Refinance Advisor

Refinance Advisor

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Your home is an asset that can optimize your net worth while delivering improved cash-flow.

Cash out refinance delivers additional funds useful for debt consolidation, home improvements or new investments, all at today’s rates. Most credit lines feature interest rates 15-25%. Add those up and it’s easy to accumulate high monthly payments with no end in sight. Cash-out refinance lowers your monthly mortgage payment and your monthly output for other debts being consolidated. Does your home have equity you could use to purchase real estate investments? Refinance available equity to create cash flow for your future.

Rate and term refinance delivers a more favorable monthly payment so you can loosen up your cash flow or pay down your mortgage sooner. Home owners typically gain equity at a greater pace than inflation. Rate and term refinance can lower your monthly payment allowing for greater cash flow. If you want to make additional principle payments, that’s fine. The lower payment adds flexibility to your day to day life.

Reverse Mortgage delivers a one-time lump sum deposit then subsequent monthly deposits so you can enjoy your retirement with adequate cash-flow. Read more.


Big Island Mortgages by Doug Mallardi is a local hometown office for one of the biggest lenders in the country, Cornerstone First Mortgage.

With Cornerstone First you receive the benefit of National Strength.
With Douglas you receive the benefit of Hometown Service


Big Island Mortgages by Doug Mallardi

(808) 333-4341

Start an online loan application, click here.

Schedule an appointment, click here.


76-6190 Plumeria Road
Kailua Kona, HI 96740

Equal Housing Lender


Douglas Mallardi, Loan Originator NMLS#1612621

Cornerstone First Mortgage NMLS# 173855

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