Loan Programs
Find Your Perfect Loan Program
From first-time homebuyers to seasoned investors, we offer a comprehensive range of mortgage solutions tailored to your unique needs and goals.
Our Programs
Mortgage Solutions for Every Situation
Whether you're purchasing your first home, refinancing for a better rate, or seeking a complimentary mortgage review, we have the expertise to guide you.
Refinance
Lower your rate, shorten your term, or tap into your home's equity with our comprehensive refinance solutions.
- •Rate-and-term refinancing
- •Cash-out refinancing up to 80% LTV
- •FHA/VA streamline options
- •Debt consolidation programs
- •No-cost refinance available
Best for: Homeowners looking to lower payments or access equity
Mortgage Review
Free comprehensive analysis of your current mortgage to identify savings opportunities and optimization strategies.
- •No-obligation loan analysis
- •Rate comparison assessment
- •Equity position review
- •Payment optimization strategies
- •Break-even analysis
Best for: Current homeowners wanting to maximize their investment
Conventional Loans
Traditional financing for qualified borrowers with competitive rates and flexible terms.
- •Down payments as low as 3%
- •Fixed and adjustable rate options
- •No upfront mortgage insurance with 20% down
- •Up to $766,550 conforming limits
Best for: Buyers with good credit and stable income
FHA Loans
Government-backed loans with more flexible qualification requirements.
- •Down payments as low as 3.5%
- •Lower credit score requirements
- •Gift funds allowed for down payment
- •Competitive interest rates
Best for: First-time buyers or those with limited credit history
VA Loans
Exclusive benefits for eligible veterans, service members, and their families.
- •No down payment required
- •No private mortgage insurance (PMI)
- •Competitive interest rates
- •Limited closing costs
Best for: Active military, veterans, and eligible spouses
Jumbo Loans
Financing for luxury properties that exceed conforming loan limits.
- •Loan amounts above $766,550
- •Competitive rates for larger loans
- •Flexible down payment options
- •Various property types eligible
Best for: Luxury home buyers in high-cost areas
Investment Property
Financing solutions for rental properties and real estate investments.
- •Single and multi-family properties
- •Portfolio lending options
- •DSCR loans available
- •Short-term rental eligible
Best for: Real estate investors building wealth
Payment Calculator
Estimate Your Monthly Payment
Adjust the details below to see what your monthly mortgage payment could look like here in Hawai'i.
Estimated Monthly Payment
$4,136
- Principal & Interest$3,792/mo
- Property Tax$219/mo
- Home Insurance$125/mo
* This calculator provides estimates for informational purposes only and is not a commitment to lend. Actual rates, payments, and costs may vary. Contact us for a personalized quote.
FAQ
Frequently Asked Questions
Get answers to common questions about our loan programs.
The best loan program depends on your financial situation, goals, and eligibility. Our loan officers will review your complete picture—including credit score, down payment, income, and property type—to recommend the most suitable options. Schedule a consultation for personalized guidance.
