I received a call from a self-employed borrower with a low credit score wanting a FHA loan for a home purchase in Ocean View. If you are in the know, then you know this isn’t happening. To their credit they had done research and figured it was time to buy a home. The amount of information available online for loan options can actually make the process a little daunting. But at least you have access to loan options, though many don’t necessarily apply to your unique situation. Here’s how I approach every loan. We have a conversation, learn about your family, your income, your credit and your savings. Next I evaluate which loan options fit into your needs, beginning with zero down. If zero down doesn’t fit then we go to 3% then 3.5% then 5% and so on. I provide loan options to minimize your out-of-pocket cash to help make buying your home easier.
If you would like to provide your scenario, fill in the form at the top of this page. I’ll get back to you with loan options that work specifically for your unique scenario.
E komo mai. This is not a typical banking website filled with big promises and teeny-tiny type at the bottom. Here you will find useful resources, payment calculators, glossary of loan terms with meanings, and, a safe, comfortable place for you to ask questions and get prepared to make your home purchase or loan refinance.
I wasn’t always a loan originator
I wasn’t always a loan originator.
Since 2006 my family rented several houses in Kona only to be faced with rising rents, pet/animal restrictions, aging appliances, and…two houses sold right out from under our feet! We didn’t think we’d ever be able to buy a home in Hawaii. However, in 2015 with perseverance we did. The experience was so enlightening to me, that I decided I want to help others do the same.
I am a licensed mortgage loan originator in the State of Hawaii. Your loans are processed by Nexa Mortgage, one of the top mortgage providers in the country. You have me as a hometown resource, I am here to help your family buy your home and secure your future.
Yes, I do investment loans.
Yes, I help families relocate to Hawaii.
But, my passion is helping local families buy their own homes. No more rent, no more worries. Let’s get you in a home of your own.
Your loans are processed by Nexa Mortgage, one of the top mortgage providers in the country. You have me as a hometown resource, I am here to help your family buy your home and secure your future.