Month: January 2025

 

 

 

• Gradual Decline Expected: Experts from various financial institutions predict a gradual decline in mortgage rates throughout 2025. Fannie Mae forecasts rates to close at around 6.5% by the end of 2025, suggesting a slow but steady decrease.

• Economic Factors at Play: The Federal Reserve’s approach to interest rate adjustments plays a pivotal role. If economic growth remains steady without significant inflationary pressure, we might see rates dipping into the mid-6% range by year’s end. However, unexpected spikes in inflation or economic downturns could alter this trajectory.

• Impact of New Administration: With a new presidential administration, policies could shift, potentially affecting mortgage rates. Analysts are watching the economic policies closely, as proposed tax cuts or tariffs could influence inflation and, in turn, interest rates.

 

• Local Expertise: Our team has deep insights into the Hawaiian market, understanding local nuances that can affect your mortgage.
• Personalized Service: We tailor our advice based on your personal financial situation, goals, and the latest market trends to secure exceptional rates.
• Proactive Strategy: We keep you informed with real-time updates on rate changes, helping you decide the best time to lock in or refinance.

Contact our team of local experts at C2 Hawaii to explore your options today: Contact Us

 

• Fixed Rate Jumbo Loans: Enjoy the peace of mind that comes with a consistent interest rate throughout the life of your loan. Ideal for those who value predictability in their monthly housing expenses and plan to keep the property long term.
• Adjustable-Rate Mortgage (ARM) Products: Perfect for those who anticipate owning for only several year or expect to refinance within a few years. Our Jumbo ARMs offer competitive rates fixed for 3-5 years and then adjust annually on the loan anniversary date.

 

 

• Primary Residence: Secure your forever home in paradise.
• Second Home: Invest in your weekend getaway or vacation property.
• Investor Occupancy: Enhance your real estate portfolio with ease.

 

 

• Rate/Term Refinance: Lower your interest rate or change your loan term to better suit your financial goals.
• Cash-Out Refinance: Leverage the equity in your home to fund renovations, consolidate debt, or for other financial needs.

 

• Expert Local Knowledge: Our team understands the unique aspects of the Hawaiian real estate market.
• Personalized Service: From application to closing, we provide a seamless, personalized experience.
• Wide Network: As Hawaii’s full-service mortgage broker, we have connections with numerous lenders to find the best deal for you.

 

 

 

• No Down Payment: One of the most significant barriers to homeownership is the down payment. With C2 Hawaii’s USDA loans, you can finance your home purchase with 100% financing, meaning you don’t need to save up for a down payment.
• Eligible Areas: These loans are available for properties in designated rural and suburban areas. Check if your dream location in Hawaii qualifies through our easy-to-use eligibility tool: Click here
• 30-Year Fixed Rate: Enjoy the stability of a fixed interest rate for 30 years, which means your monthly payments remain predictable, regardless of market fluctuations.
• Guarantee Fee: The USDA requires a one-time guarantee fee which can be rolled into your loan amount, thus not requiring any upfront payment from you.
• Income Limits: To ensure that this program benefits those who need it most, there are income caps based on your area. C2 Hawaii can guide you through these specifics to see if you’re eligible.
• Primary Residence: These loans are for those looking to make a property their primary home, fostering community stability.

 

 

• Local Expertise: Our team has deep insights into the Hawaiian real estate market, ensuring you get the most relevant advice tailored to your situation.
• Personalized Service: From application to closing, we provide one-on-one guidance, making the process as smooth and stress-free as possible.
• Quick Approvals: We understand the urgency of buying your home. Our streamlined processes mean quicker approvals, helping you move into your new home faster.

 

1. Check Property Eligibility: Click here
2. Check Income Limits: Click Here
3. Pre-Approval: Get pre-approved to know exactly how much home you can afford, strengthening your position when making an offer: Contact Us
4. Application: With our assistance, navigate through the application process, ensuring all your documents are in order.
5. Closing: We’ll handle all the details, guiding you right through to closing day.

 

 

 

 

 

 

 

• Fixed Rate Loans: Enjoy the stability of predictable payments over the life of your loan.
• Adjustable Rate Mortgages (ARMs): Benefit from potentially lower initial interest rates if you’re planning for short-term ownership or anticipate refinancing in the near future.

 

• Expert Guidance: Our team of seasoned mortgage brokers understands the unique real estate market of Hawaii. We guide you through each step, ensuring you make informed decisions.
• Local Knowledge: Being based in Hawaii, we have an intimate understanding of local property values and trends, which benefits your loan approval and terms.
• Customer-Centric Approach: We tailor our services to fit your financial situation, making the home buying process as stress-free as possible.
• Fast Approval Process: We strive for efficiency, understanding that timing can be crucial in the real estate market.

 

 

Get Started:

• Consultation: Contact us for a personalized consultation to discuss your goals: Contact Us
• Application: Begin your application process with ease, backed by our expert support.
• Approval: Experience a swift approval process with our streamlined procedures.

Contact our team of local experts at C2 Hawaii to explore your options today: Contact Us

 

 

• You haven’t owned a principal residence in the last 3 years.
• Your income is less than 80% of your county’s median income.

 

 

• Low Down Payment: With as little as 3% down, you can start your homeownership journey. This low entry point reduces the barrier to owning a home, making it more achievable than ever.
• Improved Rate Pricing: Benefit from our competitive interest rates that help keep your monthly payments manageable. At C2 Hawaii, we work to secure premium rates to fit your budget.
• Primary Residence Only: This loan is specifically for those looking to buy their primary home.
• Income Limitations: To maintain fairness and accessibility, first time home buyer loans have income caps at 80% of the County Median Income. This aligns with:
  • Fannie Mae Home Ready Income Limits
  • Freddie Mac Home Possible Income Limits

 

 

• Expert Guidance: Our team at C2 Hawaii understands the unique challenges and opportunities of the Hawaiian housing market. We guide you through every step, from application to closing, ensuring you feel supported and informed.
• Local Expertise: Based in Hawaii, we have a deep understanding of local real estate trends, lending practices, and community resources, making us your ideal partner in navigating the home buying process.
• Community Commitment: We are not just about transactions; we’re about building communities. By helping first-time buyers, we contribute to the growth and stability of neighborhoods across the islands.

 

 

 

1. Check Your Eligibility: Determine if you meet our income and homeownership criteria.
2. Explore Your Loan Options with one of our experienced loan officer: Contact Us

 

 

 

 

• Fixed Rate Loans: Choose from 30, 25, 20, 15, or 10-year terms. Lock in your rate and enjoy predictable monthly payments.
• Adjustable Rate Mortgages (ARMs): Options include 3-year, 5-year, 7-year, and 10-year ARMs, offering lower initial rates for those who plan to own short term or refinance in the near future.

 

 

 

• Primary Residence: Make your home in Hawaii.
• Second Home: Escape to your own slice of paradise.
• Investor Occupancy: Capitalize on Hawaii’s real estate market.

 

 

• Local Expertise: We know the ins and outs of the Hawaiian real estate market, offering insights that only locals can provide.
• Customer-Centric Service: Our team at C2 Hawaii prides itself on personalized service. We guide you through each step, ensuring you understand your options and make the best choice for your financial future.
• Transparent Process: No hidden fees or surprises. We believe in clear, upfront communication about costs and terms.

 

 

• Local Expertise: Our team has deep roots in Hawaii, understanding the unique challenges and opportunities that come with construction here.
• Tailored Financing: Loans are not one-size-fits-all. We customize our offerings based on your specific needs and the potential of your land.
• Streamlined Process: From application to closing, we make the loan process as smooth as possible with fewer hurdles, ensuring a quicker start to your build.

 

1. Consultation: Start with a free consultation where we assess your land and construction plans: Contact Us
2. Application: Submit your application with all necessary documentation. Our team helps guide you through this step.
3. Approval: We work swiftly to get your loan approved, with clear communication throughout.
4. Construction: Funds are disbursed in stages, aligned with the construction milestones to keep your project on track.
5. Completion: Once your home is built, the loan can convert to a permanent mortgage or be paid off, depending on your financial strategy.

 

 

 

 

 

• Residential Zoned: Loans up to $750,000 provide ample funding for those looking to build in residential areas.
• Agricultural Zoned: For those interested in a more rural or farming lifestyle, we offer loans up to $500,000.

 

 

 

 

• Local Expertise: Being based in Hawaii, we understand the unique aspects of land and construction in the islands, from zoning laws to environmental considerations.
• Comprehensive Service: Our experienced team guides you through every step, from loan application to closing, ensuring a smooth process.
• Competitive Rates: As one of Hawaii’s leading mortgage brokers, we leverage our network to bring you some of the best rates in the market.
• Customer Satisfaction: With a stellar reputation, reflected by our 5.0 rating from 100+ reviews at our Honolulu office, we prioritize your satisfaction and peace of mind.

 

• Secure your dream plot with manageable down payments
• Enjoy the freedom to build within your timeline
• Trust in a loan tailored to the specific needs

 

 

 

• $0 Down for Owner-Occupied Properties: Yes, you read that right. With C2 Hawaii, you can finance your dream home up to $1,000,000 without a down payment if you plan to live in it. This makes homeownership more accessible, especially in Hawaii’s high-cost market.

• Unique Properties & Tear Downs: If you’ve found a property with potential but requires substantial work or is considered non-standard, like a teardown, our loan program can help finance your vision.

• Condotels: Investing in or buying a condotel can be tricky with conventional loans. C2 Hawaii offers specialized financing options for these unique properties, ensuring you can make your investment or live in this distinctive type of real estate.

• Residences with Farms: For those looking to combine residential living with agricultural or small farming operations, we understand the unique financing needs these properties demand. Our Portfolio Loan can help you secure your piece of paradise.

• Refinance Options: Whether you’re looking to lower your interest rate, change your loan term, or take cash out for home improvements, travel, or other investments, we offer flexible refinancing options. Choose between rate/term refinancing to adjust your payments or cash-out to access your home’s equity.

• Local Expertise: With deep roots in Hawaii, our team understands the local market better than anyone. We’re here to guide you through the nuances of Hawaii’s real estate landscape.
• Personalized Service: Every client’s situation is unique, and we treat it as such. Our loan officers work closely with you to tailor a solution that fits your exact needs, not just what’s available.

• Access to a Wide Network: As part of C2 Financial, one of the nation’s leading mortgage brokers, we have access to over 100 lenders, ensuring we can find the best possible terms for your loan.
• Speed and Efficiency: We pride ourselves on quick processing times and efficient service, understanding that in real estate, timing can be everything.

 

 

 

 

• Comprehensive Expertise: With a deep understanding of the Hawaiian market, C2 Hawaii specializes in securing commercial loans for a variety of property types. We cater to:
  • Apartment Buildings (5+ units): Ideal for investors looking to manage or expand multi-family housing.
  • Industrial Properties: From warehouses to manufacturing spaces, we help you finance your industrial projects.
  • Office Condos or Buildings: Whether you’re setting up a new office or expanding, we offer solutions tailored to your business needs.
  • Retail Spaces: Finance your retail ambitions with our competitive loan options, perfect for new or expanding retail ventures.
  • Land: Invest in raw land with us, providing you the flexibility to develop as you see fit.
  • Refinancing Options: Whether it’s for rate/term adjustments or cash-out refinancing, we ensure you’re leveraging your property to its fullest potential.
• Tailored Financing Solutions: At C2 Hawaii, we understand no two investments are alike. We offer personalized loan structures that match your investment strategy, whether you’re looking to purchase, refinance, or develop.
• Access to a Wide Network of Lenders: Our extensive network includes over 100 wholesale lenders, giving us the leverage to secure you the most competitive rates and terms in the market. This vast selection means we can find the perfect fit for your financial scenario, ensuring you get the best deal available.
• Smooth and Efficient Process: We pride ourselves on our streamlined application and approval processes. Our team is dedicated to guiding you through each step, from application to closing, ensuring a hassle-free experience.
• Local Knowledge with National Reach: Being based in Hawaii, we combine local market knowledge with the capabilities of the nation’s largest mortgage broker, C2 Financial, to offer you a unique advantage.

 

• Maximize Your ROI: With our competitive rates and terms, you can maximize your return on investment while managing your cash flow effectively.
• Flexibility in Financing: Whether you’re looking for fixed or variable rates, short-term or long-term financing, we have the flexibility to meet your specific needs.
• Support Beyond the Loan: Our commitment doesn’t end at closing. We provide ongoing support to help you navigate through your investment journey in Hawaii.

 

 

• Contact Us to learn more about our services or to start your application process.