass on your love and knowledge to your heirs, not an item (money) that may cause disharmony within the family ranks.

Construction Loans
Are you thinking about building your dream home? Whether you have a contractor or want to be an owner-builder, we have a construction loan product for you. We can do a short-term, stand-alone construction loan or a two-in-one construction loan (short-term construction and long-term take-out loans). Both types of construction loans have their advantages and disadvantages. Our construction loans are available to satisfy many different needs for our customers. In fact, we are the only loan broker in East Hawaii that has a loan product for the completion of your construction if you ran out of monies to finish your home. We have closed more than 250 construction loans since we opened our business in 2003, the most of any broker in the State of Hawaii. We are the experts in construction loans. We could help you with referral assistance to contractors, sub-contractors, building supply houses, realtors, draftsmen, architects, etc. Call us for more information.

Hard-money Loans
You can’t qualify for a conventional loan? We may be able to assist you get a loan on your home even if you were turned down, denied, or experienced broken promises from a lender, a loan broker, or a hard-money lender. Please take note that hard-money funding primarily depends upon the equity you have in your real estate (value minus the mortgage balance). If you have a dire need for a loan when the conventional sources have dried out, please call us for a second opinion or for more information about this loan product. We have the sources for hard-money funds. Please be aware that these funds are expensive but could help you for the short term period in order for you to buy time to fix your interim financial problems that you may have encountered. Call us. You may be pleasantly surprised what we can do to alleviate your financial burden.

Commercial Loans   (Bank Fall-outs) (Including Church Loans)
Did the bank deny your real estate commercial loan? We have many commercial loan sources that will entertain bank fall-outs of commercial loans. There are many various real estate-connected commercial loans still available. Do you own property that the bank will not mortgage? Having problems qualifying for a bank loan due to credit, income, or ineligible property? Do you want to buy, refinance, or construct commercial property?

Call us for more information.