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Interest Rate
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Interest Rate
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Interest Rate
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*Fixed = no points; ARMs = 1 point, ARM rate adjusts after initial term. 780 credit score, purchase, loan < $1,249,126 (except Jumbo), 20% down (except Jumbo & VA). Primary Residence.
As a full-service Hawaii mortgage broker, we shop over 100 wholesale lenders to find competitive rates across a range of home loan products tailored to your needs. Our offerings include: Conventional Loans, VA Loans, USDA Loans, FHA Loans, Jumbo Loans, Non-QM, and more. Whether you’re purchasing or refinancing, we serve all islands of Hawaii. Our seamless online process ensures a smooth, hassle-free experience, closing your loan with ease.
At C2 Financial, one of the nation’s largest mortgage brokers, we leverage our size for pricing advantages with our extensive network of lender partners. Access to over 100 wholesale lenders lets us compare pricing to find competitive options for our clients. We have helped 5,400+ clients fund over $2.18 billion in Hawaii.
At C2 Hawaii, our mission is clear: to deliver competitive Hawaii mortgage options alongside exceptional local service. We are committed to helping our clients achieve their homeownership dreams with affordability and care.
Most banks primarily offer only their own loan products. As independent Hawaii mortgage brokers, we work for you, not a single lender. We compare pricing and programs across more than 100 wholesale lenders to find the option that fits your goals, whether that’s the lowest payment, the lowest cash to close, or a loan program your bank doesn’t offer.
When you apply at a bank, you typically get that bank’s rates, guidelines, and timeline. If your file doesn’t fit their box, the answer is often no. A mortgage broker shops your scenario across many lenders at once. If one lender’s guidelines don’t fit, another lender’s might. That flexibility matters most for self-employed borrowers, jumbo purchases, investment properties, and anyone with a unique income or credit story.
Wholesale lenders don’t work directly with the public. They offer their loan programs through licensed mortgage brokers, at wholesale pricing. We handle the application, documentation, and coordination with the lender, title, escrow, and your real estate agent, so you get one point of contact from application to closing.
Because we shop more than 100 wholesale lenders, we offer a far wider range of loan programs than a typical bank, from standard purchase and refinance loans to solutions for borrowers who don’t fit traditional guidelines.
Traditional Mortgages: Conventional, VA, FHA, USDA, Jumbo, and First-Time Homebuyer loans.
Alternative Mortgages: Bank Statement, 1099 Income, Investor Cash Flow (DSCR), Asset Based, No Income, Service Industry, ITIN, Foreign National, Non-Warrantable Condo, Unique Property, Portfolio, Bridge, Private Money, Construction, Land, Commercial, and Reverse Mortgage (HECM) loans.
Whether you’re buying your first home, relocating to the islands, refinancing, or investing, we’ll match you with the right program. See today’s rates for current pricing.
Our local loan officers serve homebuyers and homeowners on Oahu, Maui, the Big Island, Kauai, Molokai, and Lanai. We understand Hawaii’s market, from condo project approvals and leasehold properties to the realities of buying in one of the most expensive housing markets in the country. If you’re relocating from the mainland or on PCS orders, we can get you pre-approved before you arrive.
Every loan is different, and the right answer depends on your timeline, budget, and goals. Meet our loan officers or request a free quote to see what you qualify for. Subject to credit approval and lender guidelines.