Popular Loan Options

The VA Home Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

The Veterans Administration (VA) provides insurance to lenders in the case that you default on a loan. Because the mortgage is guaranteed, lenders will offer a lower interest rate and terms than a conventional home loan.

Reverse Mortgage, also called a HECM (Home Equity Conversion Mortgage) is gaining in popularity with Hawaii's seniors who have equity in their homes and want to supplement their income. 

The HECM is the only reverse mortgage insured by the Federal Government. If you are a Hawaii homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and currently living in the home, you may participate in the FHA's HECM program 

Whether you're a first time homebuyer or an investor, this product is well suited for all. The conforming loan product is the most used in the United States. This product offers as little as 3% down payment...

Community Mortgage is a return to common-sense underwriting. This innovative product addresses the regulatory rules limiting prime borrowers’ access to lending by eliminating unnecessary documents that are not part of the credit underwriting decision...

This investor product offers potential borrowers rates closer to prime than traditional hard money loans. Borrowers can qualify with flexible terms, including using rental property cash flow or debt service coverage ratio (DSCR), for example. 

No income qualifying is required. The Investor mortgage is ideal for borrowers who don’t want to provide personal income documentation, or are unable to qualify using traditional debt-to-income (DTI) ratios.