Buying Your First Home
We Understand. Becoming a homeowner can be a daunting process for anyone, especially young adults or those without experience making such a big purchase. If you are a First-time homebuyer, […]
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Assets & Reserve Requirements
Verification of Assets & Reserve Requirements on a Mortgage Application If you claim to have assets on a mortgage application, be prepared to verify them. Just what does that mean? […]
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Credit Score Requirements
One of the first things lenders look at when determining your eligibility for a home loan is your credit score. You don’t need perfect credit to qualify. When a lender […]
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Debt Ratios
The next most important factor are your mortgage debt ratios. Lenders look at your DTI to make sure that you have enough disposable income to cover the daily cost of […]
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Stable Income & Employment
No matter which program you choose, you’ll need to prove that you have stable income & employment. Lenders need to know that you can afford the loan beyond a reasonable […]
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Down Payment
Many people believe that buying a home is out of reach, as it will take years to save 20% for a down payment. Good news! Your down payment can be […]
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Best of East Hawaii Mortgage Company 2019
Mahalo to our community for voting us “Best of East Hawaii” for eight years and running! We’re truly honored to have been voted Best of East Hawaii Mortgage Company for […]
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Here’s 2 Myths That Are Still Holding Back Home Buyers
Freddie Mac recently released a report entitled, “Perceptions of Down Payment Consumer Research.” Their research revealed that, “For many prospective homebuyers, saving for a down payment is the largest barrier […]
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Stop Wondering What Your Budget Is & Get Pre-Approved!
Why Get Pre-approved? In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a […]
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Why is there so much paperwork required to get a Mortgage?
Why is there so much paperwork required to get a Mortgage? When buying a home today, many ask…”Why is there so much paperwork mandated by the lenders for a mortgage […]
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How to Find Your Dream Home – Without Losing Your Mind
Finding your dream home is an exciting adventure that, at times, can also feel all-consuming. On a good day, it’s fun to swipe through listings and whiz through every open […]
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BEST OF EAST HAWAII 2019 – CAST YOUR VOTE NOW!
The Voting Ballot for ‘Best of East Hawaii for 2019’ is now open! It’s that time of year again! Click the link below and vote Island Home Loans for Best […]
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