Why Aloha Pacific FCU is the Right Choice for Your Mortgage

homes0601_2Q: Why should a consumer choose a credit union instead of a bank or mortgage company when buying a home?

A credit union can offer some unique advantages to a home-buyer. First of all, credit unions are not-for-profit organizations, which usually means their fees tend to be lower than other lenders.

The member experience is often described as a “kinder, gentler” experience. Aloha Pacific Federal Credit Union’s mortgage loan originators will take the time to explain the process, answer any questions and provide a level of comfort that the homebuyer’s application will go smoothly.

Because APFCU is a full-service mortgage lender that also can offer local servicing through its affiliate, CUSO of Hawaii Services LLC, borrowers have a wide range of loan products at competitive rates with the convenience of local servicing.

Q: What special services do Aloha Pacific FCU’s mortgage professionals provide?

APFCU offers numerous mortgage loan advantages, including low rates, low fees, personalized service and quicker closings.

APFCU also offers a special program that can partner the homebuyer with its Realty affiliate, CUSO Hawaii Properties LLC, which provides professional realty service and special discounts to members.

Q: What kinds of mortgages does APFCU offer?

We offer a wide range of products including conventional fixed and adjustable rate loans, as well as jumbo and government loans. We also offer Home Equity Lines of Credit (HELOCs) and fixed second mortgages.

Q: What should I do in preparation to apply for a mortgage from APFCU?

* Obtain a copy of your credit report to preview what your lender will see when evaluating your credit worthiness. Mistakes on credit reports could negatively affect your ability to obtain a competitively priced loan. If you spot any errors, get them cleared up before applying for a loan.

* Evaluate how much you can afford to pay. Your lender uses a formula to determine how much you can qualify for; however, this often is not the same as how much you can afford to pay each month after living expenses. Also, it would be a good idea to determine how much you can afford to set aside for the down payment.

* Decreasing your debt is always prudent prior to purchasing a home. Paying off credit cards and other bills may improve your chances of getting an approval as well as help you obtain the lowest rate possible – and improve your cash flow each month.

* Next, choose APFCU, where our mortgage professionals stand ready to guide you through this process as quickly & easily as possible.

Aloha Pacific FCU is your mortgage company

By utilizing our services, you will receive the best personalized service while benefiting both your credit union and yourself.

Call 531-3711 or visit any branch of APFCU for all the details.

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