Maximize Your Mortgage Options With Honolulu HomeLoans

HOMES-111614-4Andrew Kim
NMLS #316248
Executive Vice President
Chief Production Officer
Honolulu HomeLoans

Regarding the current mortgage trend in 2014, prospective homebuyers and existing homeowners in Hawaii have fared well. To the surprise of many economists and industry groups, interest rates have improved in the second half of the year despite earlier predictions to the contrary. This window of opportunity is proving to be timely for homeowners in need of refinancing, as well as for homebuyers seeking to maximize their purchasing power in an escalating real estate market. The favorable interest rates, combined with an ample assortment of mortgage options, make it an ideal time to be a borrower today.

Choosing the right mortgage lender to navigate the loan process is critical to accomplish financial objectives. In Hawaii, the circumstances presented by borrowers and properties can often vary a great deal from one transaction to the next. As a result, the guidance from a qualified Mortgage Loan Officer is needed to educate borrowers on the ideal loan options for their specific situation.

Our team at Honolulu HomeLoans is comprised of some of the industry’s most experienced professionals. Each of our Loan Officers is licensed by the National Mortgage Licensing System which requires a background check, completion of course-work, a federal exam and continuing education. In addition, as Hawaii’s largest locally-owned and managed mortgage banker, Honolulu HomeLoans has always been singularly focused on providing optimum lending solutions tailored for our community. “We know mortgage lending, and we know Hawaii.” That simple statement goes a long way in avoiding problems and overcoming challenges that can arise in transactions.

In addition to the high level of service provided by our knowledgeable staff, Honolulu HomeLoans offers a complete range of loan programs to assist borrowers:

* Conventional Fannie Mae / Freddie Mac
* USDA
* VA
* FHA
* Jumbo
* Non-conforming: Construction, Land, Interim, Foreign Buyer

Our USDA and VA programs provide financing options with zero downpayment at very competitive pricing. Honolulu HomeLoans is a direct Seller/Servicer for both Fannie Mae and Freddie

Mac, which allows us to offer conventional loan programs with minimal credit overlays. We are also an approved lender with the Hawaii Housing Finance & Development Corporation, which allows our eligible borrowers to take advantage of tax credits through the Mortgage Credit Certificate program (MCC). Our Jumbo loan options offer loan amounts up to $3 million for properties in the luxury market. Most of these loan programs are available with either fixed rate or adjustable rate options and loan terms between 15 and 30 years.

Honolulu HomeLoans is now offering two separate promotions for our borrowers.

* The Homebuyers Advantage applies to new purchase applications received before December 31, 2014. Eligible borrowers receive an appraisal credit up to $650 plus a $100 Ala Moana Gift Card at closing.

* Our Ready When You Are refinance promotion provides a 30 day ready-to-close guarantee for eligible borrowers who apply before the end of the year. Both promotions are subject to certain restrictions, so please contact our office for more details.

To obtain more information on Honolulu HomeLoans, or to schedule a no-obligation consultation with one of our Loan Officers, please feel free to call us at (808) 681-7500 or visit our website at www.honhl.com.

Locations Hawaii
Michael Marks
Sandwich Isles Realty
Kimo Smigielski, Broker-in-Charge
R, ABR, CRS, GRI, e-PRO
Hawaii Life Real Estate Brokers
Emily Garcia
Agent, REALTOR(A), RS-77391
Coldwell Banker
DAY-LUM Properties

Edith Crabb, RB-8195
Coldwell Banker
DAY-LUM Properties

Glenn Takase, RB-18547
Coldwell Banker
DAY-LUM Properties

Misti R. Tyrin, RS-75836
Coldwell Banker
DAY-LUM Properties

David L. Skeele, RB-12882
Kauai Landmark Realty
Phil Fudge, RB-18576
Claire Keaton, RS-73854
Coldwell Banker
DAY-LUM Properties

Shea Miyashiro, RS-64678
Coldwell Banker
DAY-LUM Properties

Atsuko Winston, RS-75899
Coldwell Banker
DAY-LUM Properties

Mark Skeele, RS-77005